Best Tendencias 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 …

1
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.…

1
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…

1
760 Credit Score - 5 Unique Ways To Maintain 3:48

5h ago3:48

3:48

Maintaining a 760 credit score involves timely payments, correcting report errors, updating information, limiting credit accounts, and managing credit utilization. A 760 score offers benefits such as lower interest rates and easier loan approval. It's vital to follow best practices gradually and consider credit repair services if needed.…

1
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…

1
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…

1
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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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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Do You Still Owe A Charged-Off Debt? - The Credit Pros 4:14

15h ago4:14

4:14

A charge-off occurs when a creditor believes a debt won't be paid after 180 days past due, resulting in significant credit score damage and potential collection efforts. Paying off charged-off debts doesn't necessarily improve credit scores and can lead to temporary score drops. However, ignoring such debts can lead to lawsuits, further credit dama…

1
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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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…

1
How To Understand Weight Of Different Credit Score Factors 3:52

5h ago3:52

3:52

Credit scores, ranging from 300 to 850, are calculated using models like FICO and VantageScore, assessing payment history, credit utilization, credit history length, new credit, and credit mix. Understanding these factors—payment timeliness, debt levels, account ages, and types of credit—can help improve your score. Late payments, high utilization,…

1
How To Remove Late Payments From Your Credit Report 2:53

5h ago2:53

2:53

To remove late payments from your credit report, request a goodwill adjustment, dispute errors with the credit bureau, or negotiate with the creditor. Prevent future late payments by setting up automatic payments, maintaining good financial habits, and monitoring your credit report. The Credit Pros offer assistance in credit repair and debt relief.…

1
Will Prepaid Credit Cards Boost Credit Scores?- 6 Key Uses 3:35

5h ago3:35

3:35

Prepaid credit cards, which function on a 'pay now, spend later' model, offer convenience but do not report to credit bureaus, thus they don't help in building credit scores. Secured credit cards and becoming an authorized user on another's account are better alternatives for building credit. Prepaid cards are ideal for those without bank accounts,…

1
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…

1
¿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…

1
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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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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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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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, …

1
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

1
Los profesionales del crédito: el impacto de las facturas médicas en los informes crediticios: navegando por las consecuencias financieras 4:27

5h ago4:27

4:27

La deuda médica es un problema grave en EE. UU., pero recientes cambios en informes crediticios ofrecen alivio, eliminando deudas médicas pagadas y estableciendo un mínimo de $500 para reportes. La cantidad de personas con deudas médicas en informes ha disminuido, aunque la deuda médica sigue siendo común. Es crucial manejar proactivamente las deud…

1
Top 10 Summer Credit Score Tips To Boost Financial Health 3:39

21h 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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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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Uncovering FICO Reason Codes: Credit Score Insights 3:27

5h ago3:27

3:27

When applying for credit, lenders check your credit report and score to determine eligibility and terms. If denied or given worse terms, an Adverse Action Notice with FICO reason codes is required by law, detailing why your score wasn't higher. These codes help consumers understand specific issues affecting their credit scores, enabling them to add…

1
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…

1
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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Understanding The Different Types Of Credit Cards - The Credit Pros 3:50

5h ago3:50

3:50

Credit cards are a staple in financial management, with reward credit cards being particularly popular due to their incentives for spending. Understanding the various types of credit cards, from standard to specialized ones like secured or student cards, is crucial for making an informed choice that aligns with one's financial needs. Reward credit …

1
7 Ways To Improve Your Credit Score 3:02

5h ago3:02

3:02

Improving your credit score involves reviewing credit reports, managing bills, monitoring credit utilization, avoiding new credit requests, paying down balances, keeping old accounts, and using credit monitoring services. Time to rebuild credit varies; quick improvements can be made through debt payments and disputing report errors.…

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669 Credit Score: Is This Score Bad Or Better? 4:13

5h ago4:13

4:13

A 669 credit score is considered fair, just below the good range, and can qualify you for various loans with reasonable terms. The average US credit score is 716, with 59% of the population scoring between 700-850. It's beneficial to raise a 669 score to access better credit offers. Regular income, timely payments, and managing credit applications …

1
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…

1
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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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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What Is Revolving Credit? A Comprehensive Guide In 2023 3:43

5h ago3:43

3:43

Revolving credit is a flexible financial instrument where a credit line is extended to a user, allowing them to borrow up to a set limit and repay, with the credit becoming available again. Common types include credit cards, personal lines of credit, and HELOCs. Proper management can improve credit scores through on-time payments, credit history, a…

1
Common Traits Of High Credit Scorers Revealed 3:16

5h ago3:16

3:16

Individuals with high credit scores often share common habits such as maintaining low credit card balances, making payments on time, limiting new credit applications, having long credit histories, and regularly reviewing their credit reports. These practices contribute to their strong credit standing, as they manage debt responsibly, ensure the tim…

1
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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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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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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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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3 Things That Will Increase Your 2015 Tax Return 2:55

5h ago2:55

2:55

To increase your 2015 tax refund, adjust your W-4 exemptions to withhold more taxes, donate to charities for deductions, and enroll in a Health Savings Account to reduce taxable income with pre-tax dollars for medical expenses.By The Credit Pros

1
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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Credit Score Myths You Need To Know: Prepaid Cards - The Credit Pros 2:35

5h ago2:35

2:35

Different types of plastic cards in your wallet have varying impacts on your credit scores. Traditional and retail store credit cards are reported to credit bureaus and can affect your credit based on your usage. Debit cards have no direct impact on credit scores unless associated bank accounts are overdrawn and unpaid. Prepaid cards do not affect …

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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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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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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 obtener un préstamo para terrenos con mal crédito: 3 mejores formas 3:12

5h ago3:12

3:12

Obtener un préstamo para terrenos con mal crédito es difícil pero posible, mejorando el puntaje de crédito o explorando opciones como financiamiento del vendedor, cofirmantes o programas gubernamentales. También es recomendable considerar un pago inicial sustancial o la asistencia de una agencia de reparación de crédito. Credit Pros ofrece asesoría…

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How To Identify Credit Repair Scams - The Credit Pros 3:01

5h ago3:01

3:01

To avoid credit repair scams, never pay upfront, be skeptical of promises for a clean credit slate, and check for the company's proper licensing and bonding. Scammers may exploit those with poor credit by demanding payment before services, promising impossible outcomes like a new SSN, or operating without legal compliance. Legitimate credit repair …

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

5h 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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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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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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