PODCAST · business
The Credit Show
by Harry Jacobs
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<
Episodes
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Fraud Alert vs. Credit Freeze: Know the Difference Before You Need It
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…
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Zombie Debt: The Old Debt That Can Rise From the Dead
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...
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Charged Off Doesn't Mean Gone: The Debt That Keeps Coming Back
"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"…
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Common Credit Mistakes That Cost Good People Great Credit
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…
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The Myth That You Need Debt to Have Good Credit
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…
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Cosigning a Loan: The Most Expensive Act of Kindness in Personal Finance
Cosigning a loan feels like a simple act of generosity. It isn't. Harry Jacobs explains why "lending your name" is the most misleading phrase in personal finance — because when you cosign, you are co-borrowing the debt, with 100% liability and no control over how it gets managed. Every late...
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Common Credit Mistakes That Cost Good People Great Credit
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…
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The Myth That You Need Debt to Have Good Credit
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…
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Why Your New Car Loan Dropped Your Score (And Why That's Normal)
You bought a new car, made your first payment on time, and your credit score dropped 20 to 30 points anyway. What went wrong? Nothing. Harry Jacobs explains the two-part reason every new auto loan temporarily drops your score — the hard inquiry and the new account impact on your average credit…
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Be Careful When You're "Just Looking": The Hidden Cost of Credit Curiosity
"Let's just see what you qualify for" is one of the most expensive phrases in personal finance. Harry Jacobs explains exactly what happens to your credit score every time a dealership runs your credit — and why casual browsing across multiple lots over several months can cost you a better…
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Buy Now, Pay Later: The Financial Cigarette Hiding in Your Shopping Cart
Buy Now, Pay Later is everywhere, and it's quietly damaging credit files across the country. Harry Jacobs explains why these seemingly harmless installment options are creating serious credit problems: multiple new accounts, hard inquiries, and delinquencies from missed payments on purchases as...
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The Divorce Decree Doesn't Protect Your Credit. Here's What Does.
A divorce decree says your ex is responsible for the joint credit card. Six months later, your score drops 150 points because they stopped paying. This is one of the most common — and most devastating — credit situations Harry Jacobs sees, and the hard truth is that a family court judge has zero...
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The Utilization Trap: Why the 30% Rule Is Keeping Your Score Stuck
"Keep your balances under 30%" is the most repeated piece of credit advice on the internet — and it's costing people 50 to 100 points without them knowing why. Harry Jacobs explains why the 30% threshold is a ceiling, not a target, and why sitting at 29% puts you solidly in the danger zone. Learn...
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Pay For Delete: The Strategy That Turns Debt Into a Clean Report
You've got a collection account, you've got the money to pay it, and your instinct is to just get it done. Stop. Paying a collection without a strategy is one of the most expensive credit mistakes consumers make — because a paid collection still sits on your report for seven years as a derogatory...
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Medical Bills on Your Credit Report: The New Rules They Won't Enforce for You
The headlines said medical debt was gone from credit reports. The reality is more complicated — and more costly if you believe the hype. Harry Jacobs breaks down exactly what changed in 2023 and 2025 around medical debt reporting, why the bureaus are not automatically applying the new rules to...
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The Benefits Of A Credit Builder Loan
If your credit score has plateaued and you're only carrying credit cards, you may be missing a key ingredient: installment loan history. Credit scoring models want to see both revolving and installment accounts — and for many consumers trying to rebuild or break past a score ceiling, that...
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The Forgotten Store Card: The Silent Time Bomb
That store card you opened years ago for a one-time discount — the one sitting in a drawer you haven't opened since — could be quietly destroying your credit right now. Harry Jacobs explains the two ways a forgotten store card becomes a credit catastrophe: the annual fee ambush that turns into a...
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The Reality Of A Grace Period
Most people think they have a grace period. They're wrong — and one missed payment can drop a credit score by 100 points or more, triggering a chain of escalating damage that can last years. Harry Jacobs explains why the "30-day rule" is one of the most dangerous myths in consumer credit, how a...
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Dealing With Debt, The Snowball vs The Avalanche Method
The internet has strong opinions about which debt payoff method is superior. Harry Jacobs has a stronger one: the best strategy is the one you'll actually stick to. In this episode, he breaks down the debt snowball and the debt avalanche — how each works, what each costs you, and why the...
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Should You Ask For A Credit Limit Increase
A credit limit increase isn't just a way to spend more — used correctly, it's one of the most precise tools available for lowering your credit utilization and boosting your score without paying down a single dollar of debt. But ask at the wrong time, say the wrong thing, or trigger a hard inquiry...
