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Credit Refresh

Credit Refresh

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It's time for our community to start leveraging their credit to live the life that they deserve. Welcome to The Credit Refresh Podcast. this is a safe space where you can expect practical tips, tools and solutions to help you unlock the next level in your life. Your host Kiwanis Rucker repaired her own credit in 2015. For the past 8 years she been giving credit tips and solutions to people in the community. Kiwanis mission is to help you go from the back of the room to the stage. Subscribe, ...
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The 800+ Financial Freedom Podcast is here to give Financial Tips to help you get back on track Financially and to Help you reach the 800+ Club. The 800+ Financial Freedom Podcast can help you overcome financial challenges with three simple steps. First, we discuss setting up a plan to help reach your financial goals. Secondly, we apply financial discipline to your life with teaching you the principles on how to change your financial situation. Last but not least we motivate and encourage a ...
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One of the most fundamental of human needs is to know that who we are and what we do matter. As leaders in business, we have the unique opportunity to let our team members know that they do. And when they feel valued and cared for at work, they return home and enjoy better relationships with their loved ones, friends, neighbors and others. This world needs Truly Human Leadership. On this podcast, you’ll hear about what it means to be conscious leaders and have a conscious business. You'll he ...
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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…
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“Most leaders understand their influence on team members’ lives during work hours, but often enough, they don’t think about how their leadership affects team members outside of the workplace as well.” Barry-Wehmiller CEO, Bob Chapman, wrote this in a blog post on trulyhumanleadership.com titled “Wellness and Work: What's the ROI of Caring?” The con…
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A few years ago, BW CEO Bob Chapman had a conversation with Jane Adshead-Grant, a facilitator and coach in the UK and Europe. In this conversation, they talk about the concept of the need for a “Human Revolution” in business. Bob has written before about the trajectory of leadership in business from the Industrial Revolution to now. As we look at t…
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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…
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Anese Cavanaugh is the CEO of Active Choices, Inc. She is the creator of the IEP Method (Intentional Energetic Presence) and the Positive Energy Workplace Initiative and a strategist and advisor to leaders and organizations around the world. She is devoted to helping organizations support their people so they are able to show up and bring their bes…
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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…
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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…
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Dr. Donna Hicks is an Associate at the Weatherhead Center for International Affairs at Harvard University. You may recall that she has facilitated dialogues in numerous unofficial diplomatic efforts in the Middle East, Sri Lanka, Cambodia, Colombia, Cuba, Libya and Syria. She has consulted with governments, corporations, schools, churches, and non-…
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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…
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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: …
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Listening is not always a dedicated subject in educational curriculums. Think about it. There are speech classes, debate teams. You don't hear much about listening classes. That's why it's one of the foundational leadership classes taught in Barry-Wehmiller's internal university. We teach our people to "listen like leaders." It not only affects the…
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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…
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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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Laurie Butz is the President and CEO of Capital Credit Union, a credit union with more than 120,000 members in northeast Wisconsin. And we at Barry-Wehmiller definitely consider Laurie part of our extended family. Laurie’s husband, Dennis, worked for many years for our Paper Converting Machine Company, or PCMC, based in Green Bay, WI, part of our B…
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This episode of the Credit Refresh Podcast explores the benefits of secured credit cards for building credit history and financial independence. Host Kiwanis Rucker explains how secured cards require a deposit that acts as collateral, making them easier to obtain compared to traditional cards. Nashville, TN Workshop: https://miseducationofcredit.co…
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker discusses the unique challenges of medical debt and its impact on credit scores. Unlike other debts, medical bills often come unexpectedly. Rucker emphasizes the importance of reviewing bills for errors, negotiating with providers, and exploring financial assistance programs. Nashville, …
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the pros and cons of Credit Karma, a free platform offering credit score access, monitoring, and educational resources. Rucker emphasizes the importance of understanding these limitations and using Credit Karma as a tool within a broader financial strategy, not a one-stop solu…
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On several episodes of this podcast, you’ve heard about Barry-Wehmiller’s efforts to transform how business education is taught. If you want leaders who have the skills and courage to care, that should be part of their education before they are out in the world and in positions of responsibility. But what if we can reach people before they are in b…
