Credit Strategies for People With Perfect Credit
A Deep Dive on Your Credit Score
Even if you're well versed in credit scores, you'll learn something new in this episode!
Credit expert, Patrick Ritchie, joins me to talk about ways people unknowingly hurt their credit, ways you can easily fix it and even a free government resource for rapidly fixing issues when credit card companies are unresponsive.
Join us for our deep dive on credit and it's impact on the different facets of your life.
Links mentioned in this episode:
Time Stamps
00:00 Welcome to the Financial Podcast: A Deep Dive into Credit
00:19 Introducing Patrick Ritchie: The Credit Expert
01:13 The Secrets to Maintaining an 800 FICO Score
04:57 The Dangers of Inactivity and Closing Old Credit Cards
05:49 Strategies for Managing Credit Cards with Annual Fees
10:14 Navigating Identity Theft and Fraud Alerts
13:33 Boosting Your Credit Score: Authorized Users and Co-Signing
26:09 The Power of Freezing Your Credit Report
29:31 Mastering Credit Freezes: A How-To Guide
29:50 The Perils of Losing Your Credit Freeze Password
30:28 Understanding Credit Freezes vs. Fraud Alerts
31:50 Navigating Title Fraud and Identity Theft
37:03 The Importance of Being Cautious with Debit Cards
39:36 Co-Signing Risks and Financial Advice
49:15 The Impact of Financial Decisions on Credit Scores
50:53 Leveraging Consumer Finance Resources
51:50 A Cautionary Tale: The CEO's Credit Crisis
54:45 Closing Thoughts and Resources
Disclaimer: The information provided in this podcast is for general informational purposes only and should not be construed as professional financial advice. Always consult with a qualified financial advisor or professional before making any financial decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.