Hosted by Unknown Host · EN · 5 episodes
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Lucas and Luna take the mystery out of credit scores, focusing on the FICO algorithm, credit report mechanics, and what borrower health really means in a tightening economy. Each episode drills into a single dimension of credit — how payment history weighting shifts after a late payment, why credit utilization thresholds vary by lender, or how the removal of medical collections from credit reports changes risk profiles for millions. Lucas brings the data: actual FICO score distributions by age bracket, state-by-state average credit limits, and the precise impact of a hard inquiry on a thin file. Luna pushes back with real-world scenarios — a freelancer with irregular income, a recent graduate with no installment loans, a small-business owner mixing personal and business debt. Together they test conventional wisdom against the numbers, debunking myths (no, checking your own score doesn't hurt it) and mapping out strategic moves for listeners who want to build, repair, or optimize their credit. No product pitches, no hacks — just the logic behind the score. The listener walks away knowing exactly what moves their number and why.
Unknown Host hosts The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health, a general show with 5 episodes published.
Lucas and Luna explore a morbid but important question: what happens to your credit score after you die? They explain why a deceased person's credit file is typically closed but how errors, identity theft, and joint acco
In this episode of The Credit Score Podcast, Lucas and Luna explore the real impact of hard and soft credit inquiries on your FICO score. They break down the difference between shopping for a mortgage and opening multipl
In this episode of The Credit Score Podcast, Lucas and Luna go beyond the simple 30 percent rule to explore how credit utilization ratio actually impacts your FICO score. They break down the difference between per-card a
Episode 30 of The Credit Score Podcast explores the surprising link between your personal credit score and the broader economy. Lucas and Luna explain how aggregate credit scores are used as a leading indicator by instit
Divorce is painful enough without a credit score surprise. In this episode, Lucas and Luna walk through exactly what happens to joint accounts, authorized user cards, and mortgage co-sign liabilities when a marriage ends
In this episode of The Credit Score Podcast, Lucas and Luna explore how becoming an authorized user on someone else's credit card can raise your credit score — sometimes by 50 points or more. They break down exactly how
Lucas and Luna explore the mechanics of credit report disputes, using a real example of how a single incorrect late payment dragged one borrower's score down by 45 points. They walk through the dispute process under the
Closing a credit card seems like a harmless way to simplify your wallet, but it can trigger a surprising drop in your credit score. In this episode, Lucas and Luna break down exactly what happens when you close a card —
Lucas and Luna break down the single most important factor in your credit score after payment history: your credit utilization ratio. Using real numbers, Lucas explains why using 30% of your available credit isn't a magi
In this episode of The Credit Score Podcast with Fexingo, Lucas and Luna explore the surprisingly brutal impact of a single missed payment on your FICO score. They break down the 30-, 60-, and 90-day delinquency threshol
This episode of The Credit Score Podcast with Fexingo investigates why medical debt is treated differently from other collections on your credit report—and how that distinction can trip you up. Lucas unpacks the 2023 fed
In this episode of The Credit Score Podcast, Lucas and Luna explore a hidden cost of low credit scores: utility deposits. When you apply for electricity, gas, water, or even cell phone service, companies often check your
Episode 21 of The Credit Score Podcast with Fexingo explores the surprising link between your credit score and your ability to land a job. Lucas and Luna explain that nearly half of U.S. employers run credit checks on so
Episode 20 of The Credit Score Podcast with Fexingo explores how student loans impact your credit score beyond just monthly payments. Lucas and Luna break down the FICO treatment of installment vs. revolving debt, the hi
In this episode of The Credit Score Podcast, Lucas and Luna explore what happens to your credit score when you get married. They debunk the myth that spouses share a single credit score, explaining why each person mainta
Lucas and Luna explore how auto insurers use credit-based insurance scores to set premiums. Using a case study of a driver with a 680 score versus a 780 score, they break down the pricing difference — up to a 50% premium
In this episode of The Credit Score Podcast, Lucas and Luna explore the often-overlooked connection between credit card rewards programs and your credit score. Using the example of a Chase Sapphire Preferred cardholder w
Episode 16 explores whether paying a high annual fee on a premium credit card actually hurts your credit score. Data shows the average annual fee on rewards cards has risen to $635. Lucas breaks down how fees affect util
In this episode of The Credit Score Podcast, Lucas and Luna explore how your credit score impacts your ability to rent an apartment. They break down the typical minimum score requirements landlords use, the difference be
In this episode of The Credit Score Podcast, Lucas and Luna explore a little-known loophole in the credit scoring system: rent reporting. While mortgage and auto loan payments have long been factored into your credit his
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The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health is hosted by Unknown Host. The show is categorised under General and has published 5 episodes.
The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health has published 5 episodes.
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Episodes of The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health average 9 minutes. a focused format where a clear narrative arc and tight preparation matter most.
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