Best Credit Refresh Podcasts (2024)

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'Conclave' is a Refreshing Throwback to Pulpy Political Thrillers! 56:53

2h ago56:53

56:53

Kelsi and Trey explore Edward Berger's 'Conclave,' the suspenseful novel adapted into a star-studded film featuring Ralph Fiennes, Stanley Tucci, Carlos Diehz, and Isabella Rossellini. Set in the atmospheric halls of the Vatican, the story follows the intense politics, spiritual introspection, and personal ambition of cardinals from around the worl…

1
S5 Ep9: Credit and Entrepreneurship: Funding your business dreams 8:08

5h ago8:08

8:08

In this episode, we explore the vital role that credit plays in starting and growing a business. Whether you’re a new entrepreneur or looking to expand your existing business, understanding how to leverage credit effectively can be a game-changer in your journey to success. Take our new quiz to uncover the secrets of your credit score. You’ll recei…

1
S5 Ep8: Credit Unions vs. Banks: Which is better for your financial goals? 8:11

10d ago8:11

8:11

In this episode, we dive into the important decision of choosing the right financial institution—credit unions vs. banks. We compare the pros and cons of each to help you determine which one best fits your financial goals and needs. Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit…

1
'The Line' with Director Ethan Berger 47:31

8d ago47:31

47:31

Trey speaks with Ethan Berger, the director of 'The Line,' to discuss his debut feature and the gritty, provocative exploration of fraternity culture that drives the film. Ethan talks about what inspired him to create a movie that serves as an antithesis to the more traditional, comedic depictions of fraternity life seen in popular culture. We dive…

1
S5 Ep6: Authorized User Status: Who should you add, and who should you avoid? 7:43

17d ago7:43

7:43

In this episode, we explore the strategy of using authorized user status to build and improve credit. Whether you’re considering becoming an authorized user or adding someone else to your credit card account, this episode covers the benefits, risks, and best practices to help you make informed decisions. Take our new quiz to uncover the secrets of …

1
S5 Ep7: Navigating the World of Store Credit Cards 6:53

24d ago6:53

6:53

In this episode, we explore the pros and cons of store credit cards and how they can impact your credit journey. Whether you’re considering a store credit card to build your credit or take advantage of rewards, this episode will help you make an informed decision. Take our new quiz to uncover the secrets of your credit score. You’ll receive persona…

1
Todd Phillips' 'Joker' | Patreon #37 30:26

23d ago30:26

30:26

Kelsi and Trey discuss Todd Phillips and Joaquin Phoenix's subversive detour in the comic book genre with 2019's 'Joker.' We explore the muddled ideas of the movie, the divisive conversation about the film's politics and execution, and, yeah, idk, we get into all the BS about Joker that you can expect. Enjoy! Become a member of The Extra Credits+ o…

1
'Joker: Folie à Deux' Has the Last Laugh 1:17:13

28d ago1:17:13

1:17:13

Todd Phillips and Joaquin Phoenix delivered a divisive detour in the superhero genre with 2019's 'Joker,' now returning with their more-meta, multi-genre sequel 'Joker: Folie à Deux.' In a both non-spoiler and spoiler conversation, Kelsi and Trey discuss the discourse around both Joker films, the intention vs reaction to these character studies, an…

1
S5 Ep5: Rent Reporting: Is it worth it to get your rent payments on your credit report? 7:59

28d ago7:59

7:59

In this episode, we explore an alternative method for building credit, especially for those with limited credit history—rent reporting. We’ll dive into how rent reporting works, its potential impact on your credit score, and whether it’s worth considering as part of your credit-building strategy. Take our new quiz to uncover the secrets of your cre…

1
Ridley Scott's 'Gladiator' | Patreon #36 30:27

1M ago30:27

30:27

In anticipation for 'Gladiator II,' Kelsi and Trey explore Ridley Scott's epic 'Gladiator.' We discuss our relationship to Gladiator, its influence on pop culture, historical accuracy in movies, Russell Crowe vs. Joaquin Phoenix, and more! Become a member of The Extra Credits+ on Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…

1
S5 Ep4: Credit Monitoring Services: Are They Worth the Cost? 7:51

1M ago7:51

7:51

In this episode, we continue our focus on credit protection by exploring the value of credit monitoring services. With identity theft and fraud on the rise, these services promise to help safeguard your credit, but are they truly worth the investment? We’ll break down the features, benefits, and considerations to help you decide. Take our new quiz …

