60 acast.com Your Credit Today https://shows.acast.com/your-credit-today en 2023 Angela Setters Bessard Credit,creditscores,businesscredit,entrepreneur ,creditreport Angela Setters Bessard

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> false Angela Setters Bessard angelas@conquercredit.com 647fb4675ac7e90011bbf009 your-credit-today https://feeds.captivate.fm/your-credit-today/ episodic https://assets.pippa.io/shows/647fb4675ac7e90011bbf009/1687850705734-aeefdb8ecc66edd36ba2204ab127943a.jpeg https://shows.acast.com/your-credit-today Your Credit Today https://feeds.acast.com/public/shows/647fb4675ac7e90011bbf009 Maximize your Tax Refund Maximize your Tax Refund Sun, 30 Mar 2025 07:00:00 GMT 24:24 67e85d2559009cabb2f5fa6e false https://shows.acast.com/your-credit-today/episodes/67e85d2559009cabb2f5fa6e 67e85d2559009cabb2f5fa6e 647fb4675ac7e90011bbf009 Smart Money Moves full 5 2 What are you doing with your tax return this year? Before you do anything, in this episode of "Your Credit Today," Angela challenges the common advice of using your tax refund to pay off credit card debt and offers smart, strategic alternatives. Discover how to break the cycle of debt and make smarter money moves for long-term financial success.


  • Understand why relying on a tax refund to pay off debt isn't solving the core financial problem.
  • Learn about the importance of investing in yourself and starting an emergency fund with your tax refund.
  • Discover how to create a monthly plan to tackle expenses and reduce debt consistently.
  • Explore the potential for using your tax refund to invest in your future and strategic opportunities.
  • Gain insights into reworking your budget for financial control rather than just debt relief.



Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence


00:00 In "Your Credit Today," host Angela Setters Bessard advises against using tax refunds to pay off credit card debt and offers alternatives for long-term financial success. Subscribe for tips on better financial management.

04:14 Don't rely solely on tax refunds to manage debt; instead, change financial habits and consider investing in yourself.

08:52 Plan and invest wisely to secure your financial future, regardless of income level.

10:40 Plan yearly to avoid financial pitfalls and ensure cash flow covers debts.

16:08 Coaching her to track spending daily on a whiteboard was healing, revealing unconscious spending habits.

18:04 Modern finance is digital and accessible, requiring discipline and awareness of spending, savings, and taxes, regardless of wealth.

21:31 Stay focused on your goals, remove negative influences, and make smart financial decisions.

Hosted on Acast. See acast.com/privacy for more information.

]]> What are you doing with your tax return this year? Before you do anything, in this episode of "Your Credit Today," Angela challenges the common advice of using your tax refund to pay off credit card debt and offers smart, strategic alternatives. Discover how to break the cycle of debt and make smarter money moves for long-term financial success.


  • Understand why relying on a tax refund to pay off debt isn't solving the core financial problem.
  • Learn about the importance of investing in yourself and starting an emergency fund with your tax refund.
  • Discover how to create a monthly plan to tackle expenses and reduce debt consistently.
  • Explore the potential for using your tax refund to invest in your future and strategic opportunities.
  • Gain insights into reworking your budget for financial control rather than just debt relief.



Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence


00:00 In "Your Credit Today," host Angela Setters Bessard advises against using tax refunds to pay off credit card debt and offers alternatives for long-term financial success. Subscribe for tips on better financial management.

04:14 Don't rely solely on tax refunds to manage debt; instead, change financial habits and consider investing in yourself.

08:52 Plan and invest wisely to secure your financial future, regardless of income level.

10:40 Plan yearly to avoid financial pitfalls and ensure cash flow covers debts.

16:08 Coaching her to track spending daily on a whiteboard was healing, revealing unconscious spending habits.

18:04 Modern finance is digital and accessible, requiring discipline and awareness of spending, savings, and taxes, regardless of wealth.

21:31 Stay focused on your goals, remove negative influences, and make smart financial decisions.

Hosted on Acast. See acast.com/privacy for more information.

]]> Spring Cleaning for Your Credit Spring Cleaning for Your Credit Sun, 02 Mar 2025 07:00:00 GMT 35:36 67c2513015abd9ea5fb713fc false https://shows.acast.com/your-credit-today/episodes/67c2513015abd9ea5fb713fc 67c2513015abd9ea5fb713fc 647fb4675ac7e90011bbf009 A Fresh Start for Your Finances full 5 1 Reset your financial situation and make 2025 your best financial year yet with Angela Setters Bessard, the real credit queen. Dive into essential strategies to refresh your credit, manage your debt, and revamp your budget.


  • Learn how to effectively check and update all three of your credit reports.
  • Discover methods to consolidate and manage credit card debt, including using balance transfer cards and personal loans.
  • Understand the importance of increasing your credit limits and maintaining positive credit history.
  • Uncover the snowball and avalanche methods for tackling debt repayment.
  • Refresh your budget focusing on cutting unnecessary spending and automating your savings and investments.


00:00 Reset your credit score to improve finances.

05:49 Ensure personal information on your credit report is accurate and up-to-date, including addresses and social security number. Consider using a P.O. Box for stability if you're renting.

08:29 File disputes with all three credit agencies to improve your middle credit score.

13:03 Apply for multiple zero percent interest balance transfer cards on the same day. Research card terms carefully and plan to pay them off diligently to avoid debt. Keep credit card usage under 30% and use them every 90 days to maintain good credit relationships.

17:25 Pay your credit card balances to avoid debt snowballing and maintain good relationships with creditors.

19:54 Increase credit limits to manage debt better and improve your financial standing for future credit needs.

24:35 Choose the snowball method to pay off small debts first for motivation or the avalanche method to pay high-interest debts first to save money, depending on your financial needs.

27:41 Re-evaluate your budget, cut unnecessary expenses, focus on debt repayment and savings, pay yourself first, and do tax planning.

29:38 Automate savings and 401k contributions; allocate income: 50% to needs (rent, bills), plan and document finances.

32:41 Refresh your credit, pay down debt, and set financial goals by checking credit reports, choosing a debt plan, and creating a strategy.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence

Hosted on Acast. See acast.com/privacy for more information.

]]> Reset your financial situation and make 2025 your best financial year yet with Angela Setters Bessard, the real credit queen. Dive into essential strategies to refresh your credit, manage your debt, and revamp your budget.


  • Learn how to effectively check and update all three of your credit reports.
  • Discover methods to consolidate and manage credit card debt, including using balance transfer cards and personal loans.
  • Understand the importance of increasing your credit limits and maintaining positive credit history.
  • Uncover the snowball and avalanche methods for tackling debt repayment.
  • Refresh your budget focusing on cutting unnecessary spending and automating your savings and investments.


00:00 Reset your credit score to improve finances.

05:49 Ensure personal information on your credit report is accurate and up-to-date, including addresses and social security number. Consider using a P.O. Box for stability if you're renting.

08:29 File disputes with all three credit agencies to improve your middle credit score.

13:03 Apply for multiple zero percent interest balance transfer cards on the same day. Research card terms carefully and plan to pay them off diligently to avoid debt. Keep credit card usage under 30% and use them every 90 days to maintain good credit relationships.

17:25 Pay your credit card balances to avoid debt snowballing and maintain good relationships with creditors.

19:54 Increase credit limits to manage debt better and improve your financial standing for future credit needs.

24:35 Choose the snowball method to pay off small debts first for motivation or the avalanche method to pay high-interest debts first to save money, depending on your financial needs.

27:41 Re-evaluate your budget, cut unnecessary expenses, focus on debt repayment and savings, pay yourself first, and do tax planning.

29:38 Automate savings and 401k contributions; allocate income: 50% to needs (rent, bills), plan and document finances.

32:41 Refresh your credit, pay down debt, and set financial goals by checking credit reports, choosing a debt plan, and creating a strategy.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence

Hosted on Acast. See acast.com/privacy for more information.

]]> Love and Money - How Can Two Walk Together Unless They Agree? Love and Money - How Can Two Walk Together Unless They Agree? Wed, 12 Feb 2025 11:47:49 GMT 38:23 67ac8a67b468a1d76ff4a517 false https://shows.acast.com/your-credit-today/episodes/67ac8a67b468a1d76ff4a517 67ac8a67b468a1d76ff4a517 647fb4675ac7e90011bbf009 full 4 25 Angela, The Real Credit Queen, invites her husband, Ralph Bessard, to discuss the critical aspects of managing finances within a relationship. They share their journey through the peaks and valleys of financial management together, and the importance of teamwork, financial self-love, and repairing relationships with money.


Angela and Ralph draw from their rich personal and professional experiences and share actionable insights into building a successful financial partnership.


Financial challenges and misunderstandings are common in relationships, yet open communication and strategic planning can transform these obstacles into opportunities for growth.


Angela and Ralph discuss their early experiences of navigating life together, offering practical advice for young couples looking to establish a strong financial foundation.


By focusing on financial self-awareness and aligning individual and joint financial goals, couples can thrive both personally and financially. This episode is filled with essential advice for integrating love and money, fostering transparency, and strategically planning for a prosperous future.


Key Takeaways:

  • Teamwork and Communication: Successful financial management in a relationship relies heavily on understanding each other's strengths and creating an open, communicative partnership.
  • Individual Financial Identity: Each partner should maintain their credit identity while working together, which can provide a safety net and individual security.
  • Transparent Financial Discussions: Openly discussing financial habits, knowledge, and goals is vital for avoiding misunderstandings and developing mutual financial strategies.
  • Investment in Relationships: Finances are an integral part of relationship-building that should involve both partners equally, supporting each other's aspirations and growth.
  • Love and Finances Connection: Emphasizing financial self-love and strategic planning can enhance relationship stability and prevent financial issues from causing discord.

Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence


Hosted on Acast. See acast.com/privacy for more information.

]]> Angela, The Real Credit Queen, invites her husband, Ralph Bessard, to discuss the critical aspects of managing finances within a relationship. They share their journey through the peaks and valleys of financial management together, and the importance of teamwork, financial self-love, and repairing relationships with money.


Angela and Ralph draw from their rich personal and professional experiences and share actionable insights into building a successful financial partnership.


Financial challenges and misunderstandings are common in relationships, yet open communication and strategic planning can transform these obstacles into opportunities for growth.


Angela and Ralph discuss their early experiences of navigating life together, offering practical advice for young couples looking to establish a strong financial foundation.


By focusing on financial self-awareness and aligning individual and joint financial goals, couples can thrive both personally and financially. This episode is filled with essential advice for integrating love and money, fostering transparency, and strategically planning for a prosperous future.


Key Takeaways:

  • Teamwork and Communication: Successful financial management in a relationship relies heavily on understanding each other's strengths and creating an open, communicative partnership.
  • Individual Financial Identity: Each partner should maintain their credit identity while working together, which can provide a safety net and individual security.
  • Transparent Financial Discussions: Openly discussing financial habits, knowledge, and goals is vital for avoiding misunderstandings and developing mutual financial strategies.
  • Investment in Relationships: Finances are an integral part of relationship-building that should involve both partners equally, supporting each other's aspirations and growth.
  • Love and Finances Connection: Emphasizing financial self-love and strategic planning can enhance relationship stability and prevent financial issues from causing discord.

Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence


Hosted on Acast. See acast.com/privacy for more information.

]]> Creating a Financial Vision for 2025 Creating a Financial Vision for 2025 Sat, 21 Dec 2024 02:11:44 GMT 22:02 6755cfc2e417dbfb21697d3b false https://shows.acast.com/your-credit-today/episodes/6755cfc2e417dbfb21697d3b 6755cfc2e417dbfb21697d3b 647fb4675ac7e90011bbf009 Moving from Goal Setting to Intention Setting full 4 24 As we approach a new year, it’s easy to get caught up in traditional goal-setting—but what if there’s a better way? In this episode of Your Credit Today, Angela Setters Bessard challenges you to rethink your approach by focusing on financial intentions rather than rigid goals. Intentions tap into your deeper “why,” keeping you motivated and inspired—even when life throws curveballs.


What You’ll Learn:

Intentions vs. Goals: Discover why setting financial intentions is more effective than traditional goal-setting. Learn how to connect your financial vision to what matters most to you.

Vision-Building Exercises: Write a letter from your “future self” in 2025, describing your financial success, and reverse-engineer the steps needed to get there.

Intentional Debt & Savings Plans: Find out how shifting your mindset can make paying down debt or saving money feel purposeful and rewarding.

Monthly ‘Intention Check’: Stay on track with monthly check-ins that help you adjust your financial actions while keeping your long-term vision in focus.


Key Takeaways:

Your financial journey is more than a list of goals—it’s about becoming the person you envision.

By leading with intention, you’ll build a financial future rooted in meaning, not just metrics.

Angela’s coaching can help you create a personalized financial plan aligned with your unique values and vision.


Listen Now and take the first step toward creating a financial life that inspires you in 2025!


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence

Hosted on Acast. See acast.com/privacy for more information.

]]> As we approach a new year, it’s easy to get caught up in traditional goal-setting—but what if there’s a better way? In this episode of Your Credit Today, Angela Setters Bessard challenges you to rethink your approach by focusing on financial intentions rather than rigid goals. Intentions tap into your deeper “why,” keeping you motivated and inspired—even when life throws curveballs.


What You’ll Learn:

Intentions vs. Goals: Discover why setting financial intentions is more effective than traditional goal-setting. Learn how to connect your financial vision to what matters most to you.

Vision-Building Exercises: Write a letter from your “future self” in 2025, describing your financial success, and reverse-engineer the steps needed to get there.

Intentional Debt & Savings Plans: Find out how shifting your mindset can make paying down debt or saving money feel purposeful and rewarding.

Monthly ‘Intention Check’: Stay on track with monthly check-ins that help you adjust your financial actions while keeping your long-term vision in focus.


Key Takeaways:

Your financial journey is more than a list of goals—it’s about becoming the person you envision.

By leading with intention, you’ll build a financial future rooted in meaning, not just metrics.

Angela’s coaching can help you create a personalized financial plan aligned with your unique values and vision.


Listen Now and take the first step toward creating a financial life that inspires you in 2025!


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


If you found this episode helpful, save it, share it, and don’t forget to subscribe for more empowering conversations about building credit, wealth, and financial confidence

Hosted on Acast. See acast.com/privacy for more information.

]]> Mind Over Money Mind Over Money Sun, 01 Dec 2024 12:00:40 GMT 19:07 6749346ba8c6690faa3024ae false https://shows.acast.com/your-credit-today/episodes/6749346ba8c6690faa3024ae 6749346ba8c6690faa3024ae 647fb4675ac7e90011bbf009 How to Overcome Financial Fear and Trauma full 4 23 As 2024 comes to a close, Angela Setters Bessard takes a deep dive into the emotional side of money, uncovering how past experiences, fears, and financial trauma influence our financial behaviors today. In this episode, Angela shares actionable tips and powerful insights to help you shift your mindset around money and credit, empowering you to start the new year with confidence and financial clarity. Don't miss this opportunity to take control of your financial future!


  • The Emotional Side of Money: Angela delves into how past financial struggles and emotional trauma can shape current financial behaviors. She explores how many people associate money with fear and anxiety, stemming from experiences of financial hardship or even generational patterns.


  • Recognizing and Changing Financial Patterns: Angela highlights common financial habits, like avoidance of budgeting, fear of tracking expenses, and overspending, showing how to recognize and break these patterns. She emphasizes practical tools, like tracking expenses visually (even on a whiteboard), to help individuals become more conscious of their spending.


  • Building Financial Confidence Through Mindset Shifts: Angela provides strategies for reframing financial setbacks as growth opportunities, teaching listeners to view their financial journey as one of empowerment. By setting small, achievable goals, she encourages her audience to rebuild confidence step-by-step.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/

Hosted on Acast. See acast.com/privacy for more information.

]]> As 2024 comes to a close, Angela Setters Bessard takes a deep dive into the emotional side of money, uncovering how past experiences, fears, and financial trauma influence our financial behaviors today. In this episode, Angela shares actionable tips and powerful insights to help you shift your mindset around money and credit, empowering you to start the new year with confidence and financial clarity. Don't miss this opportunity to take control of your financial future!


  • The Emotional Side of Money: Angela delves into how past financial struggles and emotional trauma can shape current financial behaviors. She explores how many people associate money with fear and anxiety, stemming from experiences of financial hardship or even generational patterns.


  • Recognizing and Changing Financial Patterns: Angela highlights common financial habits, like avoidance of budgeting, fear of tracking expenses, and overspending, showing how to recognize and break these patterns. She emphasizes practical tools, like tracking expenses visually (even on a whiteboard), to help individuals become more conscious of their spending.


  • Building Financial Confidence Through Mindset Shifts: Angela provides strategies for reframing financial setbacks as growth opportunities, teaching listeners to view their financial journey as one of empowerment. By setting small, achievable goals, she encourages her audience to rebuild confidence step-by-step.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/

Hosted on Acast. See acast.com/privacy for more information.

]]> Credit Wellness Credit Wellness Sun, 24 Nov 2024 15:00:01 GMT 28:27 6741eb92ec8584434f20b2a0 false https://shows.acast.com/your-credit-today/episodes/6741eb92ec8584434f20b2a0 6741eb92ec8584434f20b2a0 647fb4675ac7e90011bbf009 Your Key to Financial Freedom full 4 22 In this episode, Angela Setters Bessard reveals how mastering credit wellness can be a game-changer for achieving financial freedom. She shares key insights and practical steps to empower listeners to take control of their credit health.


  • Breakdown of credit score components: debt-to-credit ratio, payment history, and credit mix.
  • Common credit pitfalls to avoid, like maxing out cards and missing payments.
  • Proactive tips for managing and improving your credit score.
  • Long-term benefits of strong credit health for personal and financial goals.
  • Encouragement to view credit as a powerful asset for financial security.


Gain the knowledge to confidently use credit as a tool to reach your financial goals!


If you're looking for a speaker to bring Creducation to your organization, don't hesitate to get in touch! I'm here to help you take charge of your credit journey and make empowered choices for a secure financial future.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode, Angela Setters Bessard reveals how mastering credit wellness can be a game-changer for achieving financial freedom. She shares key insights and practical steps to empower listeners to take control of their credit health.


  • Breakdown of credit score components: debt-to-credit ratio, payment history, and credit mix.
  • Common credit pitfalls to avoid, like maxing out cards and missing payments.
  • Proactive tips for managing and improving your credit score.
  • Long-term benefits of strong credit health for personal and financial goals.
  • Encouragement to view credit as a powerful asset for financial security.


Gain the knowledge to confidently use credit as a tool to reach your financial goals!


If you're looking for a speaker to bring Creducation to your organization, don't hesitate to get in touch! I'm here to help you take charge of your credit journey and make empowered choices for a secure financial future.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/


Hosted on Acast. See acast.com/privacy for more information.

