Ep 231: Credit 101 for grown folks: What it is and what it isn't

If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about credit scores and reports: what they are, how they work, the most common myths people believe, and why it’s time we stop treating credit like a moral compass.

Whether you’re building credit for the first time, trying to bounce back from a rough patch, or just wondering why your score dipped after doing the “right” thing – we got you.

We cover:

• The biggest myths about credit (including the one a lot of folks still repeat)
• Why your score is not a moral report card
• How to check your credit and why you must 
• The rise of shady credit repair schemes
• Smart ways to build or rebuild without getting scammed
• Credit reports, analogies, and a little tough love

Links: 

• Episode 211 – Everything you were never taught about bankruptcy (or watch it HERE)
• Check your credit report for free at AnnualCreditReport.com
• National Foundation for Credit Counseling (NFCC)
• Operation HOPE – Financial counseling and education

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