Credit Coaching by Kristi
by Kristi Nowrouzi
Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.comor email [email protected] #754092
Episodes
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Mortgage Credit Scores Are Changing: What Homebuyers Need to Know
Why does the credit score in your app look different from the one your mortgage lender sees? In this episode of Credit Coaching by Kristi, Kristi Nowrouzi explains how credit scores work and what changes in mortgage credit scoring could mean for homebuyers. Learn about VantageScore 4.0, FICO 10T,...
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Stop Disputing Everything: How to Actually Fix Your Credit
Are you "fixing" your credit by disputing everything negative? When people say they are “working on their credit,” they often mean someone is disputing every negative account on their report. But disputing information is not the same thing as fixing your credit. In this episode of Credit Coaching...
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Can Your Credit Score Measure a Length of a Romantic Relationship?
This one blew my mind. The Federal Reserve did a 15 year study over 12 million people and found an equation for determining how long a relationship might last depending on the credit score gap. Woah- wait, what?! Your credit score and profile is so much more than just a report to determine your...
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Broke by Design?
In this episode, learn from Coach Kristi that the system is likely geared against you. You have to learn the rules of the game in order to win. It's not taught by our parents or in school, at least not the proper way, it is up to you to learn on your own. Otherwise, you are potentially paying…
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Could Trump Cap APRs at 10% for a Year? And Let's Talk The Cost of Money
President Trump sure is shaking things up. Social media is a-buzz with his crazy antics. Last week he went on social and posted he was going to have credit card APRs get reduced to 10% for a year. The goal is that with the lower APR, more of your payment goes to reducing your credit card balance....
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Psychology of Spending
Before the action steps of paying off debt, getting out of debt, staying out debt, we really need to know a few angles in psychology that affects our spending and buying decisions. It even affects our commitments! Tune in to learn some really deep stuff about how the brain works when it comes to...
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Holiday Spending: Healing the Kid Inside You (Without Wrecking Your Credit)
So many adults overspend during the holidays because they’re trying to give their kids what they never had — not realizing they’re actually trying to heal a younger version of themselves. It’s love… but misdirected. And it often leads to debt and anxiety come January. This episode helps…
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Ways To Get Out Of Debt (it doesn't include winning the lotto)
Millions of people feel like they are drowning in debt. $700+ car payments, tens of thousands in student loans and credit card balances, and month after month, payment after payment, it feels like a dent hasn't even been made. Listen in as your coach shares ideas and suggestions inspired by a...
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Medical Debts On Your Credit Report
In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well, a Texas judge recently overturned that and well... the CFPB (Consumer…
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Gen Z's Are Anxious About their Credit Situation
I read an article that gave some startling stats on Gen Z's: a BIG percentage are quite nervous, or more like anxious, about their credit profile. Many have not even checked their credit before! Yikes! If you are or know a Gen Z, please share this episode with them so they can learn the 5 pillars...
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Buy Now, Pay Later Loans Will Be Added To Your Credit Profile
Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection. But starting Fall 2025, BNPL loans will be added to your credit profile, which can help lots of…
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Current Debt Numbers Across the Country
What is credit, really? It's usually... debt. This is why Dave Ramsey teaches and preaches the way he does- saying don't use credit cards. It's because most of us need guard rails against going into debt and getting into trouble. Our society is being taught to borrow for everything- your…
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Student Loans are in Repayment Mode (And Causing Havoc!)
Student loans were in forbearance for several years but now, for most people with student loans, the expectation and requirement is to repay those loans with scheduled monthly payments. But approximately 24% of those with outstanding balances are not making payments! Yikes! This is wrecking havoc...
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The Credit Game Just Changed—And It’s in Your Favor
Are you dreaming of buying your home one day but your credit hasn't been cooperating? Well great news! In a historic decision, the Federal Housing Finance Agency, the parent authority over Fannie Mae and Freddie Mac, has recently announced they are accepting VantageScore 4.0 to be accepted! Up...
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Are You Struggling With Your Spending?
Millions of people are struggling financially. Listen in as your coach shares some guidance to help with some practical steps to create a spending plan (budget) . [email protected]
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Warning of Debt Settlement Company- Credit Associates LLC
If you carry forward a large balance on your credit card month after month, there is a good chance that you have received a letter from a company such as Credit Associates LLC or National Debt Relief offering "Credit Card Debt Forgiveness" and stating you may be "entitled to a reduced settlement…
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The Cost of Borrowing with Poor credit vs. Good Credit
So we hear these APRs getting thrown around but how does that translate to payments and interest paid over time. Your Credit Coach compares a mortgage payment (good credit vs. bad) and a car payment and shows what the result is of additional interest paid over 5 years. The costs may surprise you....