]]> Financial Healing for the Holidays Financial Healing for the Holidays Sat, 23 Nov 2024 14:48:26 GMT 27:06 673a1999791b5531c003b1ae false https://shows.acast.com/your-credit-today/episodes/673a1999791b5531c003b1ae 673a1999791b5531c003b1ae 647fb4675ac7e90011bbf009 How to Enjoy the Season Without Breaking the Bank full 4 21 In this episode, Angela Setters Bessard offers invaluable advice on managing finances during the holiday season without sacrificing joy or peace. She shares practical tips to help listeners stay financially grounded while creating meaningful holiday experiences.


  • Setting holiday spending goals: The importance of planning ahead to avoid last-minute financial stress.
  • Embracing mindful gift-giving: How creative, heartfelt gifts can reduce spending while bringing deeper meaning.
  • Avoiding impulse buys: Tips for resisting holiday sales and setting spending boundaries.
  • Post-holiday recovery strategies: How to plan for financial recovery in the new year, including budgeting tips and debt management.
  • Angela’s encouragement to make the holiday season financially fulfilling without overspending.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode, Angela Setters Bessard offers invaluable advice on managing finances during the holiday season without sacrificing joy or peace. She shares practical tips to help listeners stay financially grounded while creating meaningful holiday experiences.


  • Setting holiday spending goals: The importance of planning ahead to avoid last-minute financial stress.
  • Embracing mindful gift-giving: How creative, heartfelt gifts can reduce spending while bringing deeper meaning.
  • Avoiding impulse buys: Tips for resisting holiday sales and setting spending boundaries.
  • Post-holiday recovery strategies: How to plan for financial recovery in the new year, including budgeting tips and debt management.
  • Angela’s encouragement to make the holiday season financially fulfilling without overspending.


Thank you for listening to Your Credit Today! If you haven’t subscribed yet, make sure to hit that button, and share this episode with friends and family who want a financially peaceful holiday season. For personalized financial coaching, reach out by emailing me at Angelas@conquercredit.com or visiting angelabessard.com. And if your organization could use some financial wellness training, don’t hesitate to contact me—I’d love to help you and your team enjoy a stress-free holiday season!


https://angelabessard.com/contact/

https://www.instagram.com/realcreditqueen/

https://www.linkedin.com/in/angela-setters-bessard/

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Kids and Credit! Let's Talk About It!]]> Mon, 23 Sep 2024 00:08:06 GMT 24:51 66f0b16516e52a7982ca2ebc false https://shows.acast.com/your-credit-today/episodes/66f0b16516e52a7982ca2ebc 66f0b16516e52a7982ca2ebc 647fb4675ac7e90011bbf009 full 4 20 Angela Setters-Bessard, The Real Credit Queen, dives deep into equipping teens with financial literacy. Learn strategies to teach your kids about bank accounts, managing credit, and avoiding debt pitfalls. Discover the benefits of authorized user status, secured and student credit cards, and the pros and cons of co-signing. Angela also shares practical tips on paying bills on time and using credit responsibly. This episode is filled with actionable advice to set your kids up for a successful financial future. Don't miss her expert insights!


Timestamp Summary

1:00 Teaching Teens Financial Literacy and Credit Management

4:00 Bank Accounts and Credit Cards

7:00 Teaching Financial Literacy to Prepare Kids for the Real World

9:00 Building Credit Through Authorized User Status and Responsible Practices

12:00 Empowering Teens with Credit Responsibility

15:00 Financial Literacy with Credit Cards

18:00 Debt and Credit Card Misconceptions

19:00 Benefits of Co-Signing for Loans

22:00 Responsibility

24:00 Teaching Financial Literacy to Future Generations


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela Setters-Bessard, The Real Credit Queen, dives deep into equipping teens with financial literacy. Learn strategies to teach your kids about bank accounts, managing credit, and avoiding debt pitfalls. Discover the benefits of authorized user status, secured and student credit cards, and the pros and cons of co-signing. Angela also shares practical tips on paying bills on time and using credit responsibly. This episode is filled with actionable advice to set your kids up for a successful financial future. Don't miss her expert insights!


Timestamp Summary

1:00 Teaching Teens Financial Literacy and Credit Management

4:00 Bank Accounts and Credit Cards

7:00 Teaching Financial Literacy to Prepare Kids for the Real World

9:00 Building Credit Through Authorized User Status and Responsible Practices

12:00 Empowering Teens with Credit Responsibility

15:00 Financial Literacy with Credit Cards

18:00 Debt and Credit Card Misconceptions

19:00 Benefits of Co-Signing for Loans

22:00 Responsibility

24:00 Teaching Financial Literacy to Future Generations


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> What! A collection from my car lease/loan? Impossible! What! A collection from my car lease/loan? Impossible! Mon, 16 Sep 2024 00:25:57 GMT 29:08 66e77b162e655d10444ee49e false https://shows.acast.com/your-credit-today/episodes/66e77b162e655d10444ee49e 66e77b162e655d10444ee49e 647fb4675ac7e90011bbf009 full 4 19 The Real Credit Queen, Angela Setters-Bessard leaves out no details this week on why it's so crucial to understand credit and budgeting when you’re up for a big purchase like a car.

This episode isn’t just about credit scores. Angela covers the whole picture of financial prep, the traps to avoid, and some smart budgeting hacks. She chats about key things like how your credit score affects car loan interest rates, why you might need gap insurance, and the sneaky fees that can come with car servicing and insurance.

Angela uses real-life client stories and examples to drive home the need for solid financial planning. From explaining why the 70/30 debt ratio matters to warning about potential pitfalls like insurance lapses and lease return fees, she’s got practical tips and actionable advice. Angela’s mission? Simple: to guide you in making choices that will keep your credit and financial future safe.


1:00 Essential Tips for Leasing or Purchasing a Car

3:00 Budgeting and Credit Score Tips for Car Purchases

8:00 The Importance of Gap Insurance When Financing a Car

16:00 Essential Steps for Returning a Leased Car

19:00 The Importance of Monitoring Insurance Payments and Bank Statements

22:00 Essential Steps for Young Drivers After an Accident

23:00 Car Lease Extension Troubles During COVID

26:00 Budgeting and Pitfalls in Leasing or Purchasing a Car


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> The Real Credit Queen, Angela Setters-Bessard leaves out no details this week on why it's so crucial to understand credit and budgeting when you’re up for a big purchase like a car.

This episode isn’t just about credit scores. Angela covers the whole picture of financial prep, the traps to avoid, and some smart budgeting hacks. She chats about key things like how your credit score affects car loan interest rates, why you might need gap insurance, and the sneaky fees that can come with car servicing and insurance.

Angela uses real-life client stories and examples to drive home the need for solid financial planning. From explaining why the 70/30 debt ratio matters to warning about potential pitfalls like insurance lapses and lease return fees, she’s got practical tips and actionable advice. Angela’s mission? Simple: to guide you in making choices that will keep your credit and financial future safe.


1:00 Essential Tips for Leasing or Purchasing a Car

3:00 Budgeting and Credit Score Tips for Car Purchases

8:00 The Importance of Gap Insurance When Financing a Car

16:00 Essential Steps for Returning a Leased Car

19:00 The Importance of Monitoring Insurance Payments and Bank Statements

22:00 Essential Steps for Young Drivers After an Accident

23:00 Car Lease Extension Troubles During COVID

26:00 Budgeting and Pitfalls in Leasing or Purchasing a Car


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Why you want to work with Conquer Credit Management - Part 2 Why you want to work with Conquer Credit Management - Part 2 Mon, 09 Sep 2024 04:12:18 GMT 22:07 66de75a3e3cb6d8da95f9770 false https://shows.acast.com/your-credit-today/episodes/66de75a3e3cb6d8da95f9770 66de75a3e3cb6d8da95f9770 647fb4675ac7e90011bbf009 full 4 18 The team sheds light on how they provide personalized credit management, focusing on building relationships and creating impactful experiences that lead to long-term results. Learn about their commitment to customer service, education, and the meticulous process they follow to ensure every client feels empowered and informed.

This episode highlights how they create tailored strategies for individual clients based on their specific needs and credit histories. They also discuss the distinction between their company and typical credit repair services, focusing on credit education and management to empower clients for long-term success. Holistically the team is committed to achieve the best possible outcomes for their clients.

If you're seeking credit advice and management tips, don't miss out on this insightful discussion.

00:00 Client experiences drive referrals; no advertising needed.

05:04 Focus on relationships, not just customer service.

06:44 Always available to help with credit questions.

12:24 Empowering clients through credit education

14:34 Committing fully to each client, debt management process.

16:46 Customized credit management tailored to individual needs

19:56 Persist despite repeated setbacks to achieve success.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> The team sheds light on how they provide personalized credit management, focusing on building relationships and creating impactful experiences that lead to long-term results. Learn about their commitment to customer service, education, and the meticulous process they follow to ensure every client feels empowered and informed.

This episode highlights how they create tailored strategies for individual clients based on their specific needs and credit histories. They also discuss the distinction between their company and typical credit repair services, focusing on credit education and management to empower clients for long-term success. Holistically the team is committed to achieve the best possible outcomes for their clients.

If you're seeking credit advice and management tips, don't miss out on this insightful discussion.

00:00 Client experiences drive referrals; no advertising needed.

05:04 Focus on relationships, not just customer service.

06:44 Always available to help with credit questions.

12:24 Empowering clients through credit education

14:34 Committing fully to each client, debt management process.

16:46 Customized credit management tailored to individual needs

19:56 Persist despite repeated setbacks to achieve success.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Why you want to work with Conquer Credit Management - Part 1 Why you want to work with Conquer Credit Management - Part 1 Mon, 02 Sep 2024 00:34:49 GMT 27:08 66d5082a4c501f5496c42fe5 false https://shows.acast.com/your-credit-today/episodes/66d5082a4c501f5496c42fe5 66d5082a4c501f5496c42fe5 647fb4675ac7e90011bbf009 full 4 17 There are so many moving parts to credit and finances - do you understand AND manage your credit effectively?

The Real Credit Queen, Angela Setters-Bessard is joined by team members Samantha Headlee, Operations and Client Experience Manager at CCMI, and her partner in business and life - Chief Financial Officer, Founder, and husband, Ralph Bessard. They share their passionate commitment to empowering people through credit management.

Conquer Credit Management provides you with with done-for-you credit service, strategy & expert coaching for sustainable long-lasting financial success. The team's enthusiasm to educate, support, and empower individuals in their credit management journey is a testament to their commitment.

When reaching out to Conquer Credit Management, individuals can expect a dedicated and empathetic approach, supported by a wealth of knowledge and a culture of service.

As their dedication and expertise shine through, it becomes clear that anyone seeking assistance with credit management will find a committed ally in their journey towards financial empowerment and success.


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> There are so many moving parts to credit and finances - do you understand AND manage your credit effectively?

The Real Credit Queen, Angela Setters-Bessard is joined by team members Samantha Headlee, Operations and Client Experience Manager at CCMI, and her partner in business and life - Chief Financial Officer, Founder, and husband, Ralph Bessard. They share their passionate commitment to empowering people through credit management.

Conquer Credit Management provides you with with done-for-you credit service, strategy & expert coaching for sustainable long-lasting financial success. The team's enthusiasm to educate, support, and empower individuals in their credit management journey is a testament to their commitment.

When reaching out to Conquer Credit Management, individuals can expect a dedicated and empathetic approach, supported by a wealth of knowledge and a culture of service.

As their dedication and expertise shine through, it becomes clear that anyone seeking assistance with credit management will find a committed ally in their journey towards financial empowerment and success.


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Protecting your Brand identity - Trademarking Your Business with Nicole Swartz of Sprout Law Protecting your Brand identity - Trademarking Your Business with Nicole Swartz of Sprout Law Mon, 26 Aug 2024 00:47:00 GMT 30:26 66cbd086ff5eaa8e1bfc27ab false https://shows.acast.com/your-credit-today/episodes/66cbd086ff5eaa8e1bfc27ab 66cbd086ff5eaa8e1bfc27ab 647fb4675ac7e90011bbf009 full 4 16 Ready to level up your business and protect your brand?

Attorney Nicole Swartz knows first hand why trademarks are essential for small businesses – she was running a thriving skincare brand. In two years her business went from a side hustle to a full time international company. One day, she woke up to a cease & desist letter, someone trademarked her brand. They owned the exclusive right to her business name and she couldn’t use it anymore.  She had to rebrand everything in 30 days… it was a nightmare!

Nicole became obsessed with trademarks: she didn’t want anyone else to lose their brand. She learned everything about them and realized she loved working with women to st art and grow their businesses. She sold the skincare brand and started her own law firm.  


What you'll learn in this episode:

  1. The nitty-gritty of getting a trademark – it's a whole world of rules and regulations, trust us!
  2. The scary implications of not trademarking your business – think legal and financial trouble, yikes!
  3. How having a trademark can make your brand look like a total boss and keep copycats at bay.
  4. The lowdown on enforcing your trademark rights – including the drama of cease and desist letters!
  5. The real deal on how trademarks can boost your business value and even be a money-making asset.

make sure to check out Nicole's company at sproutlaw.com and check out their celebrity trademark updates on Instagram at Sprout Law (https://www.instagram.com/sproutlaw/)


Wishing you all the success and trademark wins!


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Ready to level up your business and protect your brand?

Attorney Nicole Swartz knows first hand why trademarks are essential for small businesses – she was running a thriving skincare brand. In two years her business went from a side hustle to a full time international company. One day, she woke up to a cease & desist letter, someone trademarked her brand. They owned the exclusive right to her business name and she couldn’t use it anymore.  She had to rebrand everything in 30 days… it was a nightmare!

Nicole became obsessed with trademarks: she didn’t want anyone else to lose their brand. She learned everything about them and realized she loved working with women to st art and grow their businesses. She sold the skincare brand and started her own law firm.  


What you'll learn in this episode:

  1. The nitty-gritty of getting a trademark – it's a whole world of rules and regulations, trust us!
  2. The scary implications of not trademarking your business – think legal and financial trouble, yikes!
  3. How having a trademark can make your brand look like a total boss and keep copycats at bay.
  4. The lowdown on enforcing your trademark rights – including the drama of cease and desist letters!
  5. The real deal on how trademarks can boost your business value and even be a money-making asset.

make sure to check out Nicole's company at sproutlaw.com and check out their celebrity trademark updates on Instagram at Sprout Law (https://www.instagram.com/sproutlaw/)


Wishing you all the success and trademark wins!


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Collections - how to protect yourself, understand what you are paying and more! Collections - how to protect yourself, understand what you are paying and more! Mon, 12 Aug 2024 01:08:14 GMT 29:02 66b9607e8443e670a6bfe37a false https://shows.acast.com/your-credit-today/episodes/66b9607e8443e670a6bfe37a 66b9607e8443e670a6bfe37a 647fb4675ac7e90011bbf009 full 4 15 EEK! Did you get a collections call? Something unexpected on your credit report? We talk to people every day about collections!

Collection accounts stem from all sorts of unpaid bills, from medical and utility expenses to credit card debt. They can be managed internally or by third-party agencies, and knowing the difference is key when trying to sort things out.

When dealing with collection agencies, it's important to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you ever need to dispute a debt or negotiate a settlement, make sure to get everything in writing.

By staying informed, being proactive, and seeking professional advice when you need it, you've got this. With careful navigation and a plan, you'll be well on your way clearing your credit of collections.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> EEK! Did you get a collections call? Something unexpected on your credit report? We talk to people every day about collections!

Collection accounts stem from all sorts of unpaid bills, from medical and utility expenses to credit card debt. They can be managed internally or by third-party agencies, and knowing the difference is key when trying to sort things out.

When dealing with collection agencies, it's important to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you ever need to dispute a debt or negotiate a settlement, make sure to get everything in writing.

By staying informed, being proactive, and seeking professional advice when you need it, you've got this. With careful navigation and a plan, you'll be well on your way clearing your credit of collections.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Credit Score Modeling Demystified Credit Score Modeling Demystified Mon, 05 Aug 2024 00:30:24 GMT 30:50 66b014bd6038d9e0ea443a4e false https://shows.acast.com/your-credit-today/episodes/66b014bd6038d9e0ea443a4e 66b014bd6038d9e0ea443a4e 647fb4675ac7e90011bbf009 full 4 14 Ever wondered what makes or breaks your financial credit score? Your credit to debt ratio is the key, and how you tap into your credit limit. Balancing what you owe and how much you're using is key to keeping your score in check.


What about auto model credit scores? These scores zoom in on your car-related credit history. With credit unions in your corner, you might just secure that loan with some extra horsepower for negotiating a killer deal on your dream wheels.


By tuning into the different types of scores, understanding what brings up your score, you'll be on track for smoother rides towards better loan terms and financial empowerment.


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.


00:00 Credit scores vary by agency and region.

05:25 Banks report to different credit agencies, monitor.

08:37 Credit scores vary by reporting agency and use.

13:04 Check credit score, maintain good credit ratio.

16:34 Use credit card for regular monthly expenses.

21:39 Credit union recommended for easier auto loans.

24:01 FICO algorithm revolutionized credit evaluation in 1956.

29:09 Creducation aims to simplify credit systems.

Hosted on Acast. See acast.com/privacy for more information.

]]> Ever wondered what makes or breaks your financial credit score? Your credit to debt ratio is the key, and how you tap into your credit limit. Balancing what you owe and how much you're using is key to keeping your score in check.


What about auto model credit scores? These scores zoom in on your car-related credit history. With credit unions in your corner, you might just secure that loan with some extra horsepower for negotiating a killer deal on your dream wheels.


By tuning into the different types of scores, understanding what brings up your score, you'll be on track for smoother rides towards better loan terms and financial empowerment.


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.


If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.


00:00 Credit scores vary by agency and region.

05:25 Banks report to different credit agencies, monitor.

08:37 Credit scores vary by reporting agency and use.

13:04 Check credit score, maintain good credit ratio.

16:34 Use credit card for regular monthly expenses.

21:39 Credit union recommended for easier auto loans.

24:01 FICO algorithm revolutionized credit evaluation in 1956.

29:09 Creducation aims to simplify credit systems.

Hosted on Acast. See acast.com/privacy for more information.

]]> Why is there a LIEN on my home? Why is there a LIEN on my home? Mon, 29 Jul 2024 00:30:15 GMT 24:24 66a69f2230d20f0a5f6b8c36 false https://shows.acast.com/your-credit-today/episodes/66a69f2230d20f0a5f6b8c36 66a69f2230d20f0a5f6b8c36 647fb4675ac7e90011bbf009 full 4 13 What measures can individuals take to protect themselves in the event of a financial crisis or the passing of a spouse or partner?

The Real Credit Queen, Angela Setters Bassard explains the basics of property liens, and their impact on your property and your finances. This episode was inspired when a client needed advice - a young widow who was unaware of her husband's financial dealings which leading to complications with a lien on their property.

