Podcast Finanzas terbaik (2024)

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¿Qué significa la crisis del coronavirus para sus finanzas? - Los profesionales del crédito 2:11

1d ago2:11

2:11

La crisis del coronavirus ha impactado significativamente en la economía, afectando la bolsa de valores, el empleo y la vida diaria. Es esencial mantener la calma y evaluar la situación de manera racional. Proteger su puntaje crediticio durante la pandemia implica comunicarse con prestamistas si se ve afectada su capacidad de pago. Los bancos puede…

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Cómo proteger el futuro de su hijo: la importancia de bloquear su crédito desde el principio - The Credit Pros 4:38

1h ago4:38

4:38

Freezing a child's credit is a proactive measure to protect against identity theft, especially after major data breaches. The process involves contacting major credit bureaus and providing necessary documentation. This preventive step can save children from future financial and emotional distress. Parents should also educate their children on safeg…

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800 And 850 Credit Scores: Which Is Better?-thecreditpros 2:45

1d ago2:45

2:45

Achieving a perfect 850 credit score reflects excellent credit management, making you eligible for better loan terms, lower interest rates, and premium credit cards. While an 800 score is already considered excellent, reaching 850 requires careful error-checking of credit reports, timely bill payments, low credit utilization, a diverse credit mix, …

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Bad Credit And Insurance Premiums: Understanding The Impact 3:09

1d ago3:09

3:09

Bad credit can increase insurance premiums as insurers use credit-based scores to predict risk and potential for claims. These specialized scores differ from regular credit scores and consider additional factors. Poor credit-based insurance scores may lead to higher premiums or denial of coverage, but consumers can work on improving their credit to…

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5 Ways To Save More Money Shopping On Amazon 3:10

1d ago3:10

3:10

Amazon offers various programs to help shoppers save money: Amazon Prime with multiple benefits, Amazon Outlet for clearance deals, Gold Box Deals for daily and lightning offers, Amazon Student for college student perks, and Amazon Mom for parents' discounts and coupons.Oleh The Credit Pros

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Will Prepaid Credit Cards Boost Credit Scores?- 6 Key Uses 3:35

1d ago3:35

3:35

Prepaid credit cards, which function on a 'pay now, spend later' model, offer convenience but do not report to credit bureaus, thus they don't help in building credit scores. Secured credit cards and becoming an authorized user on another's account are better alternatives for building credit. Prepaid cards are ideal for those without bank accounts,…

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Datos de tendencias: los profesionales del crédito 4:10

1d ago4:10

4:10

Los datos de tendencias son información histórica de pagos de tarjetas de crédito que muestran cómo los consumidores han manejado su deuda a lo largo del tiempo. Esto incluye montos de pagos mensuales y si los balances se pagan completamente o se llevan al siguiente mes. Los datos de tendencias son importantes porque ofrecen a los prestamistas una …

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Ahorre dinero con préstamos para estudiantes: dos formas sencillas 3:25

1d ago3:25

3:25

Para ahorrar en préstamos estudiantiles, incrementa los pagos mensuales o refinancia a una tasa de interés menor. Aumentar los pagos reduce el tiempo y el interés total pagado. Refinanciar puede disminuir el porcentaje de interés y el costo total del préstamo. Ambas estrategias pueden resultar en ahorros significativos a lo largo del tiempo.…

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Common Traits Of High Credit Scorers Revealed 3:16

1d ago3:16

3:16

Individuals with high credit scores often share common habits such as maintaining low credit card balances, making payments on time, limiting new credit applications, having long credit histories, and regularly reviewing their credit reports. These practices contribute to their strong credit standing, as they manage debt responsibly, ensure the tim…

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Damon Decrescenzo sobre el podcast del CEO de 7 figuras 3:03

1d ago3:03

3:03

Damon DeCrescenzo, CEO de The Credit Pros, ha sido entrevistado en el podcast 'CEO de 7 cifras' de Casey Graham, discutiendo su amplia experiencia emprendedora y compartiendo estrategias para construir un equipo fuerte y lograr el éxito empresarial. La empresa sigue creciendo, lanzando una aplicación móvil y expandiendo su equipo.…

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Understanding Phantom Debt: What It Is And How To Recognize 2:43

1d ago2:43

2:43

Phantom debt, originating from clerical errors, identity theft, and fraudulent schemes, poses a significant threat to your financial health. Recognizing red flags, regularly reviewing your credit report, and understanding fraud tactics can help you stay vigilant. Disputing errors with credit bureaus and leveraging legal protections are crucial step…

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Educación profesional gratuita durante COVID-19 - The Credit Pros 2:58

1d ago2:58

2:58

Durante la crisis de COVID-19, algunas empresas ofrecen educación profesional gratuita para ayudar a las personas despedidas a mejorar sus habilidades. MOZ Academy está dando acceso gratuito a cursos de SEO, Udacity ofrece un mes gratis de programas de nanogrado, y LinkedIn Learning proporciona una prueba gratuita para una variedad de cursos profes…

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Bad Credit Rating - 5 Ultimate Factors 3:21

1d ago3:21

3:21

A bad credit rating can significantly hinder your ability to secure loans and comes with high interest rates. Factors such as late payments, bankruptcy, loan cosigning, excessive credit card applications, and not reporting inaccuracies can all detrimentally impact your score. Credit repair services can assist in rectifying these issues.…

