Best Tendências Podcasts (2024)

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Datos de tendencias: los profesionales del crédito 4:10

5h ago4:10

4:10

Los datos de tendencias son información histórica de pagos de tarjetas de crédito que muestran cómo los consumidores han manejado su deuda a lo largo del tiempo. Esto incluye montos de pagos mensuales y si los balances se pagan completamente o se llevan al siguiente mes. Los datos de tendencias son importantes porque ofrecen a los prestamistas una …

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Installment Loans - An Ultimate Guide 2022 3:39

5h ago3:39

3:39

Installment loans allow borrowers to repay in regular installments, come in secured and unsecured forms, and are offered by many lenders. They differ from payday loans in repayment terms and impact on credit scores. Good credit scores help secure better loan terms, but installment loans can also be accessible to those with lower scores. TheCreditPr…

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Rebuilding Credit After Divorce - Effective Ways 3:51

5h ago3:51

3:51

Divorce can severely impact your credit due to joint accounts, increased expenses, and potential identity theft. Protecting your credit involves separating joint debts by selling assets, refinancing, or paying off the debt yourself. Rebuilding credit after divorce includes checking your credit reports, disputing errors, and establishing individual …

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Se revelan los rasgos comunes de las personas con puntajes crediticios altos 3:33

5h ago3:33

3:33

Las personas con puntajes crediticios altos tienden a mantener saldos bajos en tarjetas, realizar pagos puntuales, limitar nuevas solicitudes de crédito, tener historiales crediticios largos y revisar regularmente sus informes de crédito para asegurar su precisión y manejarlos de manera efectiva.By The Credit Pros

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Mastering Credit Cards: Making Them Work For You 2:55

5h ago2:55

2:55

Properly managed credit cards are powerful credit-building tools, but credit card debt is detrimental to credit scores. High debt indicates risk to lenders, affecting 30% of FICO scores through the 'Amounts Owed' category. Revolving utilization ratio, the balance-to-limit percentage, should be low to protect scores. Responsible use, like paying ful…

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800 And 850 Credit Scores: Which Is Better?-thecreditpros 2:45

5h ago2:45

2:45

Achieving a perfect 850 credit score reflects excellent credit management, making you eligible for better loan terms, lower interest rates, and premium credit cards. While an 800 score is already considered excellent, reaching 850 requires careful error-checking of credit reports, timely bill payments, low credit utilization, a diverse credit mix, …

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You Need To Know: Can Fraud Harm Your Credit? - The Credit Pros 3:01

14h ago3:01

3:01

Credit card fraud generally won't affect your credit score unless the replacement card is reported as a new account. Immediate reporting to the card issuer can limit your liability to $50 or less, and notifying credit bureaus can protect you from further fraud. True name fraud, however, is more serious and can severely damage your credit.…

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Why You Can’t Get A High Limit Credit Card - The Credit Pros 2:48

5h ago2:48

2:48

High-limit credit cards are determined by proprietary statistical models considering income, net worth, debt, credit history, and credit score. Low limits may be due to insufficient income/net worth, high debt, poor credit score, lack of credit history, or adverse economic conditions. To potentially increase a limit, improve credit profile or start…

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Cómo reducir su tasa de utilización de crédito 3:05

5h ago3:05

3:05

La tasa de utilización del crédito es clave para los prestamistas al evaluar la capacidad de un individuo para manejar deudas. Mantener una baja tasa de utilización, idealmente inferior al 30%, demuestra responsabilidad crediticia. Pagar saldos, mantener cuentas con saldo de $0 y saber cuándo se reporta la deuda a las agencias son formas de optimiz…

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Ahorre dinero con préstamos para estudiantes: dos formas sencillas 3:25