This episode explains the differences between various home loans, such as equity loans and HELOCs, and highlights the necessity of understanding the terms and obligations tied to these financial instruments.

This tough situation really highlights the need for an emergency plan to navigate financial uncertainties smoothly, and the value of having knowledgeable guides and consultants in financial matters.

It is so important to be prepared and to protect your assets like your home!

01:21 Upcoming Guest

01:54 Understanding Liens on Your Home

02:23 Client Case Study: Financial Challenges After Loss

04:28 The Importance of Financial Planning

07:42 Types of Home Loans and Liens

11:06 Navigating Second Mortgages and Foreclosures

19:12 Selling Your Property and Settling Liens


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> What measures can individuals take to protect themselves in the event of a financial crisis or the passing of a spouse or partner?

The Real Credit Queen, Angela Setters Bassard explains the basics of property liens, and their impact on your property and your finances. This episode was inspired when a client needed advice - a young widow who was unaware of her husband's financial dealings which leading to complications with a lien on their property.

This episode explains the differences between various home loans, such as equity loans and HELOCs, and highlights the necessity of understanding the terms and obligations tied to these financial instruments.

This tough situation really highlights the need for an emergency plan to navigate financial uncertainties smoothly, and the value of having knowledgeable guides and consultants in financial matters.

It is so important to be prepared and to protect your assets like your home!

01:21 Upcoming Guest

01:54 Understanding Liens on Your Home

02:23 Client Case Study: Financial Challenges After Loss

04:28 The Importance of Financial Planning

07:42 Types of Home Loans and Liens

11:06 Navigating Second Mortgages and Foreclosures

19:12 Selling Your Property and Settling Liens


Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Balance transfers: The Good, the Bad and The Ugly! Balance transfers: The Good, the Bad and The Ugly! Mon, 22 Jul 2024 00:00:00 GMT 22:34 669d878c23cc4523fd856581 false https://shows.acast.com/your-credit-today/episodes/669d878c23cc4523fd856581 669d878c23cc4523fd856581 647fb4675ac7e90011bbf009 full 4 12 Is that balance transfer offer a good idea?

In this episode of 'Your Credit Today,' your host The Real Credit Queen Angela Setters Bassard breaks down the topic of balance transfers. Angela addresses common concerns about whether balance transfers impact credit scores, including the potential negative and positive effects.


Angela stresses the importance of planning and budget management when using credit cards to avoid debt. This episode covers key strategies for minimizing negative impacts on credit scores and outlines the steps to effectively use 0% balance transfer offers to manage debt and improve financial health.


00:00 Introduction and Host Welcome

00:49 Understanding Balance Transfers

01:15 Planning and Budgeting with Credit Cards

03:55 The Importance of Credit Card Agreements

04:49 Introducing Creducation

05:28 Impact of Balance Transfers on Credit

13:26 Positive Impacts of Balance Transfers

16:08 Tips for Minimizing Negative Impacts

19:06 Monitoring and Managing Credit


**Practical Tips for Effective Balance Transfers**

- Develop a clear plan for repaying the balance within the 0% interest period.

- Regularly monitor your credit utilization and ensure your auto-pay settings are functioning correctly.

- Leverage your improved credit score for favorable financial opportunities.

**Your Credit Score: A Valuable Asset**

Bear in mind that your credit score is not merely a numerical value; it is a critical asset influencing your financial opportunities. Prudent credit management can unlock substantial benefits and opportunities.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Is that balance transfer offer a good idea?

In this episode of 'Your Credit Today,' your host The Real Credit Queen Angela Setters Bassard breaks down the topic of balance transfers. Angela addresses common concerns about whether balance transfers impact credit scores, including the potential negative and positive effects.


Angela stresses the importance of planning and budget management when using credit cards to avoid debt. This episode covers key strategies for minimizing negative impacts on credit scores and outlines the steps to effectively use 0% balance transfer offers to manage debt and improve financial health.


00:00 Introduction and Host Welcome

00:49 Understanding Balance Transfers

01:15 Planning and Budgeting with Credit Cards

03:55 The Importance of Credit Card Agreements

04:49 Introducing Creducation

05:28 Impact of Balance Transfers on Credit

13:26 Positive Impacts of Balance Transfers

16:08 Tips for Minimizing Negative Impacts

19:06 Monitoring and Managing Credit


**Practical Tips for Effective Balance Transfers**

- Develop a clear plan for repaying the balance within the 0% interest period.

- Regularly monitor your credit utilization and ensure your auto-pay settings are functioning correctly.

- Leverage your improved credit score for favorable financial opportunities.

**Your Credit Score: A Valuable Asset**

Bear in mind that your credit score is not merely a numerical value; it is a critical asset influencing your financial opportunities. Prudent credit management can unlock substantial benefits and opportunities.

Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.

If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

Hosted on Acast. See acast.com/privacy for more information.

]]> Planning, Saving, and Investing with Justin Krane Planning, Saving, and Investing with Justin Krane Mon, 15 Jul 2024 00:30:34 GMT 43:53 66944d99f94c7a925b14c9c3 false https://shows.acast.com/your-credit-today/episodes/66944d99f94c7a925b14c9c3 66944d99f94c7a925b14c9c3 647fb4675ac7e90011bbf009 full 4 11 This week's guest, Justin Krane, a certified financial planner professional, is the founder of Krane Financial Solutions. Known for his savvy, holistic approach to financial planning, he advises his clients on how to unite their money with their lives and businesses.

Justin shares insights about his personal and professional life, discussing his career path, family, and approach to financial planning.

This episode covers:

Teaching kids about money

The importance of automation in savings

Strategies for real estate investment

Balancing spending and saving

Overcoming financial challenges

Maintaining a grounded, humble approach to life and finances.

The episode winds down with a conversation about the significance of clarity, planning, and having the right support system to achieve financial goals.

04:16 Teaching Kids About Money

07:36 Leadership and Financial Education

09:55 Real Estate Investment Strategies

15:07 Automating Savings and Investments

18:51 Addressing Spending Problems

22:52 The True Cost of Daily Habits

23:47 Finding Joy in Small Luxuries

24:42 Balancing Spending and Saving

26:45 Inspirational Quotes and Their Meanings

30:09 Life's Turning Points and Inspirations

34:06 Entrepreneurial Challenges and Responsibilities

40:21 Final Thoughts and Advice

Hosted on Acast. See acast.com/privacy for more information.

]]> This week's guest, Justin Krane, a certified financial planner professional, is the founder of Krane Financial Solutions. Known for his savvy, holistic approach to financial planning, he advises his clients on how to unite their money with their lives and businesses.

Justin shares insights about his personal and professional life, discussing his career path, family, and approach to financial planning.

This episode covers:

Teaching kids about money

The importance of automation in savings

Strategies for real estate investment

Balancing spending and saving

Overcoming financial challenges

Maintaining a grounded, humble approach to life and finances.

The episode winds down with a conversation about the significance of clarity, planning, and having the right support system to achieve financial goals.

04:16 Teaching Kids About Money

07:36 Leadership and Financial Education

09:55 Real Estate Investment Strategies

15:07 Automating Savings and Investments

18:51 Addressing Spending Problems

22:52 The True Cost of Daily Habits

23:47 Finding Joy in Small Luxuries

24:42 Balancing Spending and Saving

26:45 Inspirational Quotes and Their Meanings

30:09 Life's Turning Points and Inspirations

34:06 Entrepreneurial Challenges and Responsibilities

40:21 Final Thoughts and Advice

Hosted on Acast. See acast.com/privacy for more information.

]]> What is the Difference between a Freeze and a Lock What is the Difference between a Freeze and a Lock Sun, 23 Jun 2024 23:30:51 GMT 20:30 6678683f3911fa0012001389 false https://shows.acast.com/your-credit-today/episodes/6678683f3911fa0012001389 6678683f3911fa0012001389 647fb4675ac7e90011bbf009 full 4 10 When you have questions about anything credit related, The Real Credit Queen, Angela Setters Bessard has the answers. This week she's taking the overwhelm out of locking and freezing your credit. This episode is going to answer every question you ever had about the process, why you would do it, and how it helps you.


Locking your credit and freezing your credit are similar concepts aimed at preventing unauthorized access to your credit report and thus protecting against identity theft, but they have some differences:

  1. Credit Freeze Federally Regulated and backed by the US Justice Department
  • Definition: A credit freeze restricts access to your credit report by potential creditors. When your credit is frozen, creditors cannot pull your credit report to open new accounts in your name.
  • Initiation: You can initiate a credit freeze with each of the four major credit bureaus (Equifax, Experian, TransUnion & Innovis) individually. You may (very rare) need to pay a fee depending on your state laws, although most states provide this service for free.
  • Process: You need to contact each credit bureau separately to freeze your credit, the 4 credit agencies are Experian, Trans Union, Equifax and Innovis. 
  1. Credit Lock Private Service provided by Private Companies:
  • Definition: A credit lock also prevents creditors from accessing your credit report to open new accounts, similar to a credit freeze accept that the credit agencies charge a fee for this service. 
  • Initiation: Credit locks are often offered by the credit bureaus themselves or by third-party services. They used to be more convenient to use than freezes because they could be activated or deactivated instantly online or through an app but now all agencies provide online access. 
  • Process: Unlike a credit freeze, the terms and conditions for credit locks can vary widely between providers. All of these providers charge fees.

Key Differences:

  • Activation and Deactivation: One is Free while the other requires a membership but both allow you to do everything online.
  • Cost: Credit freezes very rarely have fees associated with them depending on state laws and the circumstances under which you're requesting the freeze. Credit locks always come with costs, and fees are dependent on the provider and the services offered.
  • Legal Protection: Credit freezes are mandated by law and provide specific legal protections against identity theft, while credit locks are often marketed as a convenience and do not offer the same legal protections.


Hosted on Acast. See acast.com/privacy for more information.

]]> When you have questions about anything credit related, The Real Credit Queen, Angela Setters Bessard has the answers. This week she's taking the overwhelm out of locking and freezing your credit. This episode is going to answer every question you ever had about the process, why you would do it, and how it helps you.


Locking your credit and freezing your credit are similar concepts aimed at preventing unauthorized access to your credit report and thus protecting against identity theft, but they have some differences:

  1. Credit Freeze Federally Regulated and backed by the US Justice Department
  • Definition: A credit freeze restricts access to your credit report by potential creditors. When your credit is frozen, creditors cannot pull your credit report to open new accounts in your name.
  • Initiation: You can initiate a credit freeze with each of the four major credit bureaus (Equifax, Experian, TransUnion & Innovis) individually. You may (very rare) need to pay a fee depending on your state laws, although most states provide this service for free.
  • Process: You need to contact each credit bureau separately to freeze your credit, the 4 credit agencies are Experian, Trans Union, Equifax and Innovis. 
  1. Credit Lock Private Service provided by Private Companies:
  • Definition: A credit lock also prevents creditors from accessing your credit report to open new accounts, similar to a credit freeze accept that the credit agencies charge a fee for this service. 
  • Initiation: Credit locks are often offered by the credit bureaus themselves or by third-party services. They used to be more convenient to use than freezes because they could be activated or deactivated instantly online or through an app but now all agencies provide online access. 
  • Process: Unlike a credit freeze, the terms and conditions for credit locks can vary widely between providers. All of these providers charge fees.

Key Differences:

  • Activation and Deactivation: One is Free while the other requires a membership but both allow you to do everything online.
  • Cost: Credit freezes very rarely have fees associated with them depending on state laws and the circumstances under which you're requesting the freeze. Credit locks always come with costs, and fees are dependent on the provider and the services offered.
  • Legal Protection: Credit freezes are mandated by law and provide specific legal protections against identity theft, while credit locks are often marketed as a convenience and do not offer the same legal protections.


Hosted on Acast. See acast.com/privacy for more information.

]]> Creating a Legacy: Financial and Fashion Wisdom with Jhoanna Alba Creating a Legacy: Financial and Fashion Wisdom with Jhoanna Alba Sun, 16 Jun 2024 20:01:15 GMT 38:47 666f448d22cd57001260a5bc false https://shows.acast.com/your-credit-today/episodes/666f448d22cd57001260a5bc 666f448d22cd57001260a5bc 647fb4675ac7e90011bbf009 full 4 9 Angela, The Real Credit Queen is with Jhoanna Alba, founder and chief fashion designer of ALBA, brings over 20 years of fashion expertise to creating signature looks for an elite clientele. Her designs interweave bold, colorful custom fabrics that showcase each client's unique personality and style.

She shares her journey of decades in the fashion industry, detailing how she broke into the business with the guidance of her mentor, Magic Johnson. Topics discussed include

Financial literacy

Starting a business as a young person

Overcoming challenges

The value of mentorship.

Jhoanna details the importance of maintaining good credit the need for financial education among youth, and practices she adopted to support her business and team. They discuss practical financial tips, the impact of social media on financial decisions, and the cultural importance of teaching the next generation about money management.

00:00 Introduction and Guest Welcome

00:52 Breaking into the Fashion World

01:49 Mentorship and Magic Johnson's Influence

04:13 Entrepreneurial Challenges and Successes

06:11 Team Building and Company Culture

09:18 Financial Literacy and Early Life Lessons 1

2:26 Teaching Financial Responsibility to the Next Generation

16:23 Coupons, Apps, and Financial Tips

20:06 The Impact of Social Media on Financial Discipline

21:22 Teaching Financial Responsibility at Home

22:35 Using Credit Wisely: Personal Experiences

23:02 Building a Business with Credit

23:52 Expanding into New Markets

27:11 The Importance of Mentorship and Resilience

31:39 Practical Financial Tips for Young Adults

36:28 Concluding Thoughts and Advice

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela, The Real Credit Queen is with Jhoanna Alba, founder and chief fashion designer of ALBA, brings over 20 years of fashion expertise to creating signature looks for an elite clientele. Her designs interweave bold, colorful custom fabrics that showcase each client's unique personality and style.

She shares her journey of decades in the fashion industry, detailing how she broke into the business with the guidance of her mentor, Magic Johnson. Topics discussed include

Financial literacy

Starting a business as a young person

Overcoming challenges

The value of mentorship.

Jhoanna details the importance of maintaining good credit the need for financial education among youth, and practices she adopted to support her business and team. They discuss practical financial tips, the impact of social media on financial decisions, and the cultural importance of teaching the next generation about money management.

00:00 Introduction and Guest Welcome

00:52 Breaking into the Fashion World

01:49 Mentorship and Magic Johnson's Influence

04:13 Entrepreneurial Challenges and Successes

06:11 Team Building and Company Culture

09:18 Financial Literacy and Early Life Lessons 1

2:26 Teaching Financial Responsibility to the Next Generation

16:23 Coupons, Apps, and Financial Tips

20:06 The Impact of Social Media on Financial Discipline

21:22 Teaching Financial Responsibility at Home

22:35 Using Credit Wisely: Personal Experiences

23:02 Building a Business with Credit

23:52 Expanding into New Markets

27:11 The Importance of Mentorship and Resilience

31:39 Practical Financial Tips for Young Adults

36:28 Concluding Thoughts and Advice

Hosted on Acast. See acast.com/privacy for more information.

]]> Teaching Financial Literacy to the Next Generation: Game Plan for Success Teaching Financial Literacy to the Next Generation: Game Plan for Success Sun, 09 Jun 2024 23:30:00 GMT 35:18 66654ad0db997d00125af460 false https://shows.acast.com/your-credit-today/episodes/66654ad0db997d00125af460 66654ad0db997d00125af460 647fb4675ac7e90011bbf009 full 4 8

How do you support your children to grow their financial literacy? The Real Credit Queen Angela is joined by her son Justin, an accomplished basketball athlete with a masters in business. They discuss financial literacy for young people and the importance of being business and financially savvy beyond the basics learned in school.

As successful as young athletes are in their sport, it's important to look beyond athletics for fulfillment and to diversify interests and efforts.

This episode covers

The importance of financial preparedness, including having savings for living expenses.

The negative perception of credit and the lack of financial literacy education in schools. It's important to use credit as a tool for building wealth, but it requires discipline and budgeting.

The influence of "flex" culture driven by social media and the lack of financial discipline and how to not overdo it financially.

The need to have a plan for the future including saving and and understanding credit and financial decisions.

With education, kids can be experts at disciplined, financial decision-making, and the impact these factors have on an individual's financial future when you take charge at a young age. It's never too early to grow your financial literacy!










Hosted on Acast. See acast.com/privacy for more information.

]]>

How do you support your children to grow their financial literacy? The Real Credit Queen Angela is joined by her son Justin, an accomplished basketball athlete with a masters in business. They discuss financial literacy for young people and the importance of being business and financially savvy beyond the basics learned in school.

As successful as young athletes are in their sport, it's important to look beyond athletics for fulfillment and to diversify interests and efforts.

This episode covers

The importance of financial preparedness, including having savings for living expenses.

The negative perception of credit and the lack of financial literacy education in schools. It's important to use credit as a tool for building wealth, but it requires discipline and budgeting.

The influence of "flex" culture driven by social media and the lack of financial discipline and how to not overdo it financially.

The need to have a plan for the future including saving and and understanding credit and financial decisions.

With education, kids can be experts at disciplined, financial decision-making, and the impact these factors have on an individual's financial future when you take charge at a young age. It's never too early to grow your financial literacy!










Hosted on Acast. See acast.com/privacy for more information.

]]> 31 Very Important Facts About your Credit Score and the Things that you Need to Know - Part 1 31 Very Important Facts About your Credit Score and the Things that you Need to Know - Part 1 Mon, 03 Jun 2024 00:00:01 GMT 25:03 665a3e22c48cc80012974591 false https://shows.acast.com/your-credit-today/episodes/665a3e22c48cc80012974591 665a3e22c48cc80012974591 647fb4675ac7e90011bbf009 full 4 7 People always ask - I don't really understand why credit is so important. Why do the banks and financial institutions need to know about my history?


There are so many reasons! This episode is one of several where Angela is discussing your credit and the reasons consistency and a good ongoing relationship with your credit history and credit score is so important.


This episode covers -

Payment history and how it impacts your credit score.

The different types of bankruptcy and their long term implications.

How to build credit history and how to maintain your accounts for the logevity that creditors are looking for.

Late payments and how they can impact your credit score and your credit options

And over all - navigating the credit landscape and how to maintain a strong credit score


Make sure to tune in for the next episodes where The Real Credit Queen Angela shares more about what you need to know about your credit score.

Hosted on Acast. See acast.com/privacy for more information.

]]> People always ask - I don't really understand why credit is so important. Why do the banks and financial institutions need to know about my history?


There are so many reasons! This episode is one of several where Angela is discussing your credit and the reasons consistency and a good ongoing relationship with your credit history and credit score is so important.


This episode covers -

Payment history and how it impacts your credit score.

The different types of bankruptcy and their long term implications.

How to build credit history and how to maintain your accounts for the logevity that creditors are looking for.

