FICO Scores, Behavior, and Building for a Secure Future with Connie Rolen

Join us on the Brian and Kindra show as we delve deep into understanding the difference between FICO scores and general credit scores. We share valuable insights from our guest, retired bank employee Connie Rolen who built the mortgage department at Bank7 in 2010. We discuss credit inquiries, soft pulls versus hard pulls, and how much they can affect your credit score. We also explore strategies for building a strong credit profile. The main takeaways include the importance of having at least three lines of trade, making 12 consecutive payments, maintaining old credit cards, and saving money. Finally, we warn against refinancing early and impulsively closing credit lines, as these actions can negatively impact your credit score. Listen in to get tips on how to navigate your credit journey successfully.