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In this episode of the Credit Refresh Podcast, Kiwanis Rucker dives into the lesser-known world of alternative credit bureaus: LexisNexis, ARS, and Innovis. These bureaus collect data beyond traditional credit history, including public records, utility and rent payments, and even professional licenses. Rucker emphasizes the importance of accessing …
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If you want to change the way people lead, maybe you should go to the source of where they’re taught to lead – business schools. Maybe the way we teach people to lead should change. Christopher Reina is the Founding and Executive Director of the Institute for Transformative Leadership and an Associate Professor in the Department of Management and E…
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About this episode: In season 4 of the Credit Refresh Podcast, host Kiwanis Rucker aims to empower listeners to improve their credit score through education and actionable advice. She emphasizes the importance of obtaining a free credit report, creating a budget, and paying bills on time. She promises transparency and guidance throughout the season…
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Barry-Wehmiller CEO Bob Chapman met Steve Jones, former head football coach at Kimberly High School, several years ago through a mutual friend. Coach Jones said something to Bob that made a lasting impression: “When people truly care for one another, it’s amazing how hard they will work for each other.” When Coach Jones stepped down in 2021, his ca…
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The leaders of your business can affect its health and vibrancy. They also can have a tremendous impact on the people within their span of care in the business. So, when it’s time to bring someone new into your organization, how do you know when you’re hiring the right person? You can’t always rely on your gut or a couple of meetings. If you make t…
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Dr. Melinda Bremley is the newest Partner at Chapman & Co. Leadership Institute, Barry-Wehmiller’s consulting arm that specializes in helping other organizations unleash the extraordinary in their businesses and their people. Melinda and the rest of the team at Chapman & Co do this by helping those organizations identify, develop and equip their le…
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Times of transition can be challenging for any organization. But challenging times and times of change often presents many opportunities for growth. But the ability to maximize those opportunities depends on effective leadership. Chapman & Co. Leadership Institute is Barry-Wehmiller’s consulting arm that specializes in helping other organizations u…
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It is a universal truth -- every one of us, no matter what our job or where we live, simply wants to know that who we are and what we do matters. As leaders in business, we have the awesome responsibility to let people know that they do. Our goal at Barry-Wehmiller is to show the world that business can be a powerful force for good when we realize …
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At Barry-Wehmiller, we consider leadership to be an awesome responsibility--it holds the key to growing our business and, as important, improving the lives of our team members. It’s our job, as leaders, to help them establish goals so they know how to contribute, to remove barriers that get in the way of them achieving their goals, and help them ch…
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While presenting our message of Truly Human Leadership, our CEO Bob Chapman is often asked: What about the people who don't get it? What about the people who actively work against positive change? Barry-Wehmiller has acquired more than 130 companies and we've certainly found that the people within that company are a product of their experiences. Th…
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Bad credit can feel like a heavy burden, impacting your financial opportunities and undermining trust. But remember, the journey to rebuilding your credit and regaining trust is not only possible but also empowering. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blueprint/ Get my boo…
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Student loans are a common financial responsibility for many individuals, and their impact on credit can be substantial. Understanding your repayment options and their implications is crucial for your credit health. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blueprint/ Get my book…
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When Lean was introduced to the Barry-Wehmiller organization a number of years ago, CEO Bob Chapman's concern was that people would be lost along the way. But we found a way to adopt Lean methods and stay true to our Guiding Principles of Leadership. Instead of using Lean to reduce waste, we use it to reduce frustration. It's part of the bag of too…
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Credit repair companies are a significant presence in the world of credit improvement. While many are trustworthy and provide valuable services, it's essential to approach them with a critical eye and understanding of their role in your credit journey. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisruc…
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John Michel is a former Air Force General who has not only used his leadership experience in service of his country, but also to help transform businesses into places that think more about people than profit. John has written two books, (No More) Mediocre Me: How Saying No to the Status Quo Will Propel You From Ordinary to Extraordinary and The Art…
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Credit repair can often be full of misinformation, causing confusion and hindering progress. Today, we're tackling some of the most prevalent credit repair myths and setting the record straight. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blueprint/ Get my book Here: https://kiwani…
