After one of my seminars, someone asked me, "Who made FICO god?"
I wouldn't give credit scores celestial status, even though it can feel like they control your life at times.
And if you’ve been through financial hell in recent years, you may feel like you're trapped in credit purgatory.
But there is a way out. You can boost your credit scores. It may take time and effort but it’s worth it.
Just listen, learn and get started on the path to better credit now.
The Truth About FICO Scores A 20-year veteran of the credit scoring industry dispels common credit scoring myths. If you’re wondered whether there is an optimal number of credit cards you should carry, whether spreading your balances out among several cards can help your credit, or whether you’ll lose 5 points every time you apply for credit, you won’t want to miss this one.
Will car shopping affect your credit? You may have heard that too many applications will hurt your credit scores. While that’s true, there are some important exceptions. Learn about one of them in this episode of Talk Credit Radio.
How VantageScore credit scores work You’ve no doubt heard about FICO scores, but how about Vantage Scores? Learn how they are different – and similar – and what you can do to improve yours.
How does applying for a job affect your credit? And can you have too much credit? I answer both questions in a Q&A session.
How does your spouse's credit affect yours? You have good credit but your honey doesn’t. Or maybe it’s the other way around. Understand how your partner’s credit affects yours, and what each of you can do to protect yourselves. Protect your credit after divorce If you are splitting up, be sure to take steps to make sure your credit isn’t ruined for years to come. Yes, it could happen to you.
A new way to establish credit Do you need to build a credit history, or know someone who does? Find out how you can use a service to get the credit you need in 2013!
I encourage you to get your free annual credit report once a year from each major credit reporting agency so you know what information is being reported. By law, the major credit reporting agencies must give you a free copy each year.
In addition you can get a truly free credit score every month from Credit.com using our free Credit Report Card. This is not a trial offer. You don’t need to provide a credit card number, and there is nothing to cancel.
Listen to boost your credit scores podcasts from Gerri Detweiler's Talk Credit Radio.
DIY Credit Repair
Have you thought about hiring a credit repair company? Or are you trying to figure out if you can do it yourself? In this podcast, I explain what credit …
How to Get The Highest Credit Score Not rated yet
What does it take to get the highest credit score? Anthony Sprauve from myFICO joins me to explain what high scorers - FICO calls them high achievers - …
Raise Your Credit Score in 90 Days Not rated yet
Can you really improve your credit score in just 90 days? Yes! says my guest Jeanne Kelly, a credit coach and author of The 90 Day Credit Challenge . …
FICO Scores VS Vantage Scores Not rated yet
You've heard about FICO scores and probably know at least somewhat how they work. But what about FICO scores? Do you know what they are and how they are …
Credit Repair After Tough Times Not rated yet
Did your credit take a hit during the economic downturn? Lou Rodriguez lost it all - his good credit, home, and his business. But he's bouncing back and …
How Credit Scores Work Not rated yet
How do credit scores work exactly? How are they created? How often are they updated? And how do the companies that calculate them decide what goes into …
How to Get Free Annual Credit Reports Not rated yet
How do you get a truly free copy of your credit reports? I'll explain how you can get copies through AnnualCreditReport.com as well as other opportunities …
How to Get Judgements Off Credit Reports Not rated yet
A listener asks how to get paid judgments off his credit reports. Gerri explains the process of getting judgements removed from your credit. Another listener …
Can A Magazine Subscription Ruin Your Credit? Not rated yet
A reader asks whether a magazine subscription he cancelled after a free trial can ruin his credit. It happened to me too! I'll explain what you need to …