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What Is a "Good" Credit Score?
Ever wonder what a "good" credit score is? And how is that even measured? According to FICO and Experian, a good credit score is... Well check out the episode to learn more! And ways to get a good score and how to get to a GREAT credit score! [email protected]
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Credit Facts- Overview
In today's episode, Credit Kristi will share some essential facts about credit for those yearning to learn more about credit basics. Your coach shares some truth from her continuing education course for her Certified Credit Counseling certification where you can learn more about FICO® and credit...
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What To Do If Your Credit Is Jeopordized
Have you ever had an inquiry on your credit or got a call from a creditor asking questions about your credit application - but you didn't apply for a new line of credit? What do you do? Listen in as your credit coach shares how to add language of fraud to your profile, freeze your credit and even...
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Make a Powerful Move with Your Tax Refund!
Are you getting a tax refund this year? I see where many people go splurge the few thousand they get back from overpaying in federal income taxes.... but what if you could make a really powerful move with your money? What if you paid off some debt, started that emergency fund or even started a...
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Financial Independence
What is Financial Independence? And is it possible for me? Listen in as your credit coach explains the 6 steps to financial independence. Hint: it does include debt management, and that is a BIG part of what keeps people from achieving their goals, because they are paying debt rather than saving...
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Interview with a Money Trauma Expert
Many people have not discovered their relationship with money. Often created at a very young age through our environment and experiences. But what if you had a traumatic event in your life? Your parents lost their home to foreclosure? A divorce left you penniless? A job loss or illness struck-...
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Credit Resolutions: Setting Goals for a Strong Financial Start
Want to make REAL change in your financial life this new year? Let's go! Listen in as your credit coach gives some ideas and suggestions on how to make real and lasting change in your credit. Make more than a dent- smash that debt this year and let 2025 be the year you got OUT of credit card and...
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Busting Some Credit Myths (thanks social media)
Social media makes anyone able to present themselves as an expert on any topic they select. Unfortunately, there is a TON of really poor information out there that simply isn't true. Not knowing might waste time or cost you money or unnecessary stress. Share a little time with your credit coach…
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National Debt Relief (And Debt Settlements vs. Credit Counseling)
Unfortunately, companies like National Debt Relief are spending a ton of money getting in front of people that carry debt to manipulate and deceive you into believing their debt settlement program is the relief you have been seeking. They are the last resort- please don't work with a debt...
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Holiday Spending - Plan For It!
What other time of the year takes so much out of us- financially and otherwise?! Don't let gift giving pull you down! Make plan, be ready, take some precautions and DON'T max out your credit cards! [email protected]
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Is Your Significant Other's Credit Terrible?!
Is your significant other's credit profile and score causing some tension in the relationship? In addition to the obvious of having to pay higher interest or not qualify for financing at all due to lower scores, there could be an emotional component to your partner having poor credit profile that...
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What Is A Credit Sweep (Besides Illegal!)
Have you heard of the term "credit sweep" or credit washing? I hadn't either until recently. Not only does it sound too good to be true- it's illegal! Please be careful with "quick fixes" as they often aren't what they might appear to be. If someone is saying they can remove derogatory items from...
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The Credit Bureaus are Selling Your Personal Info!
The Big Credit Bureaus are selling your information - and they are making bank by doing so! Listen in as you Coach shares 2 ways to protect your information from being sold to companies who want to know your profile and solicit to you. [email protected] for questions or show ideas...
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What's Worse- No Credit or Bad Credit?
Have you wondered, what is worse? Bad credit or no credit? Listen in to learn what "the decision makers" when it comes to extending credit want to see. [email protected]
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More on Zero Percent 0% Balance Transfers
Let's listen in to some additional details regarding zero percent balance transfers on credit cards. [email protected]
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Credit Card Balances and APRs - New HIGHs
Credit card balances are at the highest level in history. In fact, over $1.115 TRILLION is the current outstanding credit card balances for Americans! 1 in every 5 credit card holders are "maxed out" meaning they have greater than 90% of their limit as a balance. APRs are also the highest we've...
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What is Debt Ratio (and Why Should I Care?)
