Credit Coaching by Kristi

Kristi Nowrouzi
  • 4.9 (50)
  • SELF-IMPROVEMENT
  • UPDATED MONTHLY
Credit Coaching by Kristi Podcast

Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.com or email questions@creditkristi.com NMLS #754092

  1. AUG 17

    More on Zero Percent 0% Balance Transfers

    Let's listen in to some additional details regarding zero percent balance transfers on credit cards. Questions@creditkristi.com

    11 min

  2. JUL 29

    Credit Card Balances and APRs - New HIGHs

    Credit card balances are at the highest level in history. In fact, over $1.115 TRILLION is the current outstanding credit card balances for Americans! 1 in every 5 credit card holders are "maxed out" meaning they have greater than 90% of their limit as a balance. APRs are also the highest we've seen, ever! What is going on and what can we do about it? Questions@CreditKristi.com

    12 min

  3. JUL 9

    What is Debt Ratio (and Why Should I Care?)

    There is a very important term in finance called Debt Ratio. You should have an understanding of what it means, what it says about you and your spending/debt load, and why it's important to keep it in check. Whether you are thinking about and preparing to buy a home or just want to figure out your debt levels and adjust what's not working in your life, understanding your DTI (Debt To Income) Ratio is an important one to know! Questions@creditkristi.com

    16 min

  4. JUN 5

    Mortgage Denials - #1 Reason is CREDIT!

    As a mortgage broker, I see the entire financial picture of someone applying for a loan. That is what drove me to start this podcast over 4 years ago, is because time and time again I would spend time coaching people on what to do to improve their credit so they can qualify for a mortgage. The #1 reason for mortgage declines is insufficient credit. Listen in as your credit coach breaks it down as to what is needed, how to improve your credit and what underwriters for the lender is looking for to issue an approval. You will also learn the #2 reason and how it is calculated. Questions@creditkristi.com www.buildanagent.com for newer Realtors

    24 min

  5. MAY 13

    Why Did I Get Denied for a New Credit Card?

    Have you applied for a credit card and then found out... you were denied?! There are various reasons that could be the culprit, so listen in to your credit coach as Kristi shares some of the top reasons for not being approved if you applied for a credit card. Questions@CreditKristi.com

    14 min

  6. APR 29

    Cost of Living Has My Credit Card Balances High!

    I am hearing from a lot of people that they are carrying large credit card balances forward each month, not intentionally, but because the cost of living is so high. Listen in (if this is you, you are not alone) and hear some suggestions on what to do about it. Check out this cost of living calculator: https://www.bankrate.com/real-estate/cost-of-living-calculator/ Questions@creditkristi.com

    6 min

  7. APR 1

    Improve Your Credit Fast

    Looking for some quick tips to improve your credit ASAP? I got you! Listen in to learn best tips to improve (or build) your credit profile quickly. Some of the places Coach Kristi references: To pull your free credit report: https://www.annualcreditreport.com/ Self.inc for the credit builder account: https://www.self.inc/blog/what-is-a-credit-builder-loan Reporting rent through Self.inc: https://learn.self.inc/lpg/mpa/rent-bills-landing/?_gl=1*1igfd3o*_gcl_au*ODQ1NTA0NzY3LjE3MTE5ODY3NDE. Experian Boost: https://www.experian.com/consumer-products/score-boost.html Questions@CreditKristi.com

    11 min

  8. MAR 16

    Freeze Your Credit!

    As a matter of protection, I recommend you freeze your credit. What does it mean to have your credit frozen? How does it benefit me? What if I need to access my credit? What if I am a victim of fraudulent activity? Listen in as your credit coach breaks it all down for you. To freeze your credit, set up an account with each credit reporting bureau and once set up and logged in, look for "freeze my credit" to place the freeze. That's it! Equifax.com or 800-349-9960 Transunion.com or 888-909-8872 Experian.com or 888-397-3742 To Opt-Out of "pre-approved" credit offers like credit cards and personal loans that come as junk mail, unsolicited, go to OptOutPreScreen.com and by entering your info, you will be excluded from that list of sold information to creditors for 5 years. Questions@CreditKristi.com

    9 min
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4.9
out of 5
50 Ratings

About

Your Credit Coach Kristi will share with you her years of experience in analyzing credit reports and share with you thoughts, tips, and knowledge on how to optimize your credit score and maximize your credit understanding. Listen to the guidance of someone who has deep insight into the world of credit and credit scores. Visit creditkristi.com or email questions@creditkristi.com NMLS #754092

Information

  • Creator
    Kristi Nowrouzi
  • Years Active
    2020 - 2024
  • Episodes
    124
  • Rating
    Clean
  • Copyright
    © Kristi Nowrouzi
  • Show Website
    Credit Coaching by Kristi

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