The Extra Credit Show

Anselmo Moreno
  • 4.9 (17)
  • EDUCATION

Learn all about Credit Repair, Debt Settlements, Credit Reports, Identity Theft, Credit Scores and all topics related to Consumer Finance.

  1. New Year Credit Talk - Designing a credit repair plan for 2019 and Beyond

    02/15/2019

    New Year Credit Talk - Designing a credit repair plan for 2019 and Beyond

    So Next week turned into next Month, as we have been swamped !!!! But here you go, a delicious new installment of your favorite podcast!!   Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com   00:00

    18 min
  2. Credit Repair Chronicles: Ep.1 - Interview with our free credit repair winner!

    01/21/2019

    Credit Repair Chronicles: Ep.1 - Interview with our free credit repair winner!

    We are BACK! The first episode of a long series as we document a credit repair journey with our lucky winner. Meet Joy, hear her story and follow along as we bring monthly updates to her credit repair journey.  Next week we will be back with a regular installment of the Extra Credit Show!! Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

    26 min
  3. Credit Repair Winner Announced! & Consumer Goes After Equifax and Navient

    12/14/2018

    Credit Repair Winner Announced! & Consumer Goes After Equifax and Navient

    We have interviewed everyone who has shared their story with us regarding the free credit repair program we want to give away. The chosen extra credit listener is announced! Also - A consumer has filed a lawsuit against Equifax and Navient Solutions alleging a disregard for accurate reporting his loan performance. The consumer says they have tried repeatedly to dispute and validate the incorrect credit reporting information but has had no luck. According to the complaint the consumer had 13 separate loans with Navient and they were paid off in full in July 2016. After the loans were paid off, both Experian and TransUnion both correctly reflected the loan status. The suit says, “Equifax failed to update Plaintiff’s accounts to reflect the payoff and closure of the accounts and instead continued to list each of the accounts as open and with a monthly payment amount and/or a balance.”  We breakdown the merit of the lawsuit and discuss how this consumer was injured...or not injured based on the allegations! Check it out!!   Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

    19 min
  4. Buying a Home : Affordability Trends Talk with Nik Boone w/ Ascend Real Estate

    11/30/2018

    Buying a Home : Affordability Trends Talk with Nik Boone w/ Ascend Real Estate

    Buying a home is the main motive behind consumers wanting to improve their credit score. As an Extra Credit Show listener it's highly likely the motive behind you wanting to master your credit score is tied to an end goal of homeownership. In this episode we cover a few first time homebuyer programs available to consumers, and Nik shares his experiences in the real estate buying process.  We also discuss how credit impacts your ability to rent a home, which is a fantastic look into the decision making process of tenant screening. We even learn several new things ourselves! Nik Boone owns Ascend Real Estate, a local property management and real estate sales company. Due to his company handling both rentals and sales, he brings an insightful perspective in both buying and renting real estate. Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

    30 min
  5. Car Shopping : The Dealer Ran my credit 20+ times!

    11/10/2018

    Car Shopping : The Dealer Ran my credit 20+ times!

    Has the FCRA been violated if the dealership shotguns your credit if you've given them permission to run it at least once? I've had this discussion 100x over the years with angry consumers. You go to the dealership to buy a car, and when you get to the financing part they run your credit with several lenders and thus you end up with several, sometimes a dozen or more inquiries on your credit report. Consumers freak out, and maybe justifiably so. In this episode we discuss a very recent case of a consumer who sued a car dealership for doing just this, and we discuss the courts ruling which is quite interesting. Check it out!    Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.

    20 min
  6. FICO announces new "UltraFICO" score model - We talk about it!

    10/26/2018

    FICO announces new "UltraFICO" score model - We talk about it!

    Apparently this is a big deal, as the new UltraFICO score model will review your bank account to enhance the score. This seems interesting, take a listen and learn the details of this new potential system and what we think about it's impact in the current consumer finance space. Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

    21 min
  7. What To Do If You Are Sued For Credit Card Debt

    10/12/2018

    What To Do If You Are Sued For Credit Card Debt

    In this episode we discuss what to do if you have been served with a lawsuit for credit card debt! It sucks, but it happens. Recently it's been happening ALOT. There are certain debt collectors and types of debt that are more commonly filing suits against consumers than others. If you know anybody who has past due credit card debts this episode is a MUST listen. It's always best to address the issue before suite gets filed, because after that things get exponentially worst! This is always a touchy subject because we don't want to accidently give legal advice, but we deal with this very often and feel comfortable discussing it. Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShowWeb: www.TheExtraCreditShow.comWatch the show on YouTube : https://youtu.be/RVq0jCjwpxYContact: TheExtraCreditShow@gmail.com   00:0000:0

    36 min
  8. Life after Credit Repair: How to care for your credit longterm

    10/05/2018

    Life after Credit Repair: How to care for your credit longterm

    Credit Repair should not last forever. Actually it should really only be 3-6 months, and in some rare cases it can go longer than 6 months. The habits and actions you take after the credit repair process is over are extremely important to make sure you don't "come back" or become a "repeat client" of a credit repair company. In this episode we break down and discuss common issues that we have seen our clients commit after they finished our program. The focus of the episode is to discuss how to continue to maintain your credit after you've completed a credit repair program. Myths we breakdown: How to manage your credit cards every month. Do you pay them off every month? Do you have to carry balances every month to show activity? Do you keep them at 30%? (No, no, and NO) Do you need to keep all your accounts opened? What is the IDEAL amount of credit cards to have open?  Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShowFacebook: www.facebook.com/TheExtraCreditShowWeb: www.TheExtraCreditShow.comWatch the show on YouTube : https://youtu.be/RVq0jCjwpxYContact: TheExtraCreditShow@gmail.com

    33 min
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4.9
out of 5
17 Ratings

About

Learn all about Credit Repair, Debt Settlements, Credit Reports, Identity Theft, Credit Scores and all topics related to Consumer Finance.

Information

  • Creator
    Anselmo Moreno
  • Years Active
    2018 - 2019
  • Episodes
    49
  • Rating
    Clean
  • Copyright
    © Copyright 2018 All rights reserved.
  • Show Website
    The Extra Credit Show