There is a very important term in finance called Debt Ratio. You should have an understanding of what it means, what it says about you and your spending/debt load, and why it's important to keep it in check. Whether you are thinking about and preparing to buy a home or just want to figure out…
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Mortgage Denials - #1 Reason is CREDIT!
As a mortgage broker, I see the entire financial picture of someone applying for a loan. That is what drove me to start this podcast over 4 years ago, is because time and time again I would spend time coaching people on what to do to improve their credit so they can qualify for a mortgage. The #1...
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Why Did I Get Denied for a New Credit Card?
Have you applied for a credit card and then found out... you were denied?! There are various reasons that could be the culprit, so listen in to your credit coach as Kristi shares some of the top reasons for not being approved if you applied for a credit card. [email protected]
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Cost of Living Has My Credit Card Balances High!
I am hearing from a lot of people that they are carrying large credit card balances forward each month, not intentionally, but because the cost of living is so high. Listen in (if this is you, you are not alone) and hear some suggestions on what to do about it. Check out this cost of living...
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Improve Your Credit Fast
Looking for some quick tips to improve your credit ASAP? I got you! Listen in to learn best tips to improve (or build) your credit profile quickly. Some of the places Coach Kristi references: To pull your free credit report: https://www.annualcreditreport.com/ Self.inc for the credit builder...
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Freeze Your Credit!
As a matter of protection, I recommend you freeze your credit. What does it mean to have your credit frozen? How does it benefit me? What if I need to access my credit? What if I am a victim of fraudulent activity? Listen in as your credit coach breaks it all down for you. To freeze your credit,...
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Interview with a Business and Corporate Credit Expert!
Are you desiring to grow and expand your business? Needing financing opportunities and a great business credit profile? Listen in as your Credit Coach interviews business credit expert Christi DiCenso of JGalt. This knowledge can help your business optimize cashflow, manage growth and create a...
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How to Win With Credit - Have an Exceptional Profile
So many people reach out to me asking how to start credit, how to improve their credit, or tell me they don't understand what it takes to have a great credit profile. Let's fix that today! Listen in to learn the rules of the game and to win at this thing called credit profile. You want to show up...
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Debt, Dollars, and Data: Economic Update and Debt Management
As I round out my fourth year of providing insight and updates, I am sharing information from the Federal Reserve Bank of NY with their report of Household Debt and Credit. Also ideas and suggestions for managing debt. Check out my books on Amazon! Finish Financially Free and First Home: Where to...
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The Cost of Bad Credit... with a Sprinkle of New Year Goals
Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores. Have any new year goals (we don't do resolutions here, just goals!) for...
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Collections and Date of Last Activity
I am asked more about collections than any other credit topic. The majority of the time is what to do with collections, what happens if I dispute it, what happens if I try to talk with the creditors, and what do I need to know to help in situations with collections. Listen in as your credit coach...
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Interview with D. Saul- Credit Expert
D. Saul is a credit expert. He had started off fixing his own problems, then became so well versed solving issues for his friends and family, that he got into credit repair. He shares his wisdom and gems with us in this episode. And connect with him! D.Saul's connection contacts: Fix Your Own...
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Student Loan Repayments
If you have student loans, you know that they are going back into repayment status. What's unfortunate is many people have moved or have new contact info, so is the new loan servicer even able to track you down to start collecting your payment? Because Navient isn't servicing federally backed…
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Being an Authorized User - The Best Way to Quickly Improve or Build Your Credit Profile
Looking for quick way to build a credit profile or improve an existing one? THIS is my #1 tip to quickly bring your score up with being added as an authorized user of an existing, good standing credit card. Your credit coach will share the details on how this can benefit your profile from adding...
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College Bound Students- What To Know About Starting Credit
Are you headed off to college or care about someone who is? Listen in as your credit coach shares about the challenges of starting new credit, warnings about getting tripped up with new debt and bills, and some ways to cautiously begin your credit and money management journey....
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'Til Debt Do Us Part
What Does money and marriage have in common!? If you are married, you are already listing the ways! Money management is one of the most important factors in a healthy marriage, and it necessary to work through together. 22% of divorces in the US list money as the predominant cause. Money is...
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Collections
Brief overview about collections, and how medical and non-medical collections differ. What impact does a collection have on your credit profile? [email protected]
About this show
Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.comor email [email protected] #754092
Hosted by
Kristi Nowrouzi
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