Late payments and how they can impact your credit score and your credit options

And over all - navigating the credit landscape and how to maintain a strong credit score


Make sure to tune in for the next episodes where The Real Credit Queen Angela shares more about what you need to know about your credit score.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Even the Who's Who in Sports, Entertainment and Music need guidance! With Matthew Hoffman ]]> Sun, 12 May 2024 23:00:01 GMT 38:56 6640fd23cede820013bb0e2c false https://shows.acast.com/your-credit-today/episodes/6640fd23cede820013bb0e2c 6640fd23cede820013bb0e2c 647fb4675ac7e90011bbf009 full 4 6 On Your Credit Today, The Real Credit Queen Angela Setters Bessard, is interviewing Matthew Hoffman, the founder of Trusted Advisor - the best platform for advisors with high profile entertainment, music and pro sports clients.

Trusted advisor is a platform that unites prominent business managers, artist managers, entertainment attorneys, wealth managers, family offices and other trusted professionals through an array of educational initiatives, exclusive meetups, and global summits to support athletes, entertainers executives and other personalities.

These clients, and their advisors, have unique needs from a technology, investment, cyber-security and risk perspective.

This episode covers

- Matthew's entrepreneurial background and lessons from earlier ventures

- The importance of financial literacy and investing early

- The value of networking events and the success of "Trusted Advisor"

- Building a platform to connect professionals in sports, entertainment, and music industries.

Matthew's venture expereince and advising A-listers teaches a lot about leadership, bouncing back from failure, and the magic of partnerships.

We dicussed the importance of tailored financial education for young high-earning talents (and really, for all of us!) and the need to build a positive networking environment.

Don't forget to subscribe and share this information. Thank you for tuning in!


Connect with Matthew here - https://trustedadvisor.la/

Hosted on Acast. See acast.com/privacy for more information.

]]> On Your Credit Today, The Real Credit Queen Angela Setters Bessard, is interviewing Matthew Hoffman, the founder of Trusted Advisor - the best platform for advisors with high profile entertainment, music and pro sports clients.

Trusted advisor is a platform that unites prominent business managers, artist managers, entertainment attorneys, wealth managers, family offices and other trusted professionals through an array of educational initiatives, exclusive meetups, and global summits to support athletes, entertainers executives and other personalities.

These clients, and their advisors, have unique needs from a technology, investment, cyber-security and risk perspective.

This episode covers

- Matthew's entrepreneurial background and lessons from earlier ventures

- The importance of financial literacy and investing early

- The value of networking events and the success of "Trusted Advisor"

- Building a platform to connect professionals in sports, entertainment, and music industries.

Matthew's venture expereince and advising A-listers teaches a lot about leadership, bouncing back from failure, and the magic of partnerships.

We dicussed the importance of tailored financial education for young high-earning talents (and really, for all of us!) and the need to build a positive networking environment.

Don't forget to subscribe and share this information. Thank you for tuning in!


Connect with Matthew here - https://trustedadvisor.la/

Hosted on Acast. See acast.com/privacy for more information.

]]> Cyber Security with Paul Paul Viollis Cyber Security with Paul Paul Viollis Sun, 05 May 2024 23:00:08 GMT 37:41 6638062421435d0012a08ed9 false https://shows.acast.com/your-credit-today/episodes/6638062421435d0012a08ed9 6638062421435d0012a08ed9 647fb4675ac7e90011bbf009 full 4 5 This week the Real Credit Queen. Angela Setters Bessard is joined by Paul Viollis - Global Business Leader, Accomplished Author and TV & Radio Personality.

For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of their respective vertical markets.

On his speaking tours, his hands on expertise in subject areas of behavioral analysis, leadership development, corporate espionage, extortion/stalking, cyber security, family protection, and workplace violence allows him to develop unforeseeable insights that will have you at the edge of your seat and captivate your audience.

From corporate executives and high profile individuals to private families and sales teams, each attendee will leave with a renewed sense of focus and re-energized with information that can be easily and expeditiously implemented.

In this episode we discuss -

- Paul's career from the New York County district attorney's office to his current work in intelligence.

- Online predators and the importance of protecting you and your loved ones

- Safeguarding personal information online

- Insights into the deep web and dark web

- The STAR method for making informed decisions and concluding advice from Paul

The biggest takeaway in this coversation with Paul is the need for safeguarding our identity online and staying vigilant for scams.

Paul's expertise in cybersecurity and behavioural analysis highlights the dangers of online predators and hackers. His insights into the dark web and the potential risks it poses have been eye-opening.

For parents and caretakers of children - We've also been reminded of the importance of being cautious and protective of our kids as they are engaged in online activities.

Don't forget to subscribe and share this information. Thank you for tuning in!

Contact Paul here - pv@viollis.com

https://viollis.com/

Telephone: (212) 315-0088

Hosted on Acast. See acast.com/privacy for more information.

]]> This week the Real Credit Queen. Angela Setters Bessard is joined by Paul Viollis - Global Business Leader, Accomplished Author and TV & Radio Personality.

For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of their respective vertical markets.

On his speaking tours, his hands on expertise in subject areas of behavioral analysis, leadership development, corporate espionage, extortion/stalking, cyber security, family protection, and workplace violence allows him to develop unforeseeable insights that will have you at the edge of your seat and captivate your audience.

From corporate executives and high profile individuals to private families and sales teams, each attendee will leave with a renewed sense of focus and re-energized with information that can be easily and expeditiously implemented.

In this episode we discuss -

- Paul's career from the New York County district attorney's office to his current work in intelligence.

- Online predators and the importance of protecting you and your loved ones

- Safeguarding personal information online

- Insights into the deep web and dark web

- The STAR method for making informed decisions and concluding advice from Paul

The biggest takeaway in this coversation with Paul is the need for safeguarding our identity online and staying vigilant for scams.

Paul's expertise in cybersecurity and behavioural analysis highlights the dangers of online predators and hackers. His insights into the dark web and the potential risks it poses have been eye-opening.

For parents and caretakers of children - We've also been reminded of the importance of being cautious and protective of our kids as they are engaged in online activities.

Don't forget to subscribe and share this information. Thank you for tuning in!

Contact Paul here - pv@viollis.com

https://viollis.com/

Telephone: (212) 315-0088

Hosted on Acast. See acast.com/privacy for more information.

]]> Identity Theft and how it happens PROTECT YOURSELF! Part 1 Identity Theft and how it happens PROTECT YOURSELF! Part 1 Sun, 28 Apr 2024 23:00:49 GMT 41:33 662e984a3922620013cd2df5 false https://shows.acast.com/your-credit-today/episodes/662e984a3922620013cd2df5 662e984a3922620013cd2df5 647fb4675ac7e90011bbf009 full 4 4 In this weeks episode we are discussing a subject that touches millions annually but is rarely discussed with the seriousness it deserves – identity theft.


It’s a topic that’s not only prevalent but also evolving, and it impacts personal finance and credit health in disasterous ways.


I’m thrilled to have the backbone of our operation at Conquer Credit Management, our Operations and Client Experience Manager, Samantha Headlee, joining us to share her knowledge and insight.


We're sharing our firsthand experiences and expert experience so we can equip you to protect your hard-earned credit.


00:51 The World of Identity Theft

04:51 Monitoring Your Credit

09:29 Real-Life Stories of Identity Theft and Lessons Learned

16:20 Protecting Yourself: Credit Locks, Freezes, and Fraud Alerts

19:46 The Importance of Including Your Phone Number on Fraud Alerts

21:01 Why You Should Avoid Making Statements on Your Credit Report

22:17 Identifying Red Flags for Possible Fraud

25:30 Understanding the Difference Between Soft and Hard Inquiries

28:48 Protecting Your Children's Credit from Identity Theft

31:19 Immediate Actions to Take When You're a Victim of Identity Theft

38:42 The Power of Persistence in Fighting Credit Injustice

Hosted on Acast. See acast.com/privacy for more information.

]]> In this weeks episode we are discussing a subject that touches millions annually but is rarely discussed with the seriousness it deserves – identity theft.


It’s a topic that’s not only prevalent but also evolving, and it impacts personal finance and credit health in disasterous ways.


I’m thrilled to have the backbone of our operation at Conquer Credit Management, our Operations and Client Experience Manager, Samantha Headlee, joining us to share her knowledge and insight.


We're sharing our firsthand experiences and expert experience so we can equip you to protect your hard-earned credit.


00:51 The World of Identity Theft

04:51 Monitoring Your Credit

09:29 Real-Life Stories of Identity Theft and Lessons Learned

16:20 Protecting Yourself: Credit Locks, Freezes, and Fraud Alerts

19:46 The Importance of Including Your Phone Number on Fraud Alerts

21:01 Why You Should Avoid Making Statements on Your Credit Report

22:17 Identifying Red Flags for Possible Fraud

25:30 Understanding the Difference Between Soft and Hard Inquiries

28:48 Protecting Your Children's Credit from Identity Theft

31:19 Immediate Actions to Take When You're a Victim of Identity Theft

38:42 The Power of Persistence in Fighting Credit Injustice

Hosted on Acast. See acast.com/privacy for more information.

]]> Business Building Strategies with Corporate Structure Guru AnGèle Cade Business Building Strategies with Corporate Structure Guru AnGèle Cade Sun, 21 Apr 2024 23:00:48 GMT 41:55 6622f9b00b12320012bd44d4 false https://shows.acast.com/your-credit-today/episodes/6622f9b00b12320012bd44d4 6622f9b00b12320012bd44d4 647fb4675ac7e90011bbf009 full 4 3 This week on 'Your Credit Today', the Real Credit Queen, Angela Setters Bessard is with guest AnGèle Cade, the CEO of Executive On the Go and a vision architect and business strategist. AnGèle helps passionate entrepreneurs honor their purpose and passion, while increasing their profits and validity all through the power of bulletproof business strategy and structure.

Now an entrepreneur for over 20 years, she recalls how going into business for herself was birthed out of failure. Her former employer ghosted his business and put everything she had worked for at risk. Her previous contacts started to reach out to her for support - she didn't realize that the culmination of experience and wisdom had gotten her to a place where the clients still wanted her to serve them.

This episode covers-

- The importance of separating personal and business finances to protect assets

- Understanding the distinctions between being an entrepreneur and an intrapreneur

- The impact of financial decisions on company valuation and retirement plans

- The significance of humility, teachability, and willingness to do the work for true business success

- The need for personalized financial and business structures and the importance of bringing in experts when dealing with complex financial structures and credit

Personal and business financial integrity are essential for safeguarding our legacies, and that proper planning and preparation are vital in navigating the complexities of entrepreneurship.

Success is not just about the end result, but also about the character, resilience, and ability to adapt and learn from failures along the way. As we've learned, personalized financial structures and the guidance of experts can make all the difference.

Let's take their wisdom to heart as we continue on our own journeys toward financial stability and business success. Thank you for joining us.

Be sure to like and subscribe for more empowering conversations with insightful industry leaders. And remember, our financial future is in our hands.

Connect with AnGèle here - https://angelecade.com/

Hosted on Acast. See acast.com/privacy for more information.

]]> This week on 'Your Credit Today', the Real Credit Queen, Angela Setters Bessard is with guest AnGèle Cade, the CEO of Executive On the Go and a vision architect and business strategist. AnGèle helps passionate entrepreneurs honor their purpose and passion, while increasing their profits and validity all through the power of bulletproof business strategy and structure.

Now an entrepreneur for over 20 years, she recalls how going into business for herself was birthed out of failure. Her former employer ghosted his business and put everything she had worked for at risk. Her previous contacts started to reach out to her for support - she didn't realize that the culmination of experience and wisdom had gotten her to a place where the clients still wanted her to serve them.

This episode covers-

- The importance of separating personal and business finances to protect assets

- Understanding the distinctions between being an entrepreneur and an intrapreneur

- The impact of financial decisions on company valuation and retirement plans

- The significance of humility, teachability, and willingness to do the work for true business success

- The need for personalized financial and business structures and the importance of bringing in experts when dealing with complex financial structures and credit

Personal and business financial integrity are essential for safeguarding our legacies, and that proper planning and preparation are vital in navigating the complexities of entrepreneurship.

Success is not just about the end result, but also about the character, resilience, and ability to adapt and learn from failures along the way. As we've learned, personalized financial structures and the guidance of experts can make all the difference.

Let's take their wisdom to heart as we continue on our own journeys toward financial stability and business success. Thank you for joining us.

Be sure to like and subscribe for more empowering conversations with insightful industry leaders. And remember, our financial future is in our hands.

Connect with AnGèle here - https://angelecade.com/

Hosted on Acast. See acast.com/privacy for more information.

]]> Superpower Los Angeles Attorney talks to The Real Credit Queen about Financial Infidelity Superpower Los Angeles Attorney talks to The Real Credit Queen about Financial Infidelity Mon, 15 Apr 2024 19:43:40 GMT 48:38 661d48c72d991d001608cd4a false https://shows.acast.com/your-credit-today/episodes/661d48c72d991d001608cd4a 661d48c72d991d001608cd4a 647fb4675ac7e90011bbf009 full 4 2

This week join Angela as she has a compelling conversation with Robbin Itkin, a Partner at Sklar Kirsh LLP - a business strategist and creative problem solver, financial restructuring specialist in all industries inside and outside of bankruptcy court and a certified mediator. They discuss the importance of understanding and managing one's finances, emphasizing the use of assets, the process of financial restructuring, mediation, and the concept of financial infidelity.


Robbin shares insights on her journey to becoming a lawyer, the significance of credibility, and maintaining relationships in both personal and professional contexts. They also both recognized the importance of open communication with creditors, learning and seeking advice for financial fitness, and ensuring the integrity and precision in legal advice.


The episode ends with Robbin offering a critical credit tip and sharing how listeners can reach her for further guidance. This conversation is educational and will inspire you to be informed, proactive, and responsible in your financial and legal affairs.


Contact Robbin here -

https://www.sklarkirsh.com/professionals/robbin-l-itkin


02:11 Introducing Attorney Robbin Itkin

02:27 Demystifying Assets and Financial Restructuring

05:37 The Journey to Becoming a Lawyer

09:07 The Power of Communication in Relationships

15:03 Unpacking Financial Infidelity and Fraud

18:59 The Importance of Financial Planning and Education

25:15 Embracing Financial Independence and Literacy

27:53 The Value of Trust and Verification in Financial Advice

28:45 Personal Financial Management: A Must for Everyone

29:10 Learning from Mistakes: The Importance of Financial Oversight

31:02 Credit Management and the Power of Knowledge

35:03 Mentorship and Continuous Learning in Finance

39:22 Advice for Staying Professionally Engaged

43:33 Becoming Financially Fit: Tips and Strategies

Hosted on Acast. See acast.com/privacy for more information.

]]>

This week join Angela as she has a compelling conversation with Robbin Itkin, a Partner at Sklar Kirsh LLP - a business strategist and creative problem solver, financial restructuring specialist in all industries inside and outside of bankruptcy court and a certified mediator. They discuss the importance of understanding and managing one's finances, emphasizing the use of assets, the process of financial restructuring, mediation, and the concept of financial infidelity.


Robbin shares insights on her journey to becoming a lawyer, the significance of credibility, and maintaining relationships in both personal and professional contexts. They also both recognized the importance of open communication with creditors, learning and seeking advice for financial fitness, and ensuring the integrity and precision in legal advice.


The episode ends with Robbin offering a critical credit tip and sharing how listeners can reach her for further guidance. This conversation is educational and will inspire you to be informed, proactive, and responsible in your financial and legal affairs.


Contact Robbin here -

https://www.sklarkirsh.com/professionals/robbin-l-itkin


02:11 Introducing Attorney Robbin Itkin

02:27 Demystifying Assets and Financial Restructuring

05:37 The Journey to Becoming a Lawyer

09:07 The Power of Communication in Relationships

15:03 Unpacking Financial Infidelity and Fraud

18:59 The Importance of Financial Planning and Education

25:15 Embracing Financial Independence and Literacy

27:53 The Value of Trust and Verification in Financial Advice

28:45 Personal Financial Management: A Must for Everyone

29:10 Learning from Mistakes: The Importance of Financial Oversight

31:02 Credit Management and the Power of Knowledge

35:03 Mentorship and Continuous Learning in Finance

39:22 Advice for Staying Professionally Engaged

43:33 Becoming Financially Fit: Tips and Strategies

Hosted on Acast. See acast.com/privacy for more information.

]]> Becoming an Authorized User Becoming an Authorized User Mon, 01 Jan 2024 16:00:00 GMT 15:48 6546fa38c9f8f80011894376 false https://feeds.podcastle.ai/9e6b3cc9-0866-4d93-b334-cd6cf8e5b20a.rss 6546fa38c9f8f80011894376 647fb4675ac7e90011bbf009 Everything you need to know about what authorized users mean to the credit scoring system full 4 1

Hosted on Acast. See acast.com/privacy for more information.

]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> To Debt Or Not To Debt Or Not Fri, 18 Nov 2022 08:00:00 GMT 18:12 466f2cbb-d712-4f5d-8352-af4a390e8df4 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c58fb 647fb4675ac7e90011bbf009 full 3 87 In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.

What You Will Hear:

  • Turning up the frequency of love and gratitude
  • Holiday spending and debt
  • Planning and budgeting
  • Preparing ahead of time and advice on how to prepare
  • Planning to save
  • Planning for the future
  • Mental health
  • Emergency funds

Quotes:

“You're never too wealthy to use coupons.”

“When you get in the habit of making plans for things, then you're going to feel so much more peace and at rest.”

“You should have so much money put aside for your reoccurring expenditures, your mortgage, your rent your car payment, your insurance, whatever it is that you have that are fixed expenses, you should have at least six months to a year ahead of time put away.”

“You're never ever too broken to be fixed.”

“I care about your future, and more importantly, I care that you understand how to use your money and your credit as a tool to build wealth. 

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.

What You Will Hear:

  • Turning up the frequency of love and gratitude
  • Holiday spending and debt
  • Planning and budgeting
  • Preparing ahead of time and advice on how to prepare
  • Planning to save
  • Planning for the future
  • Mental health
  • Emergency funds

Quotes:

“You're never too wealthy to use coupons.”

“When you get in the habit of making plans for things, then you're going to feel so much more peace and at rest.”

“You should have so much money put aside for your reoccurring expenditures, your mortgage, your rent your car payment, your insurance, whatever it is that you have that are fixed expenses, you should have at least six months to a year ahead of time put away.”

“You're never ever too broken to be fixed.”

“I care about your future, and more importantly, I care that you understand how to use your money and your credit as a tool to build wealth. 

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Fighting For the Little Guy with Jacob Hippensteel Fighting For the Little Guy with Jacob Hippensteel Fri, 11 Nov 2022 10:00:00 GMT 39:30 76feb9c0-3889-4345-8e7c-c3648eb71bd4 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c58fc 647fb4675ac7e90011bbf009 full 3 86 Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.