5h ago3:25

3:25

Para ahorrar en préstamos estudiantiles, incrementa los pagos mensuales o refinancia a una tasa de interés menor. Aumentar los pagos reduce el tiempo y el interés total pagado. Refinanciar puede disminuir el porcentaje de interés y el costo total del préstamo. Ambas estrategias pueden resultar en ahorros significativos a lo largo del tiempo.…

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Damon Decrescenzo sobre el podcast del CEO de 7 figuras 3:03

5h ago3:03

3:03

Damon DeCrescenzo, CEO de The Credit Pros, ha sido entrevistado en el podcast 'CEO de 7 cifras' de Casey Graham, discutiendo su amplia experiencia emprendedora y compartiendo estrategias para construir un equipo fuerte y lograr el éxito empresarial. La empresa sigue creciendo, lanzando una aplicación móvil y expandiendo su equipo.…

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Fraud Alert Vs. Credit Freeze: Protecting Your Identity 3:49

5h ago3:49

3:49

Fraud alerts and credit freezes are tools to combat identity theft, with fraud alerts requiring creditors to verify identity and credit freezes stopping access to credit reports. There are three types of fraud alerts: initial, extended, and active-duty, each with different validity periods. Credit freezes can be lifted temporarily or permanently, w…

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Bad Credit Rating - 5 Ultimate Factors 3:21

5h ago3:21

3:21

A bad credit rating can significantly hinder your ability to secure loans and comes with high interest rates. Factors such as late payments, bankruptcy, loan cosigning, excessive credit card applications, and not reporting inaccuracies can all detrimentally impact your score. Credit repair services can assist in rectifying these issues.…

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600 Credit Score - Is This A Good Credit Score? 3:15

5h ago3:15

3:15

A 600 credit score is considered fair and is below the average for Americans aged 23 to 29, which is 660. It's possible to get loans, but at higher interest rates. Improving credit involves checking credit reports for errors and making timely payments. The highest credit score is 850, and anything over 800 is exceptional. Good credit scores range f…

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Simple Yet Best Guide To FICO Score Vs. Credit Score In 2023 3:47

5h ago3:47

3:47

A FICO score is a specific type of credit score created by the Fair Isaac Corporation, used by lenders to gauge creditworthiness. All FICO scores are credit scores, but not all credit scores are FICO scores. FICO scores range from 300 to 850, with different versions like FICO 8 being the most common. VantageScore is another type of credit score gai…

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What Does Coronavirus Crisis Mean For Your Finances? - The Credit Pros 2:46

5h ago2:46

2:46

The coronavirus crisis affects finances by disrupting the stock market, interest rates, employment, and credit accessibility. The Credit Pros advise not to panic and to logically assess the situation, noting that market volatility doesn't directly translate to personal financial impact. It's crucial to contact lenders if payment issues arise due to…

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¿Cuánto tiempo permanecen los pagos atrasados en su informe de crédito? 2:35

5h ago2:35

2:35

Los pagos atrasados permanecen en el informe de crédito por 7 años, pero el impacto disminuye con el tiempo. Es crucial realizar pagos a tiempo, ya que los pagos tardíos pueden afectar gravemente el puntaje crediticio. Hay maneras de manejar los pagos atrasados, incluida la disputa de errores y el pago inmediato dentro de los 30 días. Los servicios…

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Debt Collectors: Will You Be Sued Over Old Debt? - The Credit Pros 3:19

5h ago3:19

3:19

Debt collectors have a limited time to sue for unpaid debts, governed by state laws, after which debts become 'time-barred.' Credit reporting agencies must remove most derogatory accounts after 7 years, as mandated by the FCRA. To avoid lawsuits over old debts, it's best to pay them off, but professional advice can help if you're treated unfairly o…

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Credit Score Range - 5 Levels And Loan Options 3:11

5h ago3:11

3:11

Credit scores range from 300 to 850 and are crucial for loan eligibility. FICO and Vantage are popular scoring models with different criteria and score ranges. Poor credit scores face high interest rates; excellent scores get the best terms. FICO is more popular, has stricter criteria, and uses five factors for scoring. Vantage is easier to qualify…