1
Sean Baker's 'The Florida Project' | Patreon #35 30:20

1M ago30:20

30:20

Kelsi and Trey discuss one of the more recent instant-classic films, Sean Baker's 'The Florida Project.' This tragic coming-of-age journey is subversively beautiful, as we follow a young girl and her mother as a family stuck in hidden homelessness in their Florida motel; a sweaty-pastel twist on the Disney princess archetype with an angry message t…

1
S5 Ep3: Credit Freeze vs. Credit Lock: Which is the best protection for you? 7:28

2M ago7:28

7:28

In this episode, we’re shifting our focus to an important aspect of credit security—credit freezes and credit locks. With identity theft and fraud on the rise, it’s essential to understand how to protect your credit effectively. We’ll break down the differences between these two protection methods so you can decide which is best for you. Take our n…

1
Ridley Scott's 'Alien: Covenant' | Patreon #34 30:29

2M ago30:29

30:29

Kelsi and Trey discuss Ridley Scott's final (?) installment in the Alien franchise with 'Alien: Covenant.' This movie expands on the human hubris throughline of 'Prometheus' and is led by the very-great Michael Fassbender as David and Walter. The rest of the cast and crew help deliver this multi-genre nightmare with one of the great gore set pieces…

1
S5 Ep2: Understanding FICO vs. VantageScore 7:36

2M ago7:36

7:36

In this episode, we’re building on last week’s foundation by diving into the key differences between the two major credit scoring models: FICO and VantageScore. Understanding these differences is crucial to navigating your credit journey effectively. Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights…

1
Ridley Scott's 'Prometheus' | Patreon #33 30:29

2M ago30:29

30:29

Kelsi and Trey explore one of the great 21st century sci-fi epics in Ridley Scott's 'Prometheus.' We discuss the divisive fandom of Prometheus and 'Alien: Covenant,' the recent reclaiming of Prometheus and Covenant due to the 'Alien: Romulus' financial success, how Scott's vision of a legacy prequel actually sets a blueprint for future franchises, …

1
S5 Ep1: Understanding Credit Score Fluctuations 10:56

2M ago10:56

10:56

In this episode, we kick off Season 5 by diving deep into the world of credit scores. If you’ve ever wondered why your credit score fluctuates and what you can do to take control of your financial future, you’re in the right place. Take our new quiz to uncover the secrets of your credit score. You’ll receive personalized insights and a FREE Credit …

1
James Cameron's 'Aliens' | Patreon #32 30:27

2M ago30:27

30:27

GAME OVER, MAN! Alien August continues with Kelsi and Trey's exploration of the iconic sequel to Ridley Scott's 'Alien.' We discuss the action spectacle of 'Aliens,' and Cameron's legacy as an escapist blockbuster filmmaker, as well as how he struggles to totally realize his commentaries of a marine-Vietnam satire, the motherhood ideas, and the pow…

1
'Alien: Romulus' Sanitizes the Alien Franchise 2:25:29

3M ago2:25:29

2:25:29

Kelsi and Trey discuss the legacy of the 'Alien' franchise while exploring Fede Álvarez's disappointing 'Alien: Romulus.' Outside of a few notable set pieces, and the Cailee Spaeny and David Jonsson performances, we're left surprised by this unoriginal, fan-service-heavy, mutation of Romulus' other Alien predecessors, such as Ridley Scott's Prometh…

1
Jordan Peele's 'Us' | Patreon #31 30:27

3M ago30:27

30:27

Kelsi and Trey discuss Jordan Peele and Lupita Nyong'o's puzzling horror masterpiece 'Us' for 3+ hours. This conversation takes many turns, but we mostly follow the throughline of Peele's work by exploring his filmography's ambitious thematic goal of revealing the "American Dream" as an American nightmare. In 'Us,' Peele smartly subverts genres wit…

1
Yorgos Lanthimos' 'Poor Things' | Patreon #30 30:29

3M ago30:29

30:29

Kelsi and Trey explore the cotton-candy colored world of 'Poor Things' starring the singular Emma Stone. We discuss the divisive discourse about the film's many commentaries, such as its choices on Bella's age, the sexual and class politics, the landscape of fragile men, as well as the film's commercially smart exploitation of leftist iconography, …