For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.

What You Will Hear:

  • What inspired Jacob to be a lawyer
  • What a consumer attorney does
  • Common credit report errors and resolution issues
  • Customer service.  Credit report agencies customer vs consumer
  • Identity theft
  • What attracted Jacob to consumer law
  • Early financial literacy.  The envelope system
  • Best advice ever received.  Growth mindset
  • Becoming more financially fit.  Understanding budgeting and credit as tools
  • Shocking and concerning facts about credit disputes and scores
  • Advice for our youth

Quotes:

‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.” 

“As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”

“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”

“You can't do that. You can't use credit as a tool if you don't understand how it works.”

“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”

“It's important to make sure that the advice you're getting is real advice and that  you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.

Mentioned:

McCarthy Law

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.

For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.

What You Will Hear:

  • What inspired Jacob to be a lawyer
  • What a consumer attorney does
  • Common credit report errors and resolution issues
  • Customer service.  Credit report agencies customer vs consumer
  • Identity theft
  • What attracted Jacob to consumer law
  • Early financial literacy.  The envelope system
  • Best advice ever received.  Growth mindset
  • Becoming more financially fit.  Understanding budgeting and credit as tools
  • Shocking and concerning facts about credit disputes and scores
  • Advice for our youth

Quotes:

‘The whole system is set up in a way that they're not able to review the disputes, correct the errors and do what's right by the consumer.” 

“As unfortunate as it is, there I think everybody understands that we live in a pretty litigious society. I mean, everybody's gonna sue everybody for anything all the time…..but at the same time, there's not a lot that gets a big bank's attention outside of a lawsuit sometimes.”

“it's supposed to be hard when you're learning new things. When you're trying to grow it's supposed to be hard. That's the point. That's you growing.”

“You can't do that. You can't use credit as a tool if you don't understand how it works.”

“If you're looking at something and you don't like the way it works or you don't like the system that's in place you don't like how things are functioning, you can do something about it. There's ways to change these things.”

“It's important to make sure that the advice you're getting is real advice and that  you're not just going in circles because it's hard enough to get things fixed when you're doing it the right way.

Mentioned:

McCarthy Law

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> The Power of Credit with Sheishope.org founder Tisha Janigian The Power of Credit with Sheishope.org founder Tisha Janigian Fri, 04 Nov 2022 10:00:00 GMT 20:55 c389ee4b-e4cc-4695-9ba4-15b2b0fac121 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c58fd 647fb4675ac7e90011bbf009 full 3 85 Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause.

Notes:

  • Single mothers a hand up instead of a handout
  • sheishopela.org
  • determined to make a difference and fix the welfare system
  • My father told me to get into real estate to take my life to the next level.

Quotes:

"When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over"

"I realized our system is broken and there is a gap over poverty"

"I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing."

"We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."

Hosted on Acast. See acast.com/privacy for more information.

]]> Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause.

Notes:

  • Single mothers a hand up instead of a handout
  • sheishopela.org
  • determined to make a difference and fix the welfare system
  • My father told me to get into real estate to take my life to the next level.

Quotes:

"When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over"

"I realized our system is broken and there is a gap over poverty"

"I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing."

"We educate our moms with experts on things like financial and legal advice, job training and preparation, mind-body wellness, and peer support."

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[The New Mind of Money & Credit Part 2]]> Fri, 07 Oct 2022 12:00:00 GMT 35:44 44bf2b08-bc17-4c30-9954-159c066205f6 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c58fe 647fb4675ac7e90011bbf009 full 3 84 Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let’s dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit!

What You Will Hear:

  • Carrying cash
  • Protecting your future
  • The dangers of money apps
  • Paying attention, being curious and cautious
  • Social media influence, researching and fact checking
  • Credit cards and point systems 
  • Get educated
  • Leveraging your system
  • Time Shares

Quotes:

“We live in a digital economy that is ever growing with new ways to pay and spend.”

“Talk to me like I’m two.”

“With new levels come new evils.”

“Anything that you do in life that gains bountiful returns requires hard work.”

“Your credit is an investment tool to build wealth.”

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let’s dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit!

What You Will Hear:

  • Carrying cash
  • Protecting your future
  • The dangers of money apps
  • Paying attention, being curious and cautious
  • Social media influence, researching and fact checking
  • Credit cards and point systems 
  • Get educated
  • Leveraging your system
  • Time Shares

Quotes:

“We live in a digital economy that is ever growing with new ways to pay and spend.”

“Talk to me like I’m two.”

“With new levels come new evils.”

“Anything that you do in life that gains bountiful returns requires hard work.”

“Your credit is an investment tool to build wealth.”

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[The New Mind of Money & Credit]]> Fri, 30 Sep 2022 12:00:00 GMT 18:22 82549598-6b92-49ce-a7e0-abbff6868fe4 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c58ff 647fb4675ac7e90011bbf009 full 3 83 Angela guides you through the steps, tools, systems and implementation of a money management plan.  .

What You Will Hear:

  • Credit Cards
  • Making a plan step by step process
  • Simplifying your systems
  • Apps, online and easy access spending
  • Real money conversations with your kids
  • Tools needed to maintain good credit
  • Credit cards and spending limits
  • Taking control and preparing for the future

Quotes:

“If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.”

“Sit down and have money conversations with your kids.”

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela guides you through the steps, tools, systems and implementation of a money management plan.  .

What You Will Hear:

  • Credit Cards
  • Making a plan step by step process
  • Simplifying your systems
  • Apps, online and easy access spending
  • Real money conversations with your kids
  • Tools needed to maintain good credit
  • Credit cards and spending limits
  • Taking control and preparing for the future

Quotes:

“If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.”

“Sit down and have money conversations with your kids.”

Mentioned:

AngelaBessard.com

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> True Value with Owen Beiny True Value with Owen Beiny Fri, 23 Sep 2022 12:00:00 GMT 34:57 41bf855e-594a-4c53-a25b-d932fe5936e3 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5900 647fb4675ac7e90011bbf009 full 3 82 Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have.

  • Best advice received 
  • Value vs. money
  • Financial literacy and lack thereof
  • Ownes financial education
  • The evolution of credit cards
  • The importance of knowing the benefits of credit cards
  • Insurance Back Security
  • American Express
  • Passive income
  • Top 5 Credit Cards for each individual
  • American Express Rose Gold card

Quotes:

“don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.”

“Having money won't make you happy. Not having money will make you unhappy”.

“Money itself doesn't have the value.”

“That is the best attitude to have is to always have your hands open, prepared to give.”

“Being a millionaire, won't make you happy, but I'd like to find out the hard way. “

“Why are we teaching kids, how to do algebra and where to put commas in sentence? When they leave school and they enter the real world, what they actually need to know is how do they restore their own credit? How does the credit system work? How does the banking system work? How much taxes should they pay? Should they have an LLC, an S Corp, a C Corp and all of the real estate mortgages, helocs, none of the things that real humans, real adults need to know about, re they teaching.”

“There is not a single annual fee of a credit card in America today that is not easily, easily justified. If you understand the benefits of the card,”

Mentioned:

Pointspartner.com

Fly Free Academy

Instagram TikTok @thepointspartner

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have.

  • Best advice received 
  • Value vs. money
  • Financial literacy and lack thereof
  • Ownes financial education
  • The evolution of credit cards
  • The importance of knowing the benefits of credit cards
  • Insurance Back Security
  • American Express
  • Passive income
  • Top 5 Credit Cards for each individual
  • American Express Rose Gold card

Quotes:

“don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.”

“Having money won't make you happy. Not having money will make you unhappy”.

“Money itself doesn't have the value.”

“That is the best attitude to have is to always have your hands open, prepared to give.”

“Being a millionaire, won't make you happy, but I'd like to find out the hard way. “

“Why are we teaching kids, how to do algebra and where to put commas in sentence? When they leave school and they enter the real world, what they actually need to know is how do they restore their own credit? How does the credit system work? How does the banking system work? How much taxes should they pay? Should they have an LLC, an S Corp, a C Corp and all of the real estate mortgages, helocs, none of the things that real humans, real adults need to know about, re they teaching.”

“There is not a single annual fee of a credit card in America today that is not easily, easily justified. If you understand the benefits of the card,”

Mentioned:

Pointspartner.com

Fly Free Academy

Instagram TikTok @thepointspartner

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> The Advantage of Financial Literacy with Marlo Nicole The Advantage of Financial Literacy with Marlo Nicole Fri, 09 Sep 2022 12:00:00 GMT 26:12 655b584a-811b-4961-ae26-b50a40b2c1c0 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5901 647fb4675ac7e90011bbf009 full 3 81 Angela chats with bada-ass Marlo Nicole about her wit grit and steadfast hunger.

Marlo is a wine enthusiast, cannabis expert hospitality, founder, all around financial genius. When we speak about women and money, it's not just some clickety word real. For many years, women have been evolving in spaces one would never think of them to enter. And Marlo has done just that. She is a bad-ass we'll talk all about her wit grit and steadfast hunger.

What You Will Hear:

  • What inspired Marlo take on the world of entrepreneurship
  • Marlo’s love of helping others 
  • Cannabis
  • The power of words
  • Learning about credit and its importance at an early age
  • Entrepreneur vs Intrapreneur
  • Marlo’s motivation
  • Best advice: Using other people’s money (OPM)
  • The importance of financial literacy and education
  • Advice for parents

Quotes:

“For anybody in the world of being an entrepreneur, no becomes an opportunity for you to find the yes.”

“Words are like seeds and, you know, when we burst them out of our mouth they go into the earth, they germinate and they become something.”

“Your credit is an investment tool to build wealth.”

“I don't care if your kid says, mom, I don't want to hear it, dad. I don't want to hear it. You keep talking and don't shut up. They're listening.”


Mentioned:

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela chats with bada-ass Marlo Nicole about her wit grit and steadfast hunger.

Marlo is a wine enthusiast, cannabis expert hospitality, founder, all around financial genius. When we speak about women and money, it's not just some clickety word real. For many years, women have been evolving in spaces one would never think of them to enter. And Marlo has done just that. She is a bad-ass we'll talk all about her wit grit and steadfast hunger.

What You Will Hear:

  • What inspired Marlo take on the world of entrepreneurship
  • Marlo’s love of helping others 
  • Cannabis
  • The power of words
  • Learning about credit and its importance at an early age
  • Entrepreneur vs Intrapreneur
  • Marlo’s motivation
  • Best advice: Using other people’s money (OPM)
  • The importance of financial literacy and education
  • Advice for parents

Quotes:

“For anybody in the world of being an entrepreneur, no becomes an opportunity for you to find the yes.”

“Words are like seeds and, you know, when we burst them out of our mouth they go into the earth, they germinate and they become something.”

“Your credit is an investment tool to build wealth.”

“I don't care if your kid says, mom, I don't want to hear it, dad. I don't want to hear it. You keep talking and don't shut up. They're listening.”


Mentioned:

Angelas@conquercredit.com

I AM Music Group

Hosted on Acast. See acast.com/privacy for more information.

]]> Creating a Credit Plan Pt 2 Creating a Credit Plan Pt 2 Fri, 24 Jun 2022 12:00:00 GMT 33:09 5cf43db2-de3b-4f90-9a6a-3e32f4c7c64f false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5902 647fb4675ac7e90011bbf009 full 3 80

Hosted on Acast. See acast.com/privacy for more information.

]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> Creating a Credit Plan pt. 1 Creating a Credit Plan pt. 1 Fri, 13 May 2022 12:00:00 GMT 11:32 4fde450b-3712-48a0-b8cb-22eed3691b67 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5903 647fb4675ac7e90011bbf009 full 3 79 In this episode Angela talks about the importance of creating a credit plan.  Listen in to learn the do’s and don’t’s of  creating your credit plan.

What You Will Hear:

  • Overview of credit plan.
  • Credit cards.
  • The impact of interest.
  • Credit stacking.
  • Consumer credit vs. business credit.
  • Thinking outside of the box.
  • Starting a plan of action.

Quotes:

“People only think about what’s in front of them.”

“If you buy and hold property, you will absolutely have a return.”

“What I want to do is prepare you to have a credit plan so that you can be prosperous in the future.”

Mentioned:

Angelas@conquercredit.com

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode Angela talks about the importance of creating a credit plan.  Listen in to learn the do’s and don’t’s of  creating your credit plan.

What You Will Hear:

  • Overview of credit plan.
  • Credit cards.
  • The impact of interest.
  • Credit stacking.
  • Consumer credit vs. business credit.
  • Thinking outside of the box.
  • Starting a plan of action.

Quotes:

“People only think about what’s in front of them.”

“If you buy and hold property, you will absolutely have a return.”

“What I want to do is prepare you to have a credit plan so that you can be prosperous in the future.”

Mentioned:

Angelas@conquercredit.com

Hosted on Acast. See acast.com/privacy for more information.

]]> The Gift of Financial Literacy with Rodney Barnes The Gift of Financial Literacy with Rodney Barnes Fri, 06 May 2022 12:00:00 GMT 31:37 8801a7cd-d976-4e16-8968-32eb885acd25 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5904 647fb4675ac7e90011bbf009 full 3 78 When God gives you a gift you run with it like the wind and Rodney Barnes has truly tapped the sun when we talk about creative writing and producing.  He writes funny, serious, fantasy, and comics for all ages.  He is a super giver, a dad and entrepreneur, funny as heck, super connected and one of the kindest humans.  His class, kindness and never quit attitude are admirable.  He is sharp, a game-changer in the screenwriters world and the true meaning of a conqueror and friend.  Rodney is an American screenwriter and producer.  He has written and produced the Boondocks, My Wife and Kids, Everybody Hates Chris, Those Who Can, Marvel’s Runways, American Gods, Wu-Tang and American Saga and is currently an executive producer and writer on HBO’s Untitled Los Angels Lakers Drama.  Rodney has earned top honors for his work from Peabody Awards, American Film Institute, Writers Guild of America, BET Comedy Awards and NAACP Image Awards.

What You Will Hear:

  • Rodney’s  journey in to writing.
  • Pivotal Aha moments in Rodney’s life.
  • Rodney’s why in life.
  • Creating different revenue streams.
  • Thinking from your heart,  manifesting things in your life and self awareness.
  • Being honest with yourself. 
  • Learning patience through learning about credit.
  • Credit and behavioral patterns.
  • The gift of financial literacy and credit literacy.

Quotes:

“Writing from my heart instead of my head there’s a level of satisfaction that comes from my work.”

“I learned early on that if I have a number of things going on at one time, if one falls off I always have something keeping me moving forward.”

“Humility is the bridge to being a better person.”

“If your want doesn’t line up with your aptitude, that can bring a lot of heartache.”

“Your credit is an investment tool to build wealth.”


Mentioned:

Angelas@conquercredit.com

Damon Wayans

Devon Franklin


Hosted on Acast. See acast.com/privacy for more information.

]]> When God gives you a gift you run with it like the wind and Rodney Barnes has truly tapped the sun when we talk about creative writing and producing.  He writes funny, serious, fantasy, and comics for all ages.  He is a super giver, a dad and entrepreneur, funny as heck, super connected and one of the kindest humans.  His class, kindness and never quit attitude are admirable.  He is sharp, a game-changer in the screenwriters world and the true meaning of a conqueror and friend.  Rodney is an American screenwriter and producer.  He has written and produced the Boondocks, My Wife and Kids, Everybody Hates Chris, Those Who Can, Marvel’s Runways, American Gods, Wu-Tang and American Saga and is currently an executive producer and writer on HBO’s Untitled Los Angels Lakers Drama.  Rodney has earned top honors for his work from Peabody Awards, American Film Institute, Writers Guild of America, BET Comedy Awards and NAACP Image Awards.

What You Will Hear:

  • Rodney’s  journey in to writing.
  • Pivotal Aha moments in Rodney’s life.
  • Rodney’s why in life.
  • Creating different revenue streams.
  • Thinking from your heart,  manifesting things in your life and self awareness.
  • Being honest with yourself. 
  • Learning patience through learning about credit.
  • Credit and behavioral patterns.
  • The gift of financial literacy and credit literacy.

Quotes:

“Writing from my heart instead of my head there’s a level of satisfaction that comes from my work.”

“I learned early on that if I have a number of things going on at one time, if one falls off I always have something keeping me moving forward.”

“Humility is the bridge to being a better person.”

“If your want doesn’t line up with your aptitude, that can bring a lot of heartache.”

“Your credit is an investment tool to build wealth.”


Mentioned:

Angelas@conquercredit.com

Damon Wayans

Devon Franklin


Hosted on Acast. See acast.com/privacy for more information.

]]> All About Title with Kelly Corona All About Title with Kelly Corona Fri, 29 Apr 2022 12:00:00 GMT 35:18 1011bb50-b4ff-4c4d-9991-a838fff66391 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5905 647fb4675ac7e90011bbf009 full 1 77

Hosted on Acast. See acast.com/privacy for more information.

]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> Cable Bills: Don’t End Up In Collections Cable Bills: Don’t End Up In Collections Fri, 22 Apr 2022 12:00:00 GMT 17:40 807db292-5200-4449-a832-c28d1b6fa8cf false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5906 647fb4675ac7e90011bbf009 full 3 76 In this episode Angela explains everything you need to know about handling your cable bills when moving and how they can affect your credit.  

What You Will Hear:

  • Reporting public utilities on your credit report.
  • Instructions on how to handle moving. Returning equipment.
  • Old equipment and upgraded equipment.
  • Owning multi unit real estate.
  • The ending bill.
  • Collection companies.
  • Mid-west companies.

Quotes:

“Nobody actually buys their cable equipment.”

“In all situations you need to care about yourself and you need to care about your business.”

“The collection companies that actually collect for all of these cable companies are very, very  difficult to negotiate with.  A lot of these companies are not willing to delete this information.”


Mentioned:

Angelas@conquercredit.com

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode Angela explains everything you need to know about handling your cable bills when moving and how they can affect your credit.  

What You Will Hear:

  • Reporting public utilities on your credit report.
  • Instructions on how to handle moving. Returning equipment.
  • Old equipment and upgraded equipment.
  • Owning multi unit real estate.
  • The ending bill.
  • Collection companies.
  • Mid-west companies.

Quotes:

“Nobody actually buys their cable equipment.”

“In all situations you need to care about yourself and you need to care about your business.”

“The collection companies that actually collect for all of these cable companies are very, very  difficult to negotiate with.  A lot of these companies are not willing to delete this information.”


Mentioned:

Angelas@conquercredit.com

Hosted on Acast. See acast.com/privacy for more information.