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Keeping a watchful eye on your credit health is essential for your financial well-being. With the right tools at your disposal, you can not only monitor changes but also take proactive steps to enhance your credit score. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blueprint/ Get my…
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Chapman & Co. Leadership Institute is Barry-Wehmiller’s consulting company that helps organizations identify, develop, and equip leaders. They bring the lessons we have learned at Barry-Wehmiller and our principles of Truly Human Leadership alongside scientific methods to provide individual and organizational assessments, training, and consultation…
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About this episode: When it comes to credit repair, one of the most common questions is about the timeline. How quickly can you expect to see improvements in your credit score? The answer, as you might have guessed, isn't straightforward. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit…
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In this episode of "Credit Refresh," host Kiwanis Rucker will be diving into the often-overlooked connection between your financial health and your mental well-being. Subscribe now for more invaluable credit tips and financial wisdom. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blu…
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Rhonda Spencer is Barry-Wehmiller’s Chief People Officer. She has been with our company since before the development of our Guiding Principles of Leadership and was one of the major voices in its creation. It’s her primary responsibility to be the steward of our values and make sure that light shines to the furthest reaches of our organization. Rho…
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In today's episode, we're diving into a topic that often sparks confusion: "Credit Repair vs. Credit Counseling." If you've ever wondered about the differences, benefits, and which path might be right for you, you're in for a treat. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-bluep…
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Those seemingly magical pieces of communication that promise to mend your credit. But what's the real story behind them? Are they a silver bullet, or is there more to the picture? Let's uncover the truth. Free Resources: Need the Blueprint to Credit Repair? Get your free guide here: https://kiwanisrucker.com/credit-blueprint/ Get my book Here: http…
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Imagine going to get coffee for your team and finding your coffee maker had been repossessed. In the early 1980s, Barry-Wehmiller was in trouble as a business, but we learned to embrace the lessons that arise during times of adversity and uncover the opportunities hidden within periods of crisis. BW CEO, Bob Chapman, tells this story in his book, E…
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Navigating the world of credit repair can be daunting, with numerous services vying for your attention. However, it's essential to protect yourself from scams and make informed decisions for your financial well-being. In this episode your host Kiwanis Rucker will guide you through the signs to watch out for and how to safeguard your interests. Free…
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Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your host Master Financial Coach Selena G. Thank You for joining along with me on today as we Let Go of Procrastination. Procrastination means delaying or postponing something that needs to be done. I am going to give you a few tips to stop Procrastination: 1.) S…
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In this episode of "Credit Refresh," host Kiwanis Rucker guides you through the essential strategies for negotiating with creditors, helping you take control of your financial well-being. Discover the power of open communication, effective debt assessment, and the art of proposing repayment plans. Learn how to potentially settle your debts and save…
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Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your host Master Financial Coach Selena G. Thank You for joining along with me on today as we start the Financial Freedom $1,000.00 Savings Challenge. Saving Money for Emergencies, Retirement and college can be hard for some people. Worry no more we are starting …
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Here are some insights on the effects of burnout: The World Health Organization (WHO) officially recognized burnout as an occupational phenomenon in 2019. It estimates that over 75% of professionals worldwide experience burnout at some point in their careers. According to Gallup, burned-out employees are 63% more likely to take a sick day and 2.6 t…
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Discover essential tips and insights on building credit from scratch in our latest episode of 'Credit Refresh.' Join host Kiwanis Rucker as he shares expert advice to help beginners on their credit journey. From securing a secure credit card to understanding the importance of timely payments and diverse credit mix, this episode has you covered. Sta…
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Happy Financial Freedom Friday and welcome to the 800+ Financial Freedom Podcast. I am your host Master Financial Coach Selena G. Thank You for joining along with me on today as we discuss, it's time to refresh your financial goals and plans. Your financial plans and goals are a personalized playbook that outlines the steps you're taking toward a s…
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Join host Kiwanis Rucker on her transformative credit repair journey filled with ups, downs, and valuable lessons. Explore responsible credit use, inspiring stories, and financial wisdom to empower your own credit adventure. Discover how second chances and expert advice can shape a brighter financial future. Tune in to 'Credit Refresh' for credit t…
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