1
Yorgos Lanthimos' 'The Favourite' | Patreon #29 30:23

3M ago30:23

30:23

Kelsi and Trey begin WEIRD GIRL SUMMER by discussing the bizarre mind of Yorgos Lanthimos' tragicomedy 'The Favourite.' This unique period piece explores the cost of absolute power and is memorable for its transactional love triangle between leads Emma Stone, Rachel Weisz, and Olivia Colman. Become a member of The Extra Credits+ on Patreon ⁠⁠⁠⁠⁠⁠⁠⁠…

1
The Popcorn Remakes of 'Twisters' and 'Presumed Innocent' 1:39:50

3M ago1:39:50

1:39:50

Kelsi and Trey discuss the entertaining Jake Gyllenhaal legal thriller on Apple TV+ 'Presumed Innocent' and then explore Lee Isaac Chung's legacy remake/reboot (?) 'Twisters' starring Glen Powell and Daisy Edgar-Jones. Both are remolding their previous 1990s IP-- Presumed Innocent certainly had its exciting moments, but we mostly talk about how Twi…

1
'House of the Dragon,' 'Presumed Innocent,' and 'The Bear' with Kelsi! 2:06:10

3M ago2:06:10

2:06:10

Kelsi returns from her surgery to discuss some prestige TV in 'House of the Dragon' seasons 1 and 2, 'Presumed Innocent,' and 'The Bear' season 3. We also explore 'The Great British Bake Off,' 'Gilmore Girls,' and 'Friday Night Lights' among other TV and movies. House of the Dragon (7:06) Presumed Innocent (47:52) The Bear (01:16:29) The Great Brit…

1
'Longlegs' Cosplays as an Iconic Horror Movie 1:06:59

4M ago1:06:59

1:06:59

Trey explores Oz Perkins' Longlegs starring Nicolas Cage and Maika Monroe. This episode covers the hyperbolic reaction to 2024s newest horror-suspense film, the atmospheric feat of its world-building, and why the film struggles to balance its ambitious commentary on the serial killer genre with its underbaked, supernatural 3rd act. Free members on …

1
The Best Movies of the 2020s with Adam Nayman 1:05:06

4M ago1:05:06

1:05:06

Today is the beginning of our new series on the best movies of the 2020s with critics, podcasters, and filmmakers. We're joined in Part 1 of this series by critic, author, and professor Adam Nayman. He is one of our favorite critical writers in the film community; a truly sobering and thoughtful thinker. Today Adam has chosen to discuss four signif…

1
'The Bear' is Special but Season 3 is in the Weeds 2:16:25

4M ago2:16:25

2:16:25

Trey explores Fx and Hulu's 'The Bear' Seasons 1, 2, and deep dives 3. The Bear has been quality TV for 2 seasons; a cohesive workplace psychodrama that understands the service industry led by Jeremy Allen White and Ayo Edebiri. With evocative filmmaking, memorable character work, and an exceptional kitchen atmosphere, the showrunners thoughtfully …

1
Kelsi's Recovery, Video Podcasts, and Free Patreon Episodes 31:09

4M ago31:09

31:09

Trey discusses Kelsi's recent surgery and recovery, the future of The Extra Credits in the video space, and how free members on our Patreon can access full episodes of Alien, Silence of the Lambs, Ex Machina, and Midsommar for a limited time from June 30th - August 31st. Become a member of The Extra Credits+ on Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠…

1
Richard Linklater's 'Before Trilogy' | Patreon #28 30:29

5M ago30:29

30:29

Kelsi and Trey discuss Richard Linklater's Before Sunrise, Sunset, and Midnight in a ~4 hour deep dive about god, romance, and Kelsi being good at laser tag! We walk through this trilogy by exploring Ethan Hawke and Julie Delpy's characters Jessie and Celine as they go through a tragic/romantic coming-of-age journey. These films span 20 years with …

1
Richard Linklater's 'Hit Man' Kills American Suburbia 1:19:15

5M ago1:19:15

1:19:15

Kelsi and Trey discuss Richard Linklater's career, style, and sensibilities in this deep dive of his newest film 'Hit Man'. Linklater returns to form as he attempts to satirize an American obsession with violence and true crime, while also empowering the ability to express ones self. Ultimately, the movie lives and dies by the magnetic performances…