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Credit Cards 101: Part 2 - Debt Payoff Strategies 2:57

5h ago2:57

2:57

Credit card debt can damage credit scores, even with on-time payments. Paying off debt in one go is often unrealistic, but strategies like balance transfers, consolidation loans, and the 'Totem Pole' method can help manage and reduce debt, potentially boosting credit scores.By The Credit Pros

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How Americans Save Money On Student Loans 3:47

5h ago3:47

3:47

Americans can save money on student loans by applying for scholarships, utilizing federal, state, and school financial aid, and employing strategic loan tips such as paying down debt while in school, getting a cosigner for better interest rates, and exploring loan relief programs.By The Credit Pros

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Why You Should Check Your Credit Report Every Year - The Credit Pros 3:22

5h ago3:22

3:22

Checking your credit report annually is crucial to detect fraud, catch mistakes, and understand low credit scores. It's an itemized history of credit accounts excluding your credit score. You can dispute errors or fraudulent activities with credit bureaus or seek help from credit repair companies. All Americans can access their credit reports for f…

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5 Ways To Save More Money Shopping On Amazon 3:10

5h ago3:10

3:10

Amazon offers various programs to help shoppers save money: Amazon Prime with multiple benefits, Amazon Outlet for clearance deals, Gold Box Deals for daily and lightning offers, Amazon Student for college student perks, and Amazon Mom for parents' discounts and coupons.By The Credit Pros

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New Year's Resolution: Improve Your Credit Score 2:29

5h ago2:29

2:29

To improve your credit score in 2016, check your free annual credit report, pay bills on time, manage credit cards wisely by paying off debt and not closing unused accounts, and spend within your means to keep credit utilization low.By The Credit Pros

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Navigating Credit: Credit Report Vs. Credit Score Explained 3:19

5h ago3:19

3:19

A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contribute…

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Top 10 Summer Credit Score Tips To Boost Financial Health 3:39

5h ago3:39

3:39

This article provides actionable tips to improve your credit score during the summer, covering areas like reviewing your credit report, optimizing credit utilization, managing payment history, diversifying credit mix, and planning summer spending.By The Credit Pros

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570 Credit Score - Reasons And Solutions 3:54

5h ago3:54

3:54

A 570 credit score is considered poor and may result in loan rejections or high interest rates. This article provides an overview of what credit scores are, why one might have a low score, and the consequences of a 570 score. It also offers solutions to improve credit scores, such as correcting report errors, managing new credit wisely, avoiding ba…

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Facebook & LinkedIn Data Breaches: Identity Security 3:39

5h ago3:39

3:39

Identity theft is a growing threat, particularly on social media platforms, costing millions to victims. Types of online identity theft include account takeover, card fraud, and more. Signs of theft include strange transactions and unrecognized accounts. Protecting yourself involves checking financial statements, monitoring credit reports, and usin…

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¿Cómo funciona una línea de crédito sobre el valor de la vivienda (HELOC)? - Los profesionales del crédito 3:10

5h ago3:10

3:10

Una línea de crédito sobre el valor líquido de la vivienda (HELOC) es una línea de crédito renovable con garantía en la vivienda del propietario, que permite retirar fondos hasta un límite establecido y solo pagar intereses sobre la cantidad utilizada. Los HELOC tienen tasas de interés más bajas y son útiles para financiar grandes gastos como refor…

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How To Handle Working From Home - The Credit Pros 3:07

5h ago3:07

3:07

Working from home requires discipline in maintaining a schedule, setting clear boundaries with coworkers, incorporating personal time, and minimizing non-work distractions like excessive messaging. Establishing and adhering to a routine mimics office structure and helps balance work and personal life, even under remote conditions.…

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Understanding Phantom Debt: What It Is And How To Recognize 2:43

