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TheCreditGuyTV Podcast

by Dave Sullivan

This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know what to do. Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor's degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions.On September 19, 1997, he started AIR Credit Midwest out of his car. Over the next two years, Air Credit Midwest grew to a multi-million dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau's in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit ind

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Episodes

  1. How "The Cares Act" Changed Credit Reporting FOREVER?

    The CARES Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law on March 27, 2020, amended the Fair Credit Reporting Act The "covered period" is either period beginning on January 1, 2020, and ending on the later of (i) 120 days after the enactment of...

  2. The Problem with Experian Boost® no one is talking about #credit #creditscoring

    Experian Boost® Score Today we're going to take an in-depth look at Experian Boost score, One of the problems that FICO® has had in the past with other versions of a new FICO® score was trying to score people with a thin repository file. FICO® was trying to create a reliable scoring model that…

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  3. Did We Change the Credit Industry?

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  4. Credit Score Dropped for No Reason?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  5. 4 ways to get your offer accepted

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  6. Trended Credit Data Fannie Mae Update

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  7. April 16th 2018 TransUnion Stops Reporting Tax Liens

    Transform Your Credit https://www.amazon.com/Transform-Your-Credit-Financial-Freedom-ebook/dp/B078VV42ZD TU Announcement https://portal.mybig.net/documents/Public%20Records_TransUnion%20Customer%20Announcement_3%2019%20183.pdf Subscribe...

  8. Your Credit Score could cost you 5K a year in extra insurance costs

    Your Credit Score could cost you 5K a year in extra insurance costs Nerd wallet story http://www.thedrive.com/news/19819/states-where-poor-credit-has-the-biggest-impact-on-car-insurance-rates Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information...

  9. Transform your Credit

    https://www.amazon.com/Transform-Your-Credit-Financial-Freedom-ebook/dp/B078VV42ZD

  10. How to handle collections with FICO®5 vs FICO®9

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  11. 2 Safe ways to improve your credit score

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  12. Transform Your Credit Interview

    To Watch the full interview click here https://youtu.be/VbfEW_lEd8E Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at...

  13. Why have Public Records Stopped Reporting on Credit Reports?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  14. How to keep an Ex Spouse from Killing your Credit Score

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  15. Here are two ways that the Equifax information could be used to hack consumer's identity.

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  16. 3 Ways to Handle Collections

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  17. What generation has the best credit score?

    The USA Today story implied that young people may not understand how credit works but it has more to do with what generation has the longest credit history. Younger generations have lower credit scores because they don't have the opportunity to have a 20 or 30-year-old credit account. If a…

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  18. How to Rescue Credit Scores after Bankruptcy.

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  19. Dave Ramsey Wrong on Credit Reports and Credit Scores

    Subscribe Check out the 6 steps to better credit here For more free information on credit scoring check out my blog Join me on LinkedIn Follow me on Twitter Like the Facebook Page Follow my Pintrest boards All Material included in the presentation, class, video or website is protected under copy...

  20. The #1 way to protect yourself from the Equifax Hack

    To get the links to the repositories go to www.thecredithuy.tv/freeze Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at...

  21. A great job explaining how we have 1.5 trillion in student loan debt

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  22. Should you pay off an installment loan to help your credit score?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  23. How Many Credit Cards Should You Have?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  24. Will Fannie Mae Stop using Credit Scores?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  25. How long will it take an installment account to improve My Credit score?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  26. How to handle collections on credit reports

    https://thecreditguy.tv/handle-collections-credit-reports/ ‎ Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at...

  27. What is the Most Important Date on a Collection Account?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  28. Did your credit score improve July 1st? Here is why.

    https://thecreditguy.tv/national-consumer-assistance-plan-2017/ The National Consumer Assistance Plan Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on...

  29. What is a Michigan 203K loan with John Leach

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  30. Kevin Elsenheimer interview with Executive Director of MSHDA

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  31. MSHDA Federal Tax Credit Calculation

    Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook...

  32. What Credit Card Should I Payoff First? Credit Score Tips

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  33. Collection Accounts Re-reported On My Credit Report?

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  34. How can my credit report be marked Deceased?

    A good friend of mine call me last week, he told me that his father had passed away. He wanted to make sure that his father's credit profile was appropriately handled. Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit...

  35. Perfect Credit Report Profile Secrets

    Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at...

  36. Medical Debt Advanced Strategies to get it removed!

    Medical Debt Advanced Strategies to get it removed! Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at...

  37. Medical Debt Credit Report Collection Help

    I believe so, I went to the hospital in 2012 and my insurance paid my bill in full and never got a bill. In 2014, I went back to the hospital. At that time I was informed about two old accounts for small amounts of money that were sold to collection companies. This has hurt my credit score....