1
George Miller's 'Mad Max: Fury Road' | Patreon #27 30:27

5M ago30:27

30:27

Kelsi and Trey discuss Mad Max: Fury Road from the bizarre imagination of George Miller. This film features all-time great performances from Charlize Theron, Tom Hardy, and Nicholas Hoult as they help deliver one of the most frenetic and poignant action movies ever made. Our full 3+ hour discussion is exclusively on Patreon: WITNESS ME!!! Become a …

1
S4 Ep13: Stay Motivated On Your Credit Journey! 3:58

5M ago3:58

3:58

The season finale of Credit Refresh tackles staying motivated on your credit journey. Host Kiwanis Rucker acknowledges the challenges and setbacks but emphasizes the importance of perseverance. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free credit roadmap: https://kiwanisrucker.com/credit…

1
'Kingdom of the Planet of the Apes' with Director Wes Ball 1:09:16

5M ago1:09:16

1:09:16

Trey is joined by director Wes Ball to discuss his adventure epic Kingdom of the Planet of the Apes. We explore his work on Maze Runner, the Planet of the Apes wider universe, and the subversive reexamination of the Caesar mythos. This discussion is spoiler-filled and for the real Ape heads! Wes Ball Shorts Become a member of The Extra Credits+ on …

1
George Miller's 'Furiosa: A Mad Max Saga' is Epic 2:14:36

5M ago2:14:36

2:14:36

Kelsi and Trey deep dive the epic odyssey of George Miller's Furiosa! We explore the psychological and physical battle through the wasteland as we follow Furiosa (Anya Taylor-Joy) fight for hope in the face of Dementus (Chris Hemsworth). Spoilers Begin (23:34) Become a member of The Extra Credits+ on Patreon ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…

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Matt Reeves' 'War for the Planet of the Apes' | Patreon #26 30:29

5M ago30:29

30:29

Kelsi and Trey explore the end of Caesar's trilogy with Matt Reeves' best Apes film War for the Planet of the Apes. We discuss how War corrects some of our problems with Dawn and how Caesar's arc finishes in a multi-genre epic dabbling in revenge western and religious parable narratives. We hope you enjoyed our series on Caesar! Become a member of …

1
S4 Ep12: How Long Does A Debt Collector Have To Sue You In Your State. 4:03

6M ago4:03

4:03

This episode of the Credit Refresh Podcast dives into the statute of limitations for debt collection, which varies by state and debt type. Host Kiwanis Rucker explains that knowing this timeframe empowers individuals to understand their legal rights and options when facing debt collectors. Join Prosperity Prep School https://kiwanisrucker.com/prosp…

1
Matt Reeves' 'Dawn of the Planet of the Apes' | Patreon #25 30:29

6M ago30:29

30:29

Kelsi and Trey discuss why they are TEAM KOBA (mostly) in Matt Reeves' shakespearean, religious epic Dawn of the Planet of the Apes. We explore how the film is impressive in pacing, tone, and digital/practical world-building while also having moments of not fully realizing its character studies, especially with Koba, while still delivering one of t…

1
'Rise of the Planet of the Apes' | Patreon #24 30:27

6M ago30:27

30:27

Kelsi and Trey explore the Caesar trilogy beginning with Rise of the Planet of the Apes. While this entertaining blockbuster feels more like a superhero movie than a thematically rich installment in the Apes franchise, it still rules in many ways. Andy Serkis's iconic performance as Caesar has created one of the more compelling trilogies of the 21s…

1
S4 Ep11: Can I Get Good Auto Financing With A Low Credit Score? 4:33

6M ago4:33

4:33

This episode of the Credit Refresh Podcast tackles financing a car with a low credit score. Host Kiwanis Rucker acknowledges the challenges, including higher interest rates and stricter requirements from traditional lenders. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free credit roadmap: h…

1
'Kingdom of the Planet of the Apes' and the Weaponization of Caesar 2:19:34

6M ago2:19:34

2:19:34

Kelsi and Trey discuss Wes Ball’s Kingdom of the Planet of the Apes as a successful adventure epic that thrills with its digital world-building and provokes with its subversive interrogations of the audience's relationship to Caesar. This is the 10th Apes installment and arguably one of the most ambitious of the 21st century; a compelling evolution…