5h ago2:43

2:43

Phantom debt, originating from clerical errors, identity theft, and fraudulent schemes, poses a significant threat to your financial health. Recognizing red flags, regularly reviewing your credit report, and understanding fraud tactics can help you stay vigilant. Disputing errors with credit bureaus and leveraging legal protections are crucial step…

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Budget Your First Home - 4 Tips 3:27

5h ago3:27

3:27

The article provides a step-by-step guide on budgeting for your first home. It focuses on choosing the right home size based on current needs, down payment strategies, understanding mortgages, and accounting for additional expenses and payment changes. The goal is to ensure readers make financially responsible decisions when buying their first prim…

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Car Loan Is A Great Investment - 3 Reasons 3:21

5h ago3:21

3:21

A car loan can be a good investment if you buy a new, reliable car, have good credit for low APR, and plan to drive it long-term. Avoid loans for used cars and purchasing beyond your means. Budget for total car costs, maintain your car, and understand loan terms to maximize benefits.By The Credit Pros

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How Do Student Loans Affect Your Credit Score? - The Credit Pros 2:31

5h ago2:31

2:31

Student loans are reported to credit agencies and affect your credit score. On-time payments keep the score healthy, while late payments or defaulting can severely damage it, presenting you as a risky borrower and affecting future credit opportunities.By The Credit Pros

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Trended Data - The Credit Pros 3:15

5h ago3:15

3:15

Trended data on credit reports shows payment history over time, affecting credit scores and lending decisions. It reveals if a person pays off credit card balances or carries debt, with transactors deemed less risky. VantageScore 4.0 uses trended data, and FICO may follow. This data is increasingly important in credit evaluations, including mortgag…

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Bad Credit And Insurance Premiums: Understanding The Impact 3:09

5h ago3:09

3:09

Bad credit can increase insurance premiums as insurers use credit-based scores to predict risk and potential for claims. These specialized scores differ from regular credit scores and consider additional factors. Poor credit-based insurance scores may lead to higher premiums or denial of coverage, but consumers can work on improving their credit to…

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¿Qué significa la crisis del coronavirus para sus finanzas? - Los profesionales del crédito 2:11

5h ago2:11

2:11

La crisis del coronavirus ha impactado significativamente en la economía, afectando la bolsa de valores, el empleo y la vida diaria. Es esencial mantener la calma y evaluar la situación de manera racional. Proteger su puntaje crediticio durante la pandemia implica comunicarse con prestamistas si se ve afectada su capacidad de pago. Los bancos puede…

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The Ultimate Guide To Busting Credit Score Myths - The Credit Pros 3:24

5h ago3:24

3:24

Dispelling credit score myths is essential for financial literacy. Soft inquiries do not harm your score, credit utilization is crucial, and payment history significantly impacts your score. Credit age, score discrepancies across bureaus, and the broad influence of credit scores are also highlighted. Improving your score can be simpler than expecte…

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How To Handle Credit Card Debt Problems - 2022 3:22

5h ago3:22

3:22

Handling credit card debt involves understanding available tools such as balance transfers and debt consolidation, and adopting strategies based on one's ability to pay. Solutions range from transferring balances for lower interest rates to debt consolidation loans. Bankruptcy is usually not the best option, and certain actions like payday loans, u…

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Federal Mortgage Forbearance During COVID-19 - The Credit Pros 3:34

5h ago3:34

3:34

The CARES Act provides mortgage forbearance for federally-backed mortgages due to COVID-19, allowing a six-month pause on payments without foreclosure. Borrowers need to request this forbearance and declare financial hardship, which may require minimal proof. Federally-backed mortgages can be checked through Fannie Mae or Freddie Mac websites. Unem…

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How You Are Hurting Your Credit Score 3:42

5h ago3:42

3:42

Your credit score may suffer due to unreviewed credit reports, forgotten accounts like utilities, unused credit cards with undetected fraud, high credit utilization ratio, or avoiding credit use altogether. Regularly checking your credit report, closing old accounts, monitoring all card statements, managing credit balances, and responsibly using cr…