]]> Understanding and Capturing Value with Troy Carter Understanding and Capturing Value with Troy Carter Fri, 15 Apr 2022 09:30:00 GMT 46:54 6f3ea6da-2446-4daf-9f3f-f276eac203d5 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5907 647fb4675ac7e90011bbf009 full 3 75 Troy Carter has managed the careers of some of the world's icons all the while being the best dad, husband leader and friend to so many.  Opening his home and heart for great causes to help heal our nation and of course, his big passion, changing the way digital music expands.  His class, experience and true grit are admirable. Troy is quick, sharp, a game changer and the true meaning of a conqueror and friend. Troy is the founder and CEO of Q&A, a technology and media company focused on powering the business of music via distribution, services and data analytics.  Formerly Troy was founder and CEO of Atom Factory where he rose to prominence nurturing the careers of global superstars including Lady Gaga and John Legend.  He most recently served at Spotify as its Global Head of Creator Services overseeing the company's growth strategy for artists and record labels.  In 2017 Troy was also named Entertainment Advisor to the Prince estate.  His interest in the intersection of technology and culture resulted in the formation of AF Square investments.  Early investments include Uber, Lyft, Dropbox, Spotify, Warby Parker, theSkimm, Blavity, Gimlet Media, Thrive Market, PlayVs, and FazeClan.

What You Will Hear:

  • What inspired Troy to take on the world of music.
  • Advice for 15 year old Troy Carter.
  • Early experience in the music industry.
  • Financial advice and becoming a real business man.
  • Troy’s Why and what keeps him motivated.
  • Fear of failure vs. field of possibilities.
  • Humility and Philanthropy.
  • Best advice received and best advice given.
  • Understanding and capturing value.
  • Financial literacy.  Access.
  • Changing financial awareness in America.
  • Understanding the credit system, compound interest and tech investing as platforms.
  • Financial PTSD: Getting past stigma and embarrassment around money.
  • Worthiness and survivor’s guilt.

Quotes:

“When you make some money from music, buy real estate.”

“My why is more of a why not.”

“What you do speaks so loud I can’t hear what you say.”

“As long as the cat is bigger than the shit you keep the cat” - Jimmy Iovine

“Showing up is 65% of the battle and most people don’t show up.”

“You can’t ask directions to a street you don’t know that exists.”

“The music industry has done a lot for me, but investments have done a way more in terms of platform.”

“Your credit is an investment tool to build wealth.”

“When you invest yourself in understanding how something works and how it can work for you there is so much you can do.”

Mentioned:

DJ Jazzy Jeff and Fresh Prince

Kenny Gamble Philadelphia International Records

Jimmy Iovine

The Atom Factory

Hosted on Acast. See acast.com/privacy for more information.

]]> Troy Carter has managed the careers of some of the world's icons all the while being the best dad, husband leader and friend to so many.  Opening his home and heart for great causes to help heal our nation and of course, his big passion, changing the way digital music expands.  His class, experience and true grit are admirable. Troy is quick, sharp, a game changer and the true meaning of a conqueror and friend. Troy is the founder and CEO of Q&A, a technology and media company focused on powering the business of music via distribution, services and data analytics.  Formerly Troy was founder and CEO of Atom Factory where he rose to prominence nurturing the careers of global superstars including Lady Gaga and John Legend.  He most recently served at Spotify as its Global Head of Creator Services overseeing the company's growth strategy for artists and record labels.  In 2017 Troy was also named Entertainment Advisor to the Prince estate.  His interest in the intersection of technology and culture resulted in the formation of AF Square investments.  Early investments include Uber, Lyft, Dropbox, Spotify, Warby Parker, theSkimm, Blavity, Gimlet Media, Thrive Market, PlayVs, and FazeClan.

What You Will Hear:

  • What inspired Troy to take on the world of music.
  • Advice for 15 year old Troy Carter.
  • Early experience in the music industry.
  • Financial advice and becoming a real business man.
  • Troy’s Why and what keeps him motivated.
  • Fear of failure vs. field of possibilities.
  • Humility and Philanthropy.
  • Best advice received and best advice given.
  • Understanding and capturing value.
  • Financial literacy.  Access.
  • Changing financial awareness in America.
  • Understanding the credit system, compound interest and tech investing as platforms.
  • Financial PTSD: Getting past stigma and embarrassment around money.
  • Worthiness and survivor’s guilt.

Quotes:

“When you make some money from music, buy real estate.”

“My why is more of a why not.”

“What you do speaks so loud I can’t hear what you say.”

“As long as the cat is bigger than the shit you keep the cat” - Jimmy Iovine

“Showing up is 65% of the battle and most people don’t show up.”

“You can’t ask directions to a street you don’t know that exists.”

“The music industry has done a lot for me, but investments have done a way more in terms of platform.”

“Your credit is an investment tool to build wealth.”

“When you invest yourself in understanding how something works and how it can work for you there is so much you can do.”

Mentioned:

DJ Jazzy Jeff and Fresh Prince

Kenny Gamble Philadelphia International Records

Jimmy Iovine

The Atom Factory

Hosted on Acast. See acast.com/privacy for more information.

]]> Building Generational Wealth with Adrienne Houghton Building Generational Wealth with Adrienne Houghton Fri, 08 Apr 2022 13:37:00 GMT 20:54 472ce615-1967-4c93-8db2-573ea7c750e0 false https://yourcredittoday.captivate.fm 647fb46dd2c79000113c5908 647fb4675ac7e90011bbf009 full 3 74 Adrienne Ballion Houghton is a daytime Emmy award-winning television host, acclaimed pop vocalist, lifestyle personality, producer, and founder of the faith-based jewelry brand and luxury fashion label La Voute.  Houghton co-hosts The Real, a one-hour daily talk show on Fox television stations that premiered in 2013 and made Houghton the first Latina daytime talk show host on English language television.  Throughout its 8 seasons, Houghton has offered the show’s engaged audience fresh points of view, youthful energy, and passion.  Along with her bold, diverse, and outspoken co-hosts, Houghton won a 2018 Daytime Emmy Award as Outstanding Entertainment Talkshow Host and a 2018 NAACP Image Award for Outstanding Talk Series.  Houghton launched her weekly Youtube series, All Things Adrienne, April 2018.  Serving as executive producer and fearlessly bridging viewers into her daily life through real conversations centered around her core values and relatable everyday topics.  From fashion and beauty to cooking and home decor to family and faith.  Since its launch, the channel has grown to over 1 million subscribers and has generated more than 100 million total views.  Extending her digital footprint into the fashion space, Houghton debuted the Facebook watch series, Wear It Well, in October 2019 aiming to provide women of all shapes and sizes tips for dressing confidently,  In each episode, Wear It Well challenges Houghton to style and dress a group of friends with diverse body types, guiding viewers along the way with a body positive approach to fashion and insight into finding wardrobe staples that are a perfect fit for anyone.  In November of 2018, Houghton released X1X1, an affordable jewelry brand inspired by signature pieces from her personal jewelry collection that have been passed down through generations of her family.

What You Will Hear:

  • Inspired by her hard-working mother and her immigrant, hard-working father.
  • Adrienne’s Why.
  • Creating generational wealth.
  • Teaching our children about finances.
  • Best advice ever received.
  • Self-discipline.  Saying no.
  • Perspective and goals.
  • One thing Adrienne never knew about credit that she now knows and thinks is important for our youth.
  • The importance of building credit, credit score, and being responsible with your credit


Quotes:

“Self-discipline is the greatest form of self-love.”

“Learning that it’s ok to say no and self-discipline go hand in hand.”

“What am I doing today that is going to benefit me tomorrow.”

“Never spend the money you don’t have.”

“You can have millions of dollars but no one trusts you if you have bad credit.”

“Credit is a risk assessor, and what it does is help  the bank understand what kind of risk you are.”


Mentioned:

The Real

La Voute

XIXI

Santorini, Greece

Hosted on Acast. See acast.com/privacy for more information.

]]> Adrienne Ballion Houghton is a daytime Emmy award-winning television host, acclaimed pop vocalist, lifestyle personality, producer, and founder of the faith-based jewelry brand and luxury fashion label La Voute.  Houghton co-hosts The Real, a one-hour daily talk show on Fox television stations that premiered in 2013 and made Houghton the first Latina daytime talk show host on English language television.  Throughout its 8 seasons, Houghton has offered the show’s engaged audience fresh points of view, youthful energy, and passion.  Along with her bold, diverse, and outspoken co-hosts, Houghton won a 2018 Daytime Emmy Award as Outstanding Entertainment Talkshow Host and a 2018 NAACP Image Award for Outstanding Talk Series.  Houghton launched her weekly Youtube series, All Things Adrienne, April 2018.  Serving as executive producer and fearlessly bridging viewers into her daily life through real conversations centered around her core values and relatable everyday topics.  From fashion and beauty to cooking and home decor to family and faith.  Since its launch, the channel has grown to over 1 million subscribers and has generated more than 100 million total views.  Extending her digital footprint into the fashion space, Houghton debuted the Facebook watch series, Wear It Well, in October 2019 aiming to provide women of all shapes and sizes tips for dressing confidently,  In each episode, Wear It Well challenges Houghton to style and dress a group of friends with diverse body types, guiding viewers along the way with a body positive approach to fashion and insight into finding wardrobe staples that are a perfect fit for anyone.  In November of 2018, Houghton released X1X1, an affordable jewelry brand inspired by signature pieces from her personal jewelry collection that have been passed down through generations of her family.

What You Will Hear:

  • Inspired by her hard-working mother and her immigrant, hard-working father.
  • Adrienne’s Why.
  • Creating generational wealth.
  • Teaching our children about finances.
  • Best advice ever received.
  • Self-discipline.  Saying no.
  • Perspective and goals.
  • One thing Adrienne never knew about credit that she now knows and thinks is important for our youth.
  • The importance of building credit, credit score, and being responsible with your credit


Quotes:

“Self-discipline is the greatest form of self-love.”

“Learning that it’s ok to say no and self-discipline go hand in hand.”

“What am I doing today that is going to benefit me tomorrow.”

“Never spend the money you don’t have.”

“You can have millions of dollars but no one trusts you if you have bad credit.”

“Credit is a risk assessor, and what it does is help  the bank understand what kind of risk you are.”


Mentioned:

The Real

La Voute

XIXI

Santorini, Greece

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[073 I did but now I don't - Did you marry someone's past credit history or divorce their bad habits and forget to check in?]]> Mon, 08 Mar 2021 13:00:00 GMT 16:34 969477f6-4dac-4bee-88cf-0624b91481a8 false https://anchor.fm/yourcredittoday/episodes/073-I-did-but-now-I-dont---Did-you-marry-someones-past-credit-history-or-divorce-their-bad-habits-and-forget-to-check-in-eunsfk 647fb46dd2c79000113c5909 647fb4675ac7e90011bbf009 full 73 73

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[072 Dude where's my car? Bumper to Bumper info on how buying or leasing a car details are important!]]> Mon, 01 Mar 2021 13:00:00 GMT 24:11 cc16454a-2478-4188-bc10-23e9531de859 false https://anchor.fm/yourcredittoday/episodes/072-Dude-wheres-my-car--Bumper-to-Bumper-info-on-how-buying-or-leasing-a-car-details-are-important-eunsed 647fb46dd2c79000113c590a 647fb4675ac7e90011bbf009 full 72 72

Hosted on Acast. See acast.com/privacy for more information.

]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 071 Can An Old Collection Hurt Me? 071 Can An Old Collection Hurt Me? Mon, 18 Jan 2021 18:00:00 GMT 15:54 2588f85e-faa1-46c1-a3c9-1fe8be6a9a1c false https://anchor.fm/yourcredittoday/episodes/071-Can-An-Old-Collection-Hurt-Me-esro6b 647fb46dd2c79000113c590b 647fb4675ac7e90011bbf009 full 2 71

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 070 Life Hacks #2 with my Kids 070 Life Hacks #2 with my Kids Mon, 11 Jan 2021 17:00:00 GMT 26:33 dc85d044-4d1e-4090-999d-dd4e67fec697 false https://anchor.fm/yourcredittoday/episodes/070-Life-Hacks-2-with-my-Kids-eq527v 647fb46dd2c79000113c590c 647fb4675ac7e90011bbf009 full 2 70

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 069 The Real Credit Queen talks to her babies 069 The Real Credit Queen talks to her babies Mon, 04 Jan 2021 18:00:00 GMT 31:28 70e70fe1-e861-4456-af08-6df088a2cbd1 false https://anchor.fm/yourcredittoday/episodes/069-The-Real-Credit-Queen-talks-to-her-babies-eph36u 647fb46dd2c79000113c590d 647fb4675ac7e90011bbf009 full 2 69 Kids and their Life Hacks #1

They say we should teach our kids, but how can we in a busy world with so many things to do.  I’ll tell you how! Schedule it! If you don’t schedule time to talk to your kids about training them up in the way they should go in the world someone else will, and it may not be the influencer you were thinking.  Our kids no matter how old they are need us to train them, mentor them and love them into positions of greatness especially when it comes to living life in the way that shoots the arrows towards success! Listen in as I talk to my son and sister about our 7 weeks of Life Hacking!

Hosted on Acast. See acast.com/privacy for more information.

]]> Kids and their Life Hacks #1

They say we should teach our kids, but how can we in a busy world with so many things to do.  I’ll tell you how! Schedule it! If you don’t schedule time to talk to your kids about training them up in the way they should go in the world someone else will, and it may not be the influencer you were thinking.  Our kids no matter how old they are need us to train them, mentor them and love them into positions of greatness especially when it comes to living life in the way that shoots the arrows towards success! Listen in as I talk to my son and sister about our 7 weeks of Life Hacking!

Hosted on Acast. See acast.com/privacy for more information.

]]> 068 Dear Credit Queen 068 Dear Credit Queen Mon, 30 Nov 2020 16:00:00 GMT 32:12 def68553-bb53-4119-b653-4df40fcb89b6 false https://anchor.fm/yourcredittoday/episodes/068-Dear-Credit-Queen-en517h 647fb46dd2c79000113c590e 647fb4675ac7e90011bbf009 full 2 68 The Credit Queen answers important questions from those that are struggling to find answers to their current credit predicament.

Hosted on Acast. See acast.com/privacy for more information.

]]> The Credit Queen answers important questions from those that are struggling to find answers to their current credit predicament.

Hosted on Acast. See acast.com/privacy for more information.

]]> 067 I have a collection now what? 067 I have a collection now what? Mon, 09 Nov 2020 20:00:00 GMT 35:45 601151f8-bf5b-4bc4-819e-347b1e14c322 false https://anchor.fm/yourcredittoday/episodes/067-I-have-a-collection-now-what-emtfel 647fb46dd2c79000113c590f 647fb4675ac7e90011bbf009 full 67 Angela and Samantha talk about how Collections can be avoided if you monitor your credit but even then collections happen.  Learn the tips and information need to combat the collection agencies and equip yourself with the knowledge to win and take action when it comes to navigating the collection world.

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela and Samantha talk about how Collections can be avoided if you monitor your credit but even then collections happen.  Learn the tips and information need to combat the collection agencies and equip yourself with the knowledge to win and take action when it comes to navigating the collection world.

Hosted on Acast. See acast.com/privacy for more information.

]]> 066 Why Monitoring Your Credit Rocks! 066 Why Monitoring Your Credit Rocks! Mon, 02 Nov 2020 16:00:00 GMT 24:10 a8c09c1e-91c0-43b9-aa51-6efbbbfcd00f false https://anchor.fm/yourcredittoday/episodes/066-Why-Monitoring-Your-Credit-Rocks-em7h2t 647fb46dd2c79000113c5910 647fb4675ac7e90011bbf009 full 66 Angela will teach listeners the important tricks, trends and alerts about the monitoring process and how to pay attention when it matters most!

Episode Outline: Monitoring your credit is a sure way to catch fraud and identity theft and protect your valuable asset! But what about the importance of managing your score and learning how your credit and score can stay bankable, learning the trends of your creditors and ultimately feeling good about knowing what to expect when you make your next purchase. When we take the time to learn why our credit is a valuable asset we will always win and stay ahead of the game!


Hosted on Acast. See acast.com/privacy for more information.

]]> Angela will teach listeners the important tricks, trends and alerts about the monitoring process and how to pay attention when it matters most!

Episode Outline: Monitoring your credit is a sure way to catch fraud and identity theft and protect your valuable asset! But what about the importance of managing your score and learning how your credit and score can stay bankable, learning the trends of your creditors and ultimately feeling good about knowing what to expect when you make your next purchase. When we take the time to learn why our credit is a valuable asset we will always win and stay ahead of the game!


Hosted on Acast. See acast.com/privacy for more information.

]]> 065 The Deferment Aftermath w special guest Sam Headlee 065 The Deferment Aftermath w special guest Sam Headlee Mon, 19 Oct 2020 19:00:00 GMT 18:08 ffde9675-cdef-458a-8d4f-601463dedb70 false https://anchor.fm/yourcredittoday/episodes/065-The-Deferment-Aftermath-w-special-guest-Sam-Headlee-el9etj 647fb46dd2c79000113c5911 647fb4675ac7e90011bbf009 full 1 65 The Real Credit Queen and special guest Sam Headlee go though examples of clients who are dealing with unexpected issues related to their payments and credit. 

Episode Outline: At the beginning of the stay at home order, many customers were looking for options to extend payments and reserve their cash for emergencies since they had lost jobs, contracts and business.  Many entered into different options to defer payments.  We discover and discuss just what those options were and what is happening now as we open the country back up. 

Hosted on Acast. See acast.com/privacy for more information.

]]> The Real Credit Queen and special guest Sam Headlee go though examples of clients who are dealing with unexpected issues related to their payments and credit. 

Episode Outline: At the beginning of the stay at home order, many customers were looking for options to extend payments and reserve their cash for emergencies since they had lost jobs, contracts and business.  Many entered into different options to defer payments.  We discover and discuss just what those options were and what is happening now as we open the country back up. 

Hosted on Acast. See acast.com/privacy for more information.

]]> 064 Medical Collections and What You Should Know 064 Medical Collections and What You Should Know Mon, 12 Oct 2020 16:00:00 GMT 25:38 aaac95ba-df2e-44ff-8a3a-e7e43e5384f8 false https://anchor.fm/yourcredittoday/episodes/064-Medical-Collections-and-What-You-Should-Know-ekr8bm 647fb46dd2c79000113c5912 647fb4675ac7e90011bbf009 full 1 64 You can avoid medical collections ending up on your credit report by negotiation ahead of time. Learn how to manage and navigate medical debt for success and saving your credit score!

What you will hear in this episode

1. When I am checking out of the doctors office or hospital

2. Do I understand my part to pay and my insurance

3. Understanding Cash Price versus insurance price

4. Setting up a payment plan in writing

Hosted on Acast. See acast.com/privacy for more information.

]]> You can avoid medical collections ending up on your credit report by negotiation ahead of time. Learn how to manage and navigate medical debt for success and saving your credit score!

What you will hear in this episode

1. When I am checking out of the doctors office or hospital

2. Do I understand my part to pay and my insurance

3. Understanding Cash Price versus insurance price

4. Setting up a payment plan in writing

Hosted on Acast. See acast.com/privacy for more information.

