49 episodes

The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting business since 2005. The goal is to bring practical, relevant, credit repair and debt relief skills to the public.
View the show on YouTube: The Extra Credit Show
Facebook: www.facebook.com/theExtraCreditShow
Web: www.TheExtraCreditShow.com

The Extra Credit Show Anselmo Moreno

    • Education
    • 4.9 • 17 Ratings

The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting business since 2005. The goal is to bring practical, relevant, credit repair and debt relief skills to the public.
View the show on YouTube: The Extra Credit Show
Facebook: www.facebook.com/theExtraCreditShow
Web: www.TheExtraCreditShow.com

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

    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
     



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

    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

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

    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

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

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

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

    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

Customer Reviews

4.9 out of 5
17 Ratings

17 Ratings

ejdofklwak ,

Awesome show thank you

Very helpful content and they make the show feel very personalized. As a man struggling with credit repair all this info does greatly help ! Thank you!

eliaslopez2012 ,

Great information

Very good and informative podcast about credit. I wish I would of have this knowledge years ago!

a_jime31 ,

Informative

Awesome podcast! Very informative and helpful. Makes it easy to understand how credit really works.

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