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Educación profesional gratuita durante COVID-19 - The Credit Pros 2:58

5h ago2:58

2:58

Durante la crisis de COVID-19, algunas empresas ofrecen educación profesional gratuita para ayudar a las personas despedidas a mejorar sus habilidades. MOZ Academy está dando acceso gratuito a cursos de SEO, Udacity ofrece un mes gratis de programas de nanogrado, y LinkedIn Learning proporciona una prueba gratuita para una variedad de cursos profes…

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August Newsletter - The Credit Pros - The Credit Pros 2:42

5h ago2:42

2:42

The article provides insights on credit repair and management, suggesting quick sign-up for credit repair services, and discusses the impact of closing credit cards and the usefulness of retail store cards for credit health. It also introduces UltraFICO, a new credit score model.By The Credit Pros

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CFPB demanda a Navient: impacto en los prestatarios de préstamos estudiantiles 3:01

5h ago3:01

3:01

La CFPB demandó a Navient, servicio de préstamos estudiantiles, por engañar a prestatarios y optar por soluciones costosas. Navient niega mala conducta y cuestiona la motivación política y la aplicación retroactiva de nuevas normativas de la CFPB. Navient afirma que promueve activamente los planes de pago basados en ingresos y combatirá las alegaci…

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¿El pago perjudica el crédito? - Una guía definitiva para 2022 2:44

5h ago2:44

2:44

Los pagos atrasados afectan negativamente la puntuación crediticia, que es crucial para la aprobación de préstamos. Las agencias de crédito solo reportan atrasos después de 30 días de la fecha de vencimiento, pero los proveedores de préstamos pueden imponer cargos antes. Es vital mantener un buen historial de pagos para evitar dañar la puntuación c…

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Boletín de agosto - Los profesionales del crédito - Los profesionales del crédito 2:41

5h ago2:41

2:41

Los artículos cubren temas financieros: préstamos a plazos, datos de tendencias en créditos y la importancia de los cofirmantes en 2023. Explican cómo funcionan los préstamos, la relevancia del historial de pagos para el crédito, y consejos para elegir un cofirmante.By The Credit Pros

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Mejorar su puntaje crediticio: la regla del 45 3:35

5h ago3:35

3:35

La Regla del 45 permite realizar múltiples consultas crediticias para hipotecas, préstamos de automóviles o educativos en 45 días, contándolas como una sola consulta. Esto minimiza el impacto en el puntaje crediticio y ayuda a obtener las mejores tasas de interés al financiar grandes sumas de dinero. Sin embargo, la regla solo se aplica a un tipo d…

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Understanding The Credit Implications Of Co-Signing A Loan 2:54

5h ago2:54

2:54

Co-signing a loan involves significant financial responsibility and risk, impacting your credit score and financial stability. This guide covers the basics, credit impact, responsibilities, risk management, and alternatives to co-signing, helping you make an informed decision.By The Credit Pros

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Eliminación de deuda: Bank Of America y JP Morgan Chase News 3:26

7h ago3:26

3:26

Bank of America y JP Morgan Chase han decidido eliminar las deudas impagas de los informes crediticios, afectando a casi un millón de ciudadanos en EE. UU. Estas deudas, aunque nulas tras la quiebra de los bancos, han causado problemas a los deudores. El Tribunal señaló que no actualizar estos informes es una violación de la ley federal. Los bancos…

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How To File A Claim Over Equifax's Data Breach - The Credit Pros 4:05

7h ago4:05

4:05

If you were affected by the Equifax 2017 data breach, you can claim cash or credit monitoring. Options include a cash payment for time spent dealing with the breach, free credit monitoring services, or reimbursement for financial losses up to $20,000. Documentation may be required, especially for claims over 10 hours of time spent or significant fi…

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