]]> 063 The Importance of Paying Attention to your Statements #2 with Sam Headlee 063 The Importance of Paying Attention to your Statements #2 with Sam Headlee Mon, 05 Oct 2020 19:00:00 GMT 33:02 748ca77f-abca-468d-b78c-f9b5e203e312 false https://anchor.fm/yourcredittoday/episodes/063-The-Importance-of-Paying-Attention-to-your-Statements-2-with-Sam-Headlee-ekjqqh 647fb46dd2c79000113c5913 647fb4675ac7e90011bbf009 full 2 63

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 062 The Importance of Paying Attention to your Statements #1 062 The Importance of Paying Attention to your Statements #1 Mon, 28 Sep 2020 19:00:00 GMT 30:34 2cb1b1bf-10e7-418e-a6ca-25ac309cea9d false https://anchor.fm/yourcredittoday/episodes/062-The-Importance-of-Paying-Attention-to-your-Statements-1-ekaeps 647fb46dd2c79000113c5914 647fb4675ac7e90011bbf009 full 2 62

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 061 Things you need to know about leasing or buying a car 061 Things you need to know about leasing or buying a car Mon, 21 Sep 2020 19:00:00 GMT 19:57 1da4c053-e6e8-4780-b593-ca673c3eb6d7 false https://anchor.fm/yourcredittoday/episodes/061-Things-you-need-to-know-about-leasing-or-buying-a-car-ejrck8 647fb46dd2c79000113c5915 647fb4675ac7e90011bbf009 full 2 61

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> 060 How to increase your credit score in no less than 60 days. 060 How to increase your credit score in no less than 60 days. Mon, 14 Sep 2020 19:00:00 GMT 15:16 9c80e31f-8f6f-40d7-939b-b7ef05618dca false https://anchor.fm/yourcredittoday/episodes/060-How-to-increase-your-credit-score-in-no-less-than-60-days-ejraok 647fb46dd2c79000113c5916 647fb4675ac7e90011bbf009 full 1 60

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> The Real Credit Queen speaks with her protege Sam Headlee The Real Credit Queen speaks with her protege Sam Headlee Mon, 07 Sep 2020 19:00:00 GMT 35:17 7c42a07a-227c-4e0b-8b99-009fa2284337 false https://anchor.fm/yourcredittoday/episodes/059-The-Real-Credit-Queen-speaks-with-her-protege-Sam-Headlee-eiu8sa 647fb46dd2c79000113c5917 647fb4675ac7e90011bbf009 full 2 60

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]]>

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela talks to Lisa Bruno with Bruno and Patterson CPA Angela talks to Lisa Bruno with Bruno and Patterson CPA Mon, 31 Aug 2020 19:00:00 GMT 28:25 4bb51899-caba-443f-9877-fd2a6b97582d false https://anchor.fm/yourcredittoday/episodes/058-Angela-talks-to-Lisa-Bruno-with-Bruno-and-Patterson-CPA-eithvj 647fb46dd2c79000113c5918 647fb4675ac7e90011bbf009 full 2 59 Angela talks about tax planning and life and leadership with Lisa Bruno from Bruno and Patterson

Bruno and Patterson CPA


https://www.bestcpaservices.com/


lisa@bestcpaservices.com


877-998-1040

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]]> Angela talks about tax planning and life and leadership with Lisa Bruno from Bruno and Patterson

Bruno and Patterson CPA


https://www.bestcpaservices.com/


lisa@bestcpaservices.com


877-998-1040

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela discusses Real Credit Restoration Coaching Ep. 1 Angela discusses Real Credit Restoration Coaching Ep. 1 Mon, 24 Aug 2020 19:00:00 GMT 34:08 427e2a72-4394-42d4-81e8-0b77a0373f7d false https://anchor.fm/yourcredittoday/episodes/057-Angela-discusses-Real-Credit-Restoration-Coaching-Ep--1-eiivhq 647fb46dd2c79000113c5919 647fb4675ac7e90011bbf009 full 2 58 How to get your credit in tip top shape. What to expect when hiring a company to repair your credit. The Real Credit Queen takes a deep dive into areas to which you should be privy if you are serious about repairing your credit.

Understanding the Credit Score System


  1. Length of Credit History
  2. Debt to Credit Ratio
  3. Payment History
  4. Address History
  5. Multiple Names
  6. New Credit
  7. Types of Credit
  8. Any Credit closed over 90 day period



Credit Bureaus


Monitoring


Identity Theft


Collections & Legal Judgements


Statute of Limitations


Types of Collections


Credit Card companies and late payments


Mortgage Late

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]]> How to get your credit in tip top shape. What to expect when hiring a company to repair your credit. The Real Credit Queen takes a deep dive into areas to which you should be privy if you are serious about repairing your credit.

Understanding the Credit Score System


  1. Length of Credit History
  2. Debt to Credit Ratio
  3. Payment History
  4. Address History
  5. Multiple Names
  6. New Credit
  7. Types of Credit
  8. Any Credit closed over 90 day period



Credit Bureaus


Monitoring


Identity Theft


Collections & Legal Judgements


Statute of Limitations


Types of Collections


Credit Card companies and late payments


Mortgage Late

Hosted on Acast. See acast.com/privacy for more information.

]]> Angela talks with I AM Music Group about life and business Angela talks with I AM Music Group about life and business Mon, 17 Aug 2020 19:00:00 GMT 40:08 8ce14e35-2c8a-4f13-b57f-d42aadee06ab false https://anchor.fm/yourcredittoday/episodes/056-Angela-talks-with-I-AM-Music-Group-about-life-and-business-eij0g3 647fb46dd2c79000113c591a 647fb4675ac7e90011bbf009 full 2 57

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]]>

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]]> Angela talks with AnGele Cade, CEO of Exec On The Go, about current small business market conditions Angela talks with AnGele Cade, CEO of Exec On The Go, about current small business market conditions Mon, 03 Aug 2020 19:00:00 GMT 46:16 b06aa76e-627d-4551-b54d-5116dafa1f22 false https://anchor.fm/yourcredittoday/episodes/057-Angela-talks-with-AnGele-Cade--CEO-of-Exec-On-The-Go--about-current-small-business-market-conditions-ehli7f 647fb46dd2c79000113c591b 647fb4675ac7e90011bbf009 full 2 56 Angele Cade, CEO of Exec on the go discusses growing your small business in the current market conditions with Angela.

AnGèle Cade


Exec On the Go


https://execonthego.com/

Hosted on Acast. See acast.com/privacy for more information.

]]> Angele Cade, CEO of Exec on the go discusses growing your small business in the current market conditions with Angela.

AnGèle Cade


Exec On the Go


https://execonthego.com/

Hosted on Acast. See acast.com/privacy for more information.

]]> 055 Christen Berman shares with The Real Credit Queen why insurance is an investment. 055 Christen Berman shares with The Real Credit Queen why insurance is an investment. Mon, 20 Jul 2020 19:00:00 GMT 27:31 25c67b93-4a31-463e-b497-e1caa574ea8a false https://anchor.fm/yourcredittoday/episodes/055-Christen-Berman-shares-with-The-Real-Credit-Queen-why-insurance-is-an-investment-eh2qlj 647fb46dd2c79000113c591c 647fb4675ac7e90011bbf009 full 2 55 The Real Credit Queen sits down with Christen Berman of Wealth Cornerstones to discuss why insurance should be seen as an investment.

Christen Berman | Wealth Cornerstones

http://www.wealthcornerstones.net | christen.berman@wealthcornerstones.net | 805-342-0711

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]]> The Real Credit Queen sits down with Christen Berman of Wealth Cornerstones to discuss why insurance should be seen as an investment.

Christen Berman | Wealth Cornerstones

http://www.wealthcornerstones.net | christen.berman@wealthcornerstones.net | 805-342-0711

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]]> 054 Quarantine Questions Ep. 2 054 Quarantine Questions Ep. 2 Mon, 13 Jul 2020 19:00:00 GMT 19:46 950fe714-0a68-432e-99bf-1d14aa2cb0b0 false https://anchor.fm/yourcredittoday/episodes/054-Quarantine-Questions-Ep--2-eglqh9 647fb46dd2c79000113c591d 647fb4675ac7e90011bbf009 full 2 54

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]]>

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]]> 053 Quarantine Questions Ep. 1 053 Quarantine Questions Ep. 1 Mon, 06 Jul 2020 19:00:00 GMT 29:09 ddc95061-abc2-4066-806c-16440237a6de false https://anchor.fm/yourcredittoday/episodes/053-Quarantine-Questions-Ep--1-eglq45 647fb46dd2c79000113c591e 647fb4675ac7e90011bbf009 full 2 53

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]]>

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]]> 052 Samantha Headlee Operations Manager of Conquer Credit tells Angela all about the student loan world! 052 Samantha Headlee Operations Manager of Conquer Credit tells Angela all about the student loan world! Mon, 25 May 2020 19:00:00 GMT 42:24 489652f7-64b6-49f7-881b-144c113fe952 false https://anchor.fm/yourcredittoday/episodes/052-Samantha-Headlee-Operations-Manager-of-Conquer-Credit-tells-Angela-all-about-the-student-loan-world-eefo2n 647fb46dd2c79000113c591f 647fb4675ac7e90011bbf009 full 2 52

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]]>

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]]> 051 Dynamic duo’s Ralph and Angela Bessard talk about marriage and business life 051 Dynamic duo’s Ralph and Angela Bessard talk about marriage and business life Mon, 18 May 2020 19:00:56 GMT 35:58 4ac8042c-d564-4db8-b12b-e25447eb54dc false https://anchor.fm/yourcredittoday/episodes/051-Dynamic-duos-Ralph-and-Angela-Bessard-talk-about-marriage-and-business-life-ee46sl 647fb46dd2c79000113c5920 647fb4675ac7e90011bbf009 full 2 51

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]]>

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]]> <![CDATA[050 Angela talks with super entertainment business management couple Amir & Pam Malek]]> Mon, 11 May 2020 19:00:46 GMT 37:46 e14b43b6-fb3f-45d7-93b5-67c006d3c249 false https://anchor.fm/yourcredittoday/episodes/050-Angela-talks-with-super-entertainment-business-management-couple-Amir--Pam-Malek-edsua6 647fb46dd2c79000113c5921 647fb4675ac7e90011bbf009 full 2 50

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]]>

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]]> 049 Quick-tips, Reading the Fine Print during Covid 19 #4 049 Quick-tips, Reading the Fine Print during Covid 19 #4 Thu, 07 May 2020 02:11:32 GMT 10:04 99e71ca4-54fb-431e-8635-12d24dd3a7a9 false https://anchor.fm/yourcredittoday/episodes/049-Quick-tips--Reading-the-Fine-Print-during-Covid-19-4-edn8ir 647fb46dd2c79000113c5922 647fb4675ac7e90011bbf009 full 2 49

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]]>

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]]> 048 Small Business Updates with Angela and Angele 048 Small Business Updates with Angela and Angele Mon, 04 May 2020 19:00:00 GMT 35:56 01dc35c5-57b5-4a1d-b1e1-2e3d0854364d false https://anchor.fm/yourcredittoday/episodes/048-Small-Business-Updates-with-Angela-and-Angele-ediphl 647fb46dd2c79000113c5923 647fb4675ac7e90011bbf009 full 2 48 Angela and Angele are at it again. Great tips to help start or create a healthy small business environment.  

Special Guest


Angele Cade | Executive On The Go


www.exconthego.com

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]]> Angela and Angele are at it again. Great tips to help start or create a healthy small business environment.  

Special Guest


Angele Cade | Executive On The Go


www.exconthego.com

Hosted on Acast. See acast.com/privacy for more information.

]]> 047 Quick-tips, How to combat errors with credit agencies and creditors direct during Covid 19 #3 047 Quick-tips, How to combat errors with credit agencies and creditors direct during Covid 19 #3 Thu, 30 Apr 2020 03:00:03 GMT 16:48 37a29ac1-4298-427b-91a5-2e846bc40c65 false https://anchor.fm/yourcredittoday/episodes/047-Quick-tips--How-to-combat-errors-with-credit-agencies-and-creditors-direct-during-Covid-19-3-eddvfr 647fb46dd2c79000113c5924 647fb4675ac7e90011bbf009 full 2 47

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]]>

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]]> 046 Angela talks with one of the nations top Investment Advisors Special Guest Jeffrey Fratarcangeli 046 Angela talks with one of the nations top Investment Advisors Special Guest Jeffrey Fratarcangeli Mon, 27 Apr 2020 19:00:00 GMT 29:33 9a142062-7e70-4ef0-ad7d-12f50bbf99c5 false https://anchor.fm/yourcredittoday/episodes/046-Angela-talks-with-one-of-the-nations-top-Investment-Advisors-Special-Guest-Jeffrey-Fratarcangeli-eda11o 647fb46dd2c79000113c5925 647fb4675ac7e90011bbf009 full 2 46 We are happy to have Jeffrey on our show. Jeffrey's clients are: high net-worth families, family offices, athletes, entertainers, business owners, corporate executives, celebrities, and retirees. He also works with publicly traded small to large size companies. Jeffrey's team works with government agencies, employee benefit plans, ERISA qualified plans, endowments, foundations, and other institutional entities.

Fratarcangeli Wealth Management

http://fratarcangeliwealthmanagement.com

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]]> We are happy to have Jeffrey on our show. Jeffrey's clients are: high net-worth families, family offices, athletes, entertainers, business owners, corporate executives, celebrities, and retirees. He also works with publicly traded small to large size companies. Jeffrey's team works with government agencies, employee benefit plans, ERISA qualified plans, endowments, foundations, and other institutional entities.

Fratarcangeli Wealth Management

http://fratarcangeliwealthmanagement.com

Hosted on Acast. See acast.com/privacy for more information.

]]> 045 Quick-tips, Low Risk/High Risk Deferment Questions during Covid-19 #2 045 Quick-tips, Low Risk/High Risk Deferment Questions during Covid-19 #2 Wed, 22 Apr 2020 19:00:00 GMT 19:22 4791a9c2-a7b1-4873-84b7-9e5c813cc87b false https://anchor.fm/yourcredittoday/episodes/045-Quick-tips--Low-RiskHigh-Risk-Deferment-Questions-during-Covid-19-2-ed1o23 647fb46dd2c79000113c5926 647fb4675ac7e90011bbf009 full 2 45

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]]>

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]]> <![CDATA[044 Tax Debt Relief & Regulations -SBA Tips and Practice]]> Mon, 20 Apr 2020 23:54:34 GMT 20:32 4761be22-98a7-4d0f-8b0d-bf9fc1916800 false https://anchor.fm/yourcredittoday/episodes/044-Tax-Debt-Relief--Regulations--SBA-Tips-and-Practice-ed1km7 647fb46dd2c79000113c5927 647fb4675ac7e90011bbf009 full 2 44 Put on your seat belt, "This is a time to pivot and adapt."  Special guest Michael Rozbruch provides an in depth look into the world of finance. Michael explains how to best navigate the IRS and insightful planning advice that many CPA's should use to help their clients remain strong during these these unstable times. 

Michael Rozbruch 

Roz Strategies.com

 info@rozstrategies.com 

888-670-0303

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]]> Put on your seat belt, "This is a time to pivot and adapt."  Special guest Michael Rozbruch provides an in depth look into the world of finance. Michael explains how to best navigate the IRS and insightful planning advice that many CPA's should use to help their clients remain strong during these these unstable times. 

Michael Rozbruch 

Roz Strategies.com

 info@rozstrategies.com 

888-670-0303

Hosted on Acast. See acast.com/privacy for more information.

]]> 043 Quick-tips, Protection And informative reminders during Covid-19 #1 043 Quick-tips, Protection And informative reminders during Covid-19 #1 Wed, 15 Apr 2020 19:00:00 GMT 11:41 2c6b4874-35d5-4766-9dc0-33abf9773f5b false https://anchor.fm/yourcredittoday/episodes/043-Quick-tips--Protection-And-informative-reminders-during-Covid-19-1-ecpp7u 647fb46dd2c79000113c5928 647fb4675ac7e90011bbf009 full 2 43

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]]>

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]]> 042 The Financial Market and Public Accounting Recruitment with Special Guest Allan Fisher 042 The Financial Market and Public Accounting Recruitment with Special Guest Allan Fisher Mon, 13 Apr 2020 19:00:00 GMT 25:09 48ddab08-b531-473e-bcd1-b9d8af217d2a false https://anchor.fm/yourcredittoday/episodes/042-The-Financial-Market-and-Public-Accounting-Recruitment-with-Special-Guest-Allan-Fisher-ecofrt 647fb46dd2c79000113c5929 647fb4675ac7e90011bbf009 full 2 42 Learn more about Accounting Recruitment what's happening in the current financial market with special guest:

Allan Fisher

Premier Financial Search

allan@pfssearch.com

(661) 799-0101

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]]> Learn more about Accounting Recruitment what's happening in the current financial market with special guest:

Allan Fisher

Premier Financial Search

allan@pfssearch.com

(661) 799-0101

Hosted on Acast. See acast.com/privacy for more information.

]]> 041 The Credit and Hospitality Queens Chat! 041 The Credit and Hospitality Queens Chat! Mon, 06 Apr 2020 19:00:00 GMT 20:18 4a9fd2fe-d6f0-4262-9413-2abe3639f6ed false https://anchor.fm/yourcredittoday/episodes/041-The-Credit-and-Hospitality-Queens-Chat-ecedgu 647fb46dd2c79000113c592a 647fb4675ac7e90011bbf009 full 2 41 Angela interviews her mother, Frances Kiradjian, a four year decade expert in the hospitality industry.

Frances Kiradjian

Founder & CEO
BLLA - Boutique & Lifestyle Leaders Association
Co-Founder & Executive Editor
StayBoutique

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]]> Angela interviews her mother, Frances Kiradjian, a four year decade expert in the hospitality industry.

Frances Kiradjian

Founder & CEO
BLLA - Boutique & Lifestyle Leaders Association
Co-Founder & Executive Editor
StayBoutique

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]]> 040 Making the Right Credit Moves 040 Making the Right Credit Moves Mon, 30 Mar 2020 19:00:00 GMT 17:39 d15b3c90-abb8-4d02-8b28-7b2ff322ff28 false https://anchor.fm/yourcredittoday/episodes/040-Making-the-Right-Credit-Moves-ec1dtr 647fb46dd2c79000113c592b 647fb4675ac7e90011bbf009 full 2 40

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]]>

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]]> 039 The Opportunity 039 The Opportunity Mon, 23 Mar 2020 19:00:00 GMT 16:56 https://anchor.fm/yourcredittoday/episodes/039-The-Opportunity-ebos2a false https://anchor.fm/yourcredittoday/episodes/039-The-Opportunity-ebos2a 647fb46dd2c79000113c592c 647fb4675ac7e90011bbf009 full 2 39

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]]>

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]]> 038 Having a Plan 038 Having a Plan Mon, 16 Mar 2020 19:00:00 GMT 16:20 https://anchor.fm/yourcredittoday/episodes/038-Having-a-Plan-eborjk false https://anchor.fm/yourcredittoday/episodes/038-Having-a-Plan-eborjk 647fb46dd2c79000113c592d 647fb4675ac7e90011bbf009 full 2 38 As we move into a new normal with the current state of our world, this is a great time to get ready for what's ahead.  Find out what you can do to plan for the future and keep your credit and finances in order.