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The One Big Payment Mistake
You pay your credit card in full every month, never carry a balance, and never pay interest. So why is your score stuck? Because the balance the credit bureaus see isn't the one you pay on the due date — it's the one reported on your statement closing date, which could be weeks earlier. Harry...
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Credit Karma vs FICO
You checked your Credit Karma score before walking into the dealership. It showed 720. The finance manager came back with a rate you didn't expect. Here's what happened: the score you saw and the score they pulled are two completely different numbers — and nobody warned you. Harry Jacobs breaks...
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The 609 Letter Myth
There are people online — leaning against rented Lamborghinis — selling "609 letter" templates for $50 and claiming they're a secret loophole that forces credit bureaus to delete any negative item from your report. It's not true. Harry Jacobs explains what Section 609 of the Fair Credit Reporting...
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The Reality of 3 Credit Bureaus
Most people assume there's one central credit file — one master record that lenders pull. That assumption is wrong, and it's costing consumers thousands of dollars at the loan closing table. Experian, Equifax, and TransUnion are three separate, competing corporations that do not share data. A...
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The Credit Bureau Myth
Most people assume there's one central credit file — one master record that lenders pull. That assumption is wrong, and it's costing consumers thousands of dollars at the loan closing table. Experian, Equifax, and TransUnion are three separate, competing corporations that do not share data. A...
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The 'Responsible' Move That Quietly Wrecks Your Score
It feels like the mature thing to do. You've got cards you don't use, so you close them and clean up your wallet. But in the counterintuitive world of credit scoring, closing a credit card — especially an old one — can drop your score by 30 to 60 points with zero warning. Harry Jacobs explains…
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The Authorized User Trap: Credit Hack or Credit Wrecking Ball?
Becoming an authorized user on someone else's credit card is one of the most talked-about credit building strategies — and one of the most misunderstood. Done right, it can import years of positive credit history onto your report and jump your score significantly. Done wrong, it can set you back...
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Stop Watching Your Credit. Start Running It.
There's a massive difference between monitoring your credit and actually managing it — and that gap is costing people real money. Harry Jacobs explains why checking your score on a free app is not the same as fixing your credit, and why passive awareness without active intervention keeps good...
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Junk Fees: The New Tricks Companies Use to Pick Your Pocket — Legally
Junk fees are costing American consumers billions of dollars every year — and the tactics are getting sneakier. In this episode, Harry Jacobs breaks down the latest methods banks, loan servicers, and debt collectors are using to add unauthorized charges to your account, including retroactive...
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Student Loan debt relief SCAMS
Student loan debt settlement companies promise quick fixes but often leave people worse off—Harry shows you the red flags, the scams, and the legitimate options you actually have. If you would like a free consultation with Harry Jacobs at Credit Restoration of Nevada, text CREDIT or call...
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Credit Delinquencies On The Rise AGAIN!
In this powerful episode of The Credit Show Podcast, Harry breaks down the growing U.S. consumer debt crisis and explain why millions of Americans are feeling crushed by rising costs, record balances, and high interest rates. Using data from the Federal Reserve, the New York Fed Household Debt…
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Toyota's Violations Of Consumer Laws
From hidden mark‑ups to yo‑yo financing, Harry unpacks recent complaints and legal actions involving Toyota financing and what they teach every car buyer about protecting their credit. #Toyota #AutoFinance #CarLoans #DealerFinance #CreditProtection #KnowYourRights #AutoBuying #CreditTips See...
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Experian issues with the CFPB
Experian has its own history of regulatory trouble—Harry breaks down key CFPB findings and what they reveal about errors, upsells, and how your credit data can be mishandled. #Experian #CFPB #CreditBureau #CreditErrors #CreditMonitoring #ConsumerProtection #FixCredit #FinancialEducation See…
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Four Things Debt Collectors Can Not Do
Harry lays out the four big things debt collectors are flat‑out not allowed to do—and what steps to take if a collector crosses the line with threats, lies, or illegal tactics. #DebtCollectors #FDCPA #ConsumerRights #Harassment #KnowTheLaw #FixCredit #DebtHelp #CreditRepair See Privacy Policy at...
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Equifax's Troubles With Regulators
Equifax has repeatedly run afoul of regulators—Harry reviews the latest CFPB actions, what they did wrong, and how their mistakes might be hurting your file right now. #Equifax #CFPB #CreditBureaus #DataErrors #CreditReport #ConsumerRights #CreditRepair #FinancialNews See Privacy Policy at...
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The Anatomy of a CFPB Consent Order
Harry dissects a real CFPB consent order and shows how companies get nailed for illegal credit practices—plus what those cases teach you about protecting yourself and disputing correctly. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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The Small Dollar Loan Cycle Of Debt!
