The Credit Show

The Credit Show Podcast with Harry Jacobs Your credit report is your adult report card—and on The Credit Show Podcast, Harry Jacobs shows you how to rewrite it. Each episode breaks down real-world credit problems in plain English: collections, charge-offs, late payments, medical debt, student loans, bankruptcy, identity theft, and more. Harry walks you through what actually works with creditors and the credit bureaus, how to avoid the traps that ruin scores, and the simple habits that build lasting credit health. Harry has provided Expert Witness work on 100 credit related cases and he has over a dozen years of experience working on behalf of consumers as the founder of Credit Restoration of Nevada, Harry shares case studies, strategies, and insider insights you’ll never get from a generic app or a “quick fix” TikTok video. If it affects your credit score, it’s on the table. If you’d like a free, no-obligation analysis of your credit<

The Credit Show is a business podcast hosted by Harry Jacobs, with 141 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Harry Jacobs hosts The Credit Show, a business show with 141 episodes published.

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  Episode #165

  Fraud Alert vs. Credit Freeze: Know the Difference Before You Need It

  Jul 28, 20267 min

  Most people who think their credit is protected aren't as protected as they believe. Harry Jacobs explains the critical difference between a fraud alert and a credit freeze — why one is a suggestion lenders can ignore and the other is a full lockdown that stops identity theft cold. Including a real case where a fraud alert failed and a fraudulent credit card was opened anyway — and how a credit freeze immediately after prevented every subsequent attempt. Learn when to use each tool, how to set up a freeze at all three bureaus for free, and why a credit freeze should be your default setting if you're not actively applying for new credit. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #FraudAlert #CreditFreeze #IdentityTheft #CreditProtection #CreditRepair #ConsumerRights #CreditReport #PersonalFinance #FinancialLiteracy #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #FixCredit #SecurityFreeze See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #164

  Zombie Debt: The Old Debt That Can Rise From the Dead

  Jul 25, 20263 min

  A collector is calling about a debt from 2011. What they're hoping you don't know could cost you thousands. Harry Jacobs explains zombie debt — old debt past the statute of limitations that collectors can no longer use to sue you, but will still aggressively pursue — and the single most important thing you must never do when they call. Including a real case where a $50 "good faith" payment reset the statute of limitations clock, allowed the collector to sue, and resulted in wage garnishment on a debt that should have been legally uncollectable. Learn the five-rule zombie debt survival guide, how to demand validation correctly, and why silence is your most powerful tool. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #ZombieDebt #StatuteOfLimitations #DebtCollection #CreditRepair #FDCPA #ConsumerRights #CreditReport #PersonalFinance #FinancialLiteracy #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #FixCredit #OldDebt See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #163

  Charged Off Doesn't Mean Gone: The Debt That Keeps Coming Back

  Jul 23, 20267 min

  "Charged off" sounds like the debt is gone. It isn't. Harry Jacobs breaks down one of the most dangerous misconceptions in consumer credit — what a charge-off actually means, why it often results in two separate derogatory marks on your report for one original account, and what the "re-aging" trick is that some collectors use illegally to extend the damage. Learn the charge-off takedown plan: how to check the date of first delinquency, how to negotiate deletion of both the collection and the original charge-off simultaneously, and why checking the balance for inflation is essential before you pay anything. Including a real client who jumped 90 points by solving both items at once for half the stated balance. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #ChargeOff #CreditRepair #CreditReport #DebtCollection #CreditScore #FCRA #Collections #PersonalFinance #FinancialLiteracy #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #FixCredit #ConsumerRights See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #162

  Common Credit Mistakes That Cost Good People Great Credit

  Jul 21, 20265 min

  Good intentions, bad outcomes. Harry Jacobs runs through the five most common credit mistakes he sees from people who are genuinely trying to do the right thing — and explains exactly why each one backfires. Closing old cards to simplify. Cosigning to help a family member. Paying off a credit card without thinking about timing. Applying for too much credit at once. Settling a debt without a pay-for-delete agreement. None of these feel like mistakes in the moment. All of them cost real points. If your score doesn't reflect the effort you're putting into your finances, this episode will tell you why — and exactly what to do differently. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #CreditMistakes #CreditScore #CreditRepair #PersonalFinance #FinancialLiteracy #FICO #CreditReport #CreditCard #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #FixCredit #BuildCredit #CreditTips See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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  Episode #161

  The Myth That You Need Debt to Have Good Credit

  Jul 18, 20268 min

  You've heard it from a friend, a forum, maybe even a financial advisor: you need to carry a balance to build credit. You don't. Harry Jacobs dismantles this expensive myth completely — explaining why the credit bureaus don't see your interest payments, only your behavior, and how you can build and maintain an excellent credit score without owing a dollar to anyone. Including a woman in her 60s whose completely debt-free lifestyle made her unscorable, and how one credit card with autopay took her to 780 in six months without a penny of interest. Learn the exact strategy for using credit without carrying debt — and why the scoring model can't tell the difference. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call 702-778-2000. You may also visit us online at TheCreditShow.info #CreditMyths #CreditScore #CreditRepair #PersonalFinance #FinancialLiteracy #DebtFree #CreditCard #FICO #BuildCredit #TheCreditShow #HarryJacobs #CreditRestoration #LasVegas #FixCredit #CreditTips See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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