1
S4 Ep10: Real Credit Score Killers. 4:22

6M ago4:22

4:22

This episode of the Credit Refresh Podcast dives into bad financial habits that can damage your credit score. Host Kiwanis Rucker explains how your credit score, ranging from 300 to 850, is impacted by factors like payment history, credit utilization, and credit mix. The episode then exposes seven "credit score killers". Join Prosperity Prep School…

1
The Ryan Gosling Experience: 'The Fall Guy' Reaction & 'The Nice Guys' Deep Dive 50:21

6M ago50:21

50:21

Kelsi and Trey explore the career of Ryan Gosling through his newest semi-successful film The Fall Guy and then arguably his best performance in The Nice Guys. Gosling's career has taken many turns; from an indie darling in Half Nelson, to a stoic angry stunt driver in Drive, to the dreams of stardom in La La Land, and maybe no better than last yea…

1
Denis Villeneuve's 'Sicario' | Patreon #22 42:37

6M ago42:37

42:37

Kelsi and Trey finish off their anti-war series and begin their Emily Blunt discussion with the very thrilling and politically complicated Denis Villeneuve's Sicario. This is a technical masterclass on several fronts; with an imposing performance from Benicio Del Toro, stunning photography from Roger Deakins, and a brutal soundtrack from the late-g…

1
S4 Ep9: Just Say No To Payday Loans. 3:23

6M ago3:23

3:23

This episode of Credit Refresh tackles the dangers of payday loans and their hidden costs. Host Kiwanis Rucker warns against their exorbitant interest rates and fees, emphasizing that while they might not directly impact your credit score, falling behind on payments can lead to debt collection, bankruptcy, or lawsuits, all of which can severely dam…

1
Luca Guadagnino's 'Challengers' is a Cinematic Tease 2:30:29

6M ago2:30:29

2:30:29

Kelsi and Trey explore the convincing cinematic power of Luca Guadagnino’s Challengers. We also question the narrative’s internal logic with its character studies led by dynamic performances from Zendaya, Mike Faist, and (especially) Josh O’Connor. Then we discuss what makes Guadagnino’s films so compelling, from the bizarre technical motifs, the p…

1
S4 Ep8: Why The Credit Bureaus Don’t Like Us. 4:42

6M ago4:42

4:42

This episode of the Credit Refresh Podcast dives into the power imbalance between credit bureaus and consumers. Host Kiwanis Rucker argues that informed consumers threaten the status quo by challenging inaccurate credit reports and demanding transparency. Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: …

1
Alfonso Cuarón's 'Children of Men' | Patreon #21 43:02

7M ago43:02

43:02

We discuss one of the greatest cinematic representations of apocalyptic realism in Alfonso Cuarón’s Children of Men. This anti-war parable is covered in historical imagery and dystopian symbolism; a film subverting cautionary tale tropes with one of the most disturbing call-to-action movies ever made. Cuarón provokes contemporary conversations abou…

1
S4 Ep7: Garnishments 101. 5:40

7M ago5:40

5:40

This episode of the Credit Refresh Podcast dives into wage garnishment, explaining what it is and different types like child support, student loans, and back taxes. Host Kiwanis Rucker emphasizes the financial impact of wage garnishments. Nashville, TN Workshop: https://miseducationofcredit.com/ Join Prosperity Prep School https://kiwanisrucker.com…

1
Alex Garland's 'Civil War' Disappoints as an Anti-War Movie 2:46:14

7M ago2:46:14

2:46:14

Kelsi and Trey react and deep dive Alex Garland’s Civil War. While a technical feat, Civil War is politically unchallenging and lacks a nuanced confrontation as an anti-war movie. Thankfully, Kirsten Dunst as a hollowed photojournalist on this road trip to D.C. with her dynamic co-stars Wagner Moura, Cailee Spaeny, and Stephen McKinley Henderson ke…

1
S4 Ep6: Can Debt Collectors Contact You On Social Media? 3:53

7M ago3:53

3:53

In this episode of the Credit Refresh Podcast, Kiwanis Rucker explains if the Fair Debt Collection Practices Act (FDCPA) will allow debt collectors to contact you on social media. Nashville, TN Workshop: https://miseducationofcredit.com/ Join Prosperity Prep School https://kiwanisrucker.com/prosperity-prep-school/ Free Resources: Get your free cred…

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