As necessary as these loans are for some--one can destroy your credit. You are set up to fail more often than not. Use them wisely, #paydayloan #badcredit #goodcredit #financialfreedom #creditrepair See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Clues That You Are A Victim Of Identity Theft
Don't wait for a massive bill. Catch identity theft early by spotting these 3 subtle clues that most people dismiss as glitches. #IdentityTheft #FraudWarningSigns #CreditFreeze #ProtectYourCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Credit Myths and LIES Can Cost You Points. Be Careful Where You Get Your Advice.
Heard medical debt doesn't count anymore? Not exactly. We explain the new rules and the old problems that could still be hurting your score. #CreditUtilization #CreditMyths #CreditCards #CreditScore See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Medical Debt--The Recent Rules And The Old Problem
Heard medical debt doesn't count anymore? Not exactly. We explain the new rules and the old problems that could still be hurting your score. #MedicalDebt #MedicalCollections #CreditReport #FixCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Buy Now, Pay Later--The Silent Score Killer
Buy now, pay later can be an ugly trap. More credit and more accounts is not the key to increasing your credit score. The concept of 0% for a store card makes sense IF you have excellent credit, but if you don't these accounts don't help you in the long run and they can be problematic if you…
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SNAP Finance: The "No Credit Needed" Trap Exposed
If you are with SNAP financing for anything, you should be aware of this--it's not breaking news, but it is news that you need to be aware of. #credit #creditreport #creditrepair #creditscore #fico #snapfinance See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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How a 100-Point Jump Can Save You $150,000 on Your Mortgage (The Math Will Piss You Off)
In this episode, Harry breaks down how a 100‑point jump in your credit score can change your interest rate, slash your monthly payment, and save you well over $100,000 over the life of a mortgage. #CreditScore #Mortgage #HomeBuying #InterestRates #SaveMoney #FinancialLiteracy #FixCredit...
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Zelle the dark side of electronic transfers
The issues consumers face with Zelle. Most consumers don't realize that Zelle is owned by several of the big banks, but are they doing enough to protect consumers against fraudulent activities? #credit #creditrepair #creditreport #zelle #venmo @paypal See Privacy Policy at…
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Credit Repair 101
Credit repair isn't a diet; it's a lifestyle. Build the habits that make a 750+ score your permanent reality, not just a temporary high. #CreditWellness #FinancialHabits #LongTermCredit #CreditMaintenance #FinancialHealth See Privacy Policy at https://art19.com/privacy and California Privacy…
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The Juggling Act: How to Manage Multiple Credit Cards Without Losing Your Mind or Your Score
Juggling multiple credit cards without losing your mind (or your score) is possible. Here's the commander's system for total control. #CreditCards #CreditManagement #MultipleAccounts #CreditScore #Autopay See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Identity Theft: When Your Credit Report Gets an Evil Twin
Someone living their life on your dime? We walk you through the 3-step crisis plan to lock down your credit and evict the identity thief for good. #IdentityTheft #Fraud #CreditFreeze #CreditReport #FixCredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Student Loan Delinquency Explosion: 31% of Borrowers 90+ Days Late
5.8 million people are 90+ days late on student loans. If you're one of them, your credit is about to get nuked. Here's the exact playbook to save it. #StudentLoans #Default #Delinquency #LoanRehabilitation #CreditReport #WageGarnishment See Privacy Policy at https://art19.com/privacy and...
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The FICO Monopoly Is SLOWLY Changing
Mortgage credit reporter FICO has been the king of the hill. Things may be slowly changing. Ask your lender about Vantage. #credit #creditreport #mortgage #FICO #vantagereport #creditscore #goodcredit See Privacy Policy at https://art19.com/privacy and California Privacy Notice at...
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Why Just 'Monitoring' Your Credit is Like Watching a Car Crash in Slow Motion
Getting alerts about your credit score is like watching a car crash in slow motion. It's time to stop monitoring and start MANAGING your credit. #CreditMonitoring #CreditReport #FixCredit #CreditRepair #ActiveManagement See Privacy Policy at https://art19.com/privacy and California Privacy Notice...
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ABOUT THIS 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<
HOSTED BY
Harry Jacobs
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Frequently Asked Questions
How many episodes does The Credit Show have?
The Credit Show currently has 141 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is The Credit Show about?
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...
How often does The Credit Show release new episodes?
The Credit Show publishes regularly with 141 episodes available. Check the episode list for the typical release schedule.
Where can I listen to The Credit Show?
You can listen to The Credit Show on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts The Credit Show?
The Credit Show is created and hosted by Harry Jacobs.
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