The Credit Check
from Elevate 216 Hosted by Jamal & Jamaa
In episode two of Elevate 216, Jamaa and Mal talk about credit repair and how to leverage credit, sharing real experiences and practical starting steps. They also highlight building credit while cleaning it, using credit-builder tools, and how good credit can open access to funding and perks. They announce a financial literacy day party on Saturday, November 14, 2026 at Lounges in Cleveland. 00:00 Episode Intro 00:27 Why Credit Matters 02:26 Avoid Credit Repair Scams 03:38 Teach the Whole Family 05:24 Audit Your Credit Report 06:36 Credit Repair Takes Time 08:57 No Shame in Bad Credit 10:47 Leverage Credit for Goals 14:46 Cash vs Credit Lessons 16:08 Building Score vs Profile 20:15 Mor’s Funding Strategy 22:23 The Reward of Helping 22:51 Credit Changes Lives 24:06 Perks and Levels 25:28 Late Payment Reality 27:04 Utilization Under 10 29:05 Boost Limits and Usage 30:04 Building Credit History 31:21 Authorized User Strategy 34:11 Primaries Over AUs 35:41 Start Building Day One 38:08 Personal Credit Wins 40:16 Travel Perks and Rewards 42:44 Wrap Up and Event Plug
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