Though we are not endorsed, find out what we have to say about creditkarma.com 

We share helpful tips and tools to give you an advantage in todays financial market.

Hosted on Acast. See acast.com/privacy for more information.

]]> As we move into a new normal with the current state of our world, this is a great time to get ready for what's ahead.  Find out what you can do to plan for the future and keep your credit and finances in order.

Though we are not endorsed, find out what we have to say about creditkarma.com 

We share helpful tips and tools to give you an advantage in todays financial market.

Hosted on Acast. See acast.com/privacy for more information.

]]> 037 The Truth about Nonprofits with Angela and Angele 037 The Truth about Nonprofits with Angela and Angele Mon, 09 Mar 2020 19:00:00 GMT 45:12 1c9f5382-ca56-41c6-94cc-556594256ef7 false https://anchor.fm/yourcredittoday/episodes/037-The-Truth-about-Nonprofits-with-Angela-and-Angele-ebbslu 647fb46dd2c79000113c592e 647fb4675ac7e90011bbf009 full 2 37

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]]>

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]]> 036 Ep.2_LLC, S Corp and C corps with special guest Angele Cade 036 Ep.2_LLC, S Corp and C corps with special guest Angele Cade Mon, 02 Mar 2020 20:00:00 GMT 35:00 ffe951ed-d906-42bd-82e0-ee059ef480c6 false https://anchor.fm/yourcredittoday/episodes/036-Ep-2_LLC--S-Corp-and-C-corps-with-special-guest-Angele-Cade-eb0op8 647fb46dd2c79000113c592f 647fb4675ac7e90011bbf009 full 2 36 Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.

With Special Guest

Angele Cade | Executive On The Go

www.exconthego.com

Hosted on Acast. See acast.com/privacy for more information.

]]> Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.

With Special Guest

Angele Cade | Executive On The Go

www.exconthego.com

Hosted on Acast. See acast.com/privacy for more information.

]]> 035 Ep. 1_LLC, S Corp and C corps with special guest Angele Cade 035 Ep. 1_LLC, S Corp and C corps with special guest Angele Cade Mon, 24 Feb 2020 20:00:00 GMT 32:18 31106550-fc3b-441f-91fa-b38d86cc329a false https://anchor.fm/yourcredittoday/episodes/035-Ep--1_LLC--S-Corp-and-C-corps-with-special-guest-Angele-Cade-eb0onc 647fb46dd2c79000113c5930 647fb4675ac7e90011bbf009 full 2 35 Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.  

With Special Guest

Angele Cade | Executive On The Go

www.exconthego.com

Hosted on Acast. See acast.com/privacy for more information.

]]> Do you need to know about LLC, S Corp and C corps listen to the expert as Angele de spells the mystery.  

With Special Guest

Angele Cade | Executive On The Go

www.exconthego.com

Hosted on Acast. See acast.com/privacy for more information.

]]> 034 Coffee Talk with Kristina Theard from The Agency 034 Coffee Talk with Kristina Theard from The Agency Mon, 17 Feb 2020 21:10:43 GMT 33:33 746bce1e-7f72-4a8e-9212-bb946f83460c false https://anchor.fm/yourcredittoday/episodes/034-Coffee-Talk-with-Kristina-Theard-from-The-Agency-easvk2 647fb46dd2c79000113c5931 647fb4675ac7e90011bbf009 full 2 34

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]]>

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]]> 033 Your Kids, Teens and Young Adults 033 Your Kids, Teens and Young Adults Mon, 10 Feb 2020 19:59:11 GMT 20:52 777049a1-d504-40d9-976d-f7b27260349e false https://anchor.fm/yourcredittoday/episodes/033-Your-Kids--Teens-and-Young-Adults-eaogad 647fb46dd2c79000113c5932 647fb4675ac7e90011bbf009 full 2 33

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]]>

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]]> 032 Credit Score Fluctuation 032 Credit Score Fluctuation Mon, 03 Feb 2020 20:00:00 GMT 9:45 84f073e6-9679-4e6f-bdfc-3a1e14eaba14 false https://anchor.fm/yourcredittoday/episodes/032-Credit-Score-Fluctuation-eaabk8 647fb46dd2c79000113c5933 647fb4675ac7e90011bbf009 full 2 32

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]]>

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]]> 031 All About Reverse Mortgages with special guest Marc Gertz 031 All About Reverse Mortgages with special guest Marc Gertz Mon, 27 Jan 2020 20:00:00 GMT 37:16 edfd6ce6-56d9-4392-a153-bbb8cfcac42b false https://anchor.fm/yourcredittoday/episodes/031-All-About-Reverse-Mortgages-with-special-guest-Marc-Gertz-eaf5nc 647fb46dd2c79000113c5934 647fb4675ac7e90011bbf009 full 2 31 Reverse Mortgages explained. Today we sit down with mortgage expert, Marc Gertz to find out what Reverse Mortgages are and how they are being used in today's market.

Marc Gertz - West-Cal, Reverse

reverseurthinking.com | marc@westcalmtg.com

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]]> Reverse Mortgages explained. Today we sit down with mortgage expert, Marc Gertz to find out what Reverse Mortgages are and how they are being used in today's market.

Marc Gertz - West-Cal, Reverse

reverseurthinking.com | marc@westcalmtg.com

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]]> 030 Keeping Good Books and Records with special Guest Hannah Wilson Frey 030 Keeping Good Books and Records with special Guest Hannah Wilson Frey Tue, 21 Jan 2020 00:17:10 GMT 22:57 2477bdd1-8a9d-4398-a507-2673ba318fb6 false https://anchor.fm/yourcredittoday/episodes/030-Keeping-Good-Books-and-Records-with-special-Guest-Hannah-Wilson-Frey-eaaa03 647fb46dd2c79000113c5935 647fb4675ac7e90011bbf009 full 2 30 More great information on keeping your books and records with special guest Hannah Wilson Frey.  With over 15 years of experience, Hannah's company Accountability 108 focuses on bookkeeping and financial management that is specifically tailored for each customer needs.

Hannah's contact

Accountability108.com | hannah@accountability108.com

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]]> More great information on keeping your books and records with special guest Hannah Wilson Frey.  With over 15 years of experience, Hannah's company Accountability 108 focuses on bookkeeping and financial management that is specifically tailored for each customer needs.

Hannah's contact

Accountability108.com | hannah@accountability108.com

Hosted on Acast. See acast.com/privacy for more information.

]]> 029 Good and Bad Debt 029 Good and Bad Debt Mon, 13 Jan 2020 20:00:00 GMT 16:26 367b0451-64c7-49a8-95ae-372f474ffccb false https://anchor.fm/yourcredittoday/episodes/029-Good-and-Bad-Debt-ea3uqe 647fb46dd2c79000113c5936 647fb4675ac7e90011bbf009 full 2 29

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]]>

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]]> 028 To Settle or Not to Settle Debt 028 To Settle or Not to Settle Debt Mon, 06 Jan 2020 20:00:00 GMT 14:47 f34c54a6-b7c3-46cc-b747-c6b21a709eb1 false https://anchor.fm/yourcredittoday/episodes/028-To-Settle-or-Not-to-Settle-Debt-e9jvdt 647fb46dd2c79000113c5937 647fb4675ac7e90011bbf009 full 2 28

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]]>

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]]> 027 The Best Way To Use Your Credit Card 027 The Best Way To Use Your Credit Card Mon, 30 Dec 2019 20:00:00 GMT 20:32 e1d146c5-1a9e-4f06-bcd7-eb7a8b05be6a false https://anchor.fm/yourcredittoday/episodes/027-The-Best-Way-To-Use-Your-Credit-Card-e9jv7n 647fb46dd2c79000113c5938 647fb4675ac7e90011bbf009 full 2 27

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]]>

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]]> 026 Do You Need To Build Your Credit? 026 Do You Need To Build Your Credit? Mon, 23 Dec 2019 20:00:00 GMT 21:05 bba07e74-fb8a-92d9-8609-715e4e09ec34 false https://anchor.fm/yourcredittoday/episodes/026-Do-You-Need-To-Build-Your-Credit-e9e8h3 647fb46dd2c79000113c5939 647fb4675ac7e90011bbf009 full 2 26

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]]> 025 The Truth About Credit Scoring 025 The Truth About Credit Scoring Mon, 16 Dec 2019 20:00:00 GMT 14:50 26208f49-f91d-3941-1988-c23fa8bd1e30 false https://anchor.fm/yourcredittoday/episodes/025-The-Truth-About-Credit-Scoring-e9e8ab 647fb46dd2c79000113c593a 647fb4675ac7e90011bbf009 full 2 25

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]]> 024 Holiday Shopping, Be Careful and Budget 024 Holiday Shopping, Be Careful and Budget Mon, 09 Dec 2019 20:00:00 GMT 10:29 ff6ae603-b66e-ce07-3e38-d881e6615d3c false https://anchor.fm/yourcredittoday/episodes/024-Holiday-Shopping--Be-Careful-and-Budget-e9e1n7 647fb46dd2c79000113c593b 647fb4675ac7e90011bbf009 full 2 24

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]]> 022 The FICO Pie Chart 022 The FICO Pie Chart Mon, 18 Nov 2019 20:00:06 GMT 10:17 8f95416a-4da3-26be-3e2c-6c2c7d1adf82 false https://anchor.fm/yourcredittoday/episodes/022-The-FICO-Pie-Chart-e8urfl 647fb46dd2c79000113c593d 647fb4675ac7e90011bbf009 full 2 22

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]]> 021 Pre Marital Credit, What You Need to Know 021 Pre Marital Credit, What You Need to Know Wed, 13 Nov 2019 05:04:56 GMT 20:23 dd6d8f0c-13ad-a195-5a6d-735f522ccb92 false https://anchor.fm/yourcredittoday/episodes/021-Pre-Marital-Credit--What-You-Need-to-Know-e8urit 647fb46dd2c79000113c593e 647fb4675ac7e90011bbf009 full 2 21

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]]> 020 Bankruptcy and What You Should Know 020 Bankruptcy and What You Should Know Mon, 14 Oct 2019 19:00:00 GMT 17:52 df9686b8-3547-1b6c-d6d4-46f0dfa7baec false https://anchor.fm/yourcredittoday/episodes/020-Bankruptcy-and-What-You-Should-Know-e5fjf3 647fb46dd2c79000113c593f 647fb4675ac7e90011bbf009 full 2 20

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]]> 019 All About Taxes with Special Guest Jeff Becker 019 All About Taxes with Special Guest Jeff Becker Mon, 07 Oct 2019 19:00:00 GMT 24:17 28d24ac0-75e2-4b71-32b3-3df95f58e60c false https://anchor.fm/yourcredittoday/episodes/019-All-About-Taxes-with-Special-Guest-Jeff-Becker-e5h6p6 647fb46dd2c79000113c5940 647fb4675ac7e90011bbf009 full 2 19

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]]> 018 When In Doubt Find Out 018 When In Doubt Find Out Mon, 30 Sep 2019 19:00:00 GMT 11:58 bb85394b-fcae-dee0-afa2-c68e5ef9d7ad false https://anchor.fm/yourcredittoday/episodes/018-When-In-Doubt-Find-Out-e5atp0 647fb46dd2c79000113c5941 647fb4675ac7e90011bbf009 full 2 18

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]]> 017 Why Is a Good Score so Important? 017 Why Is a Good Score so Important? Tue, 24 Sep 2019 00:00:00 GMT 22:06 6e35350b-6d1a-56fb-fab9-2ec57a533755 false https://anchor.fm/yourcredittoday/episodes/017-Why-Is-a-Good-Score-so-Important-e5atm3 647fb46dd2c79000113c5942 647fb4675ac7e90011bbf009 full 2 17

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]]> 016 Security Freeze and the Power of the Pin. 016 Security Freeze and the Power of the Pin. Mon, 16 Sep 2019 23:00:00 GMT 11:47 797431a3-607c-6a60-91d1-f7634acef148 false https://anchor.fm/yourcredittoday/episodes/016-Security-Freeze-and-the-Power-of-the-Pin-e5atgf 647fb46dd2c79000113c5943 647fb4675ac7e90011bbf009 full 2 16

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]]> 015 Data Breaches....Are You Safe? 015 Data Breaches....Are You Safe? Wed, 11 Sep 2019 00:14:32 GMT 10:07 fb37099c-66f2-fbf0-e700-f596171b075a false https://anchor.fm/yourcredittoday/episodes/015-Data-Breaches----Are-You-Safe-e5ar22 647fb46dd2c79000113c5944 647fb4675ac7e90011bbf009 full 2 15

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]]> 014 What can hurt or help my credit score. 014 What can hurt or help my credit score. Tue, 23 Jul 2019 00:00:00 GMT 17:19 55b1c9c0-1540-37df-eb4c-dea0fd62b461 false https://anchor.fm/yourcredittoday/episodes/014-What-can-hurt-or-help-my-credit-score-e4hogp 647fb46dd2c79000113c5945 647fb4675ac7e90011bbf009 full 14

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]]> <![CDATA[013 What Google Didn't Tell You]]> Mon, 15 Jul 2019 23:00:00 GMT 15:28 c2ebd667-2023-ad5a-684b-0ec068575bd8 false https://anchor.fm/yourcredittoday/episodes/013-What-Google-Didnt-Tell-You-e4ho7u 647fb46dd2c79000113c5946 647fb4675ac7e90011bbf009 full 13

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]]> 012 Your Credit Equals Your Habits 012 Your Credit Equals Your Habits Mon, 08 Jul 2019 23:00:00 GMT 17:34 080fa359-df11-b6d0-ac9b-e7eaa8f83df6 false https://anchor.fm/yourcredittoday/episodes/012-Your-Credit-Equals-Your-Habits-e4ho5b 647fb46dd2c79000113c5947 647fb4675ac7e90011bbf009 full 12

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]]> 011 Divorce and Credit 011 Divorce and Credit Fri, 05 Jul 2019 22:13:26 GMT 16:24 2d874148-171a-4c4d-6791-2234031ee5e4 false https://anchor.fm/yourcredittoday/episodes/011-Divorce-and-Credit-e4hn31 647fb46dd2c79000113c5948 647fb4675ac7e90011bbf009 full 2 11

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]]> 010 Credit Stories-Learning Important Tricks-Part2 010 Credit Stories-Learning Important Tricks-Part2 Tue, 11 Jun 2019 00:00:00 GMT 14:39 ecb12233-aff3-c391-6966-d6151855bdf1 false https://anchor.fm/yourcredittoday/episodes/010-Credit-Stories-Learning-Important-Tricks-Part2-e44t6d 647fb46dd2c79000113c5949 647fb4675ac7e90011bbf009 full 2 10

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]]> 009 Credit Stories-Learning Important Tricks-Part1 009 Credit Stories-Learning Important Tricks-Part1 Tue, 04 Jun 2019 00:00:00 GMT 22:48 81775d8c-a269-fa3f-704e-4f137b2988d2 false https://anchor.fm/yourcredittoday/episodes/009-Credit-Stories-Learning-Important-Tricks-Part1-e44t1h 647fb46dd2c79000113c594a 647fb4675ac7e90011bbf009 full 2 9

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]]> 008 How to correspond with a collection agency 008 How to correspond with a collection agency Tue, 28 May 2019 20:44:48 GMT 15:20 e5fec6bf-932b-0a13-6d49-0a0f143d91dd false https://anchor.fm/yourcredittoday/episodes/008-How-to-correspond-with-a-collection-agency-e41p29 647fb46dd2c79000113c594b 647fb4675ac7e90011bbf009 full 2 8

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]]> How to write a good letter to credit card company How to write a good letter to credit card company Wed, 15 May 2019 23:13:57 GMT 15:37 f9349b67-dca7-ff81-20c8-9e17a616535f false https://anchor.fm/yourcredittoday/episodes/How-to-write-a-good-letter-to-credit-card-company-e41p0r 647fb46dd2c79000113c594c 647fb4675ac7e90011bbf009 full 2 7

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]]> Should I freeze my credit? #06 Should I freeze my credit? #06 Mon, 29 Apr 2019 19:00:00 GMT 15:37 dd05e527-3f9f-8ae8-3d51-279725937f07 false https://anchor.fm/yourcredittoday/episodes/Should-I-freeze-my-credit--06-e3miti 647fb46dd2c79000113c594d 647fb4675ac7e90011bbf009 full 2 6

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]]> Credit Card Types Part 2 #05 Credit Card Types Part 2 #05 Tue, 23 Apr 2019 00:00:00 GMT 11:28 3e912674-d18c-649d-2027-b02d510e0885 false https://anchor.fm/yourcredittoday/episodes/Credit-Card-Types-Part-2-05-e3mitb 647fb46dd2c79000113c594e 647fb4675ac7e90011bbf009 full 2 5

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]]> Types of Credit Cards #04 Types of Credit Cards #04 Mon, 15 Apr 2019 19:00:00 GMT 28:34 6604d788-c901-8f62-0d0c-209bc573201c false https://anchor.fm/yourcredittoday/episodes/Types-of-Credit-Cards-04-e3mit2 647fb46dd2c79000113c594f 647fb4675ac7e90011bbf009 full 2 4

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]]> Types of Inquiries Types of Inquiries Tue, 09 Apr 2019 20:06:54 GMT 9:26 73aa3856-0c02-6d31-fb65-2a2743eb1e03 false https://anchor.fm/yourcredittoday/episodes/Types-of-Inquiries-e3id8s 647fb46dd2c79000113c5950 647fb4675ac7e90011bbf009 full 2 3

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]]> Using your credit as an investment tool. Using your credit as an investment tool. Tue, 26 Mar 2019 21:09:12 GMT 13:47 80eadee0-e3b7-3051-d577-845ac01c4705 false https://anchor.fm/yourcredittoday/episodes/Using-your-credit-as-an-investment-tool-e3fq49 647fb46dd2c79000113c5951 647fb4675ac7e90011bbf009 full 2 2

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]]> Managing your Debt and FICO Score Managing your Debt and FICO Score Sun, 17 Mar 2019 20:36:22 GMT 13:37 14d2d507-9960-4146-ca56-92997b112f15 false https://anchor.fm/yourcredittoday/episodes/Managing-your-Debt-and-FICO-Score-e3fq47 647fb46dd2c79000113c5952 647fb4675ac7e90011bbf009 full 2 1

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