After one of my seminars, someone asked me, "Who made FICO god?"
I wouldn't give credit scores celestial status, but I get it. 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.
I recommend you start by listening to my interview with Barry Paperno. Barry is a 20-year+ veteran of the credit scoring industry and does a great job of dispelling common credit scoring myths.
In the interview below, he explains what credit scores are. Here you'll finally understand:
It's a great place to start.
Time to listen: 14 minutes
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 this service to get the credit you need!
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 and AnnualCreditReport.com is the federally mandated website to get those reports.
Bonus! Here is my list of 150+ places to monitor your credit scores for free.
Listen to boost your credit scores podcasts from Gerri Detweiler's Talk Credit Radio.
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