  38. If I dispute an account with 1 of the 3 repositories will it automatically fall off the other 2?

    Question: I was reviewing my credit report and I decided on disputing something negative. The result was that it was deleted however that same negative account is on the other two repositories. Will they tell the other two repositories and how long should long would one have to wait for the…

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  39. 2017 Trended Credit Data Update

    This week we're going to talk more about trended credit data in 2017. Trended credit data is really huge in the credit industry. People don't realize it is has been around for going on six months now and it impacts everyone who applies for a mortgage through Fannie Mae right now Subscribe...

  40. Is a University Degree Worth $80,000 in Debt?

    Young people go to college and they take out all this debt at a young age they don't realize, the choices that they're making. More importantly, and what it is like to live with it. If you become a doctor you could wind up with two hundred thousand or a quarter-million dollars in debt. Subscribe...

  41. State Housing Development Authority.

    This week I talk with Kevin Elsenheimer, the executive director of Michigan State Housing Development Authority. http://www.michigan.gov/ownmihome Dave: Kevin thank you for being here I wanted to let people know a little bit about MSHDA and what is MSHDA. What function is it serving here in...

  42. Rural Development loan changes start October 1st 2016.

    Big Changes are coming to Rural Development October 1st 2016. Mike Archer and I get together to talk about them in this interview. Dave: I wanted to talk about the changes coming up next week with the Rural Development loans, can you tell us a little bit about RT loans? Mike: Absolutely! A Rural...

  43. Pay Bills and Improve Your Credit with AirBnB.com

    I have transitioned out of the Tiny house and I am now staying at an AirBNB. I wanted to get some advise on how to start making some money on the side with AirBnB. Dave: …with Airbnb proprietor Sharon, I am actually staying with Sharon here in North Muskegon. A lot of people try to repair their...

  44. How to remove collections off your credit report using The National Consumer Assistance Plan

    Remove Collections using the National Consumer Assistance Plan. In March of 2015 the New York Attorney General entered into an agreement with the three major repositories. They agreed that changes would be made regarding how some debts would show up on consumers credit reports. One of those…

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  45. The Trended Credit Data Unintended Consequences

    Trended Credit Data unintended consequences. Fannie Mae has postponed(until further notice) the new automated underwriting system DU 10, including introducing Trended Credit Data. Fannie Mae was expecting all three of the repositories to be ready with their trended credit data. Unfortunately,...

  46. 3 Ways to get a leg up on Trended Credit Data

    Fannie Mae is making more announcements on how they're going to handle trended credit data. Trended Credit Data live June 25th, The repositories TransUnion and Equifax have introduced the trended credit data on all credit reports, Experian has not. I believe that's why Fannie is delaying the...

  47. TheCreditGuyTV Radio show number 01

  48. GET IT! What if your credit score was 1000?

    Michigan's Big Show Interview I was invited on a Lansing radio show last week. This was the interview… Michael Patrick Shields: What if your credit score was 1000? If I had a credit score like that could you get anything you wanted? The Credit Guy: Well the scoring model does not go up that high,...

  49. Will reactivating an old account help my credit score?

    Tiny Credit Tip. Will reactivating an old account help my credit score? I really do love it here in the tiny house. This week I will show you the bathroom and the bedroom today in episode number four. I had a question come through on facebook about a borrower that a mortgage lender was working...

  50. Trended Credit Report Example

    I want to talk about is trended credit reports. Fannie Mae has been working on trended credit reports for two years now. In the past when consumers make their payments on time and that is all that is recorded on their credit profile. The repositories only recorded if the payment was on time, they...

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ABOUT THIS SHOW

This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know what to do. Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor's degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions.On September 19, 1997, he started AIR Credit Midwest out of his car. Over the next two years, Air Credit Midwest grew to a multi-million dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau's in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit ind

HOSTED BY

Dave Sullivan

Frequently Asked Questions

How many episodes does TheCreditGuyTV Podcast have?

TheCreditGuyTV Podcast currently has 100 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.

What is TheCreditGuyTV Podcast about?

This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know...

How often does TheCreditGuyTV Podcast release new episodes?

TheCreditGuyTV Podcast has 100 episodes. Check the episode list to see recent publication dates and frequency.

Where can I listen to TheCreditGuyTV Podcast?

You can listen to TheCreditGuyTV Podcast 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 TheCreditGuyTV Podcast?

TheCreditGuyTV Podcast is created and hosted by Dave Sullivan.
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