Credit Coaching by Kristi

So many adults overspend during the holidays because they’re trying to give their kids what they never had — not realizing they’re actually trying to heal a younger version of themselves. It’s love… but misdirected. And...

Millions of people feel like they are drowning in debt. $700+ car payments, tens of thousands in student loans and credit card balances, and month after month, payment after payment, it feels like a dent hasn't even...

In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well...

I read an article that gave some startling stats on Gen Z's: a BIG percentage are quite nervous, or more like anxious, about their credit profile. Many have not even checked their credit before! Yikes! If you are or...

Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection. But starting Fall...

What is credit, really? It's usually... debt. This is why Dave Ramsey teaches and preaches the way he does- saying don't use credit cards. It's because most of us need guard rails against going into debt and getting...

Student loans were in forbearance for several years but now, for most people with student loans, the expectation and requirement is to repay those loans with scheduled monthly payments. But approximately 24% of those...

Are you dreaming of buying your home one day but your credit hasn't been cooperating? Well great news! In a historic decision, the Federal Housing Finance Agency, the parent authority over Fannie Mae and Freddie Mac...

Millions of people are struggling financially. Listen in as your coach shares some guidance to help with some practical steps to create a spending plan (budget) . Questions@creditkristi.com

If you carry forward a large balance on your credit card month after month, there is a good chance that you have received a letter from a company such as Credit Associates LLC or National Debt Relief offering "Credit...

So we hear these APRs getting thrown around but how does that translate to payments and interest paid over time. Your Credit Coach compares a mortgage payment (good credit vs. bad) and a car payment and shows what the...

Ever wonder what a "good" credit score is? And how is that even measured? According to FICO and Experian, a good credit score is... Well check out the episode to learn more! And ways to get a good score and how to get...

In today's episode, Credit Kristi will share some essential facts about credit for those yearning to learn more about credit basics. Your coach shares some truth from her continuing education course for her Certified...

Have you ever had an inquiry on your credit or got a call from a creditor asking questions about your credit application - but you didn't apply for a new line of credit? What do you do? Listen in as your credit coach...

Are you getting a tax refund this year? I see where many people go splurge the few thousand they get back from overpaying in federal income taxes.... but what if you could make a really powerful move with your money...