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Rebuilding Credit After Divorce - Effective Ways 3:51

1d ago3:51

3:51

Divorce can severely impact your credit due to joint accounts, increased expenses, and potential identity theft. Protecting your credit involves separating joint debts by selling assets, refinancing, or paying off the debt yourself. Rebuilding credit after divorce includes checking your credit reports, disputing errors, and establishing individual …

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How To Handle Working From Home - The Credit Pros 3:07

1d ago3:07

3:07

Working from home requires discipline in maintaining a schedule, setting clear boundaries with coworkers, incorporating personal time, and minimizing non-work distractions like excessive messaging. Establishing and adhering to a routine mimics office structure and helps balance work and personal life, even under remote conditions.…

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CFPB demanda a Navient: impacto en los prestatarios de préstamos estudiantiles 3:01

1d ago3:01

3:01

La CFPB demandó a Navient, servicio de préstamos estudiantiles, por engañar a prestatarios y optar por soluciones costosas. Navient niega mala conducta y cuestiona la motivación política y la aplicación retroactiva de nuevas normativas de la CFPB. Navient afirma que promueve activamente los planes de pago basados en ingresos y combatirá las alegaci…

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¿Cuánto tiempo permanecen los pagos atrasados en su informe de crédito? 2:35

1d ago2:35

2:35

Los pagos atrasados permanecen en el informe de crédito por 7 años, pero el impacto disminuye con el tiempo. Es crucial realizar pagos a tiempo, ya que los pagos tardíos pueden afectar gravemente el puntaje crediticio. Hay maneras de manejar los pagos atrasados, incluida la disputa de errores y el pago inmediato dentro de los 30 días. Los servicios…

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Car Loan Is A Great Investment - 3 Reasons 3:21

1d ago3:21

3:21

A car loan can be a good investment if you buy a new, reliable car, have good credit for low APR, and plan to drive it long-term. Avoid loans for used cars and purchasing beyond your means. Budget for total car costs, maintain your car, and understand loan terms to maximize benefits.Oleh The Credit Pros

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Navigating Credit: Credit Report Vs. Credit Score Explained 3:19

1d ago3:19

3:19

A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contribute…

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Simple Yet Best Guide To FICO Score Vs. Credit Score In 2023 3:47

1d ago3:47

3:47

A FICO score is a specific type of credit score created by the Fair Isaac Corporation, used by lenders to gauge creditworthiness. All FICO scores are credit scores, but not all credit scores are FICO scores. FICO scores range from 300 to 850, with different versions like FICO 8 being the most common. VantageScore is another type of credit score gai…

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August Newsletter - The Credit Pros - The Credit Pros 2:42

1d ago2:42

2:42

The article provides insights on credit repair and management, suggesting quick sign-up for credit repair services, and discusses the impact of closing credit cards and the usefulness of retail store cards for credit health. It also introduces UltraFICO, a new credit score model.Oleh The Credit Pros

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Se revelan los rasgos comunes de las personas con puntajes crediticios altos 3:33

1d ago3:33

3:33

Las personas con puntajes crediticios altos tienden a mantener saldos bajos en tarjetas, realizar pagos puntuales, limitar nuevas solicitudes de crédito, tener historiales crediticios largos y revisar regularmente sus informes de crédito para asegurar su precisión y manejarlos de manera efectiva.Oleh The Credit Pros

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Why You Can’t Get A High Limit Credit Card - The Credit Pros 2:48

1d ago2:48

2:48

High-limit credit cards are determined by proprietary statistical models considering income, net worth, debt, credit history, and credit score. Low limits may be due to insufficient income/net worth, high debt, poor credit score, lack of credit history, or adverse economic conditions. To potentially increase a limit, improve credit profile or start…

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Credit Cards 101: Part 2 - Debt Payoff Strategies 2:57

1d ago2:57

2:57

Credit card debt can damage credit scores, even with on-time payments. Paying off debt in one go is often unrealistic, but strategies like balance transfers, consolidation loans, and the 'Totem Pole' method can help manage and reduce debt, potentially boosting credit scores.Oleh The Credit Pros

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Los profesionales del crédito: el impacto de las facturas médicas en los informes crediticios: navegando por las consecuencias financieras 4:27

1d ago4:27

4:27

La deuda médica es un problema grave en EE. UU., pero recientes cambios en informes crediticios ofrecen alivio, eliminando deudas médicas pagadas y estableciendo un mínimo de $500 para reportes. La cantidad de personas con deudas médicas en informes ha disminuido, aunque la deuda médica sigue siendo común. Es crucial manejar proactivamente las deud…

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Cómo reducir su tasa de utilización de crédito 3:05

1d ago3:05

3:05

La tasa de utilización del crédito es clave para los prestamistas al evaluar la capacidad de un individuo para manejar deudas. Mantener una baja tasa de utilización, idealmente inferior al 30%, demuestra responsabilidad crediticia. Pagar saldos, mantener cuentas con saldo de $0 y saber cuándo se reporta la deuda a las agencias son formas de optimiz…

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5 Key Signs To Identify A Legitimate Credit Card Debt Forgiveness Program - The Credit Pros 3:40

1d ago3:40

3:40

The article discusses the high costs of borrowing, particularly for credit card users, and explores credit card debt relief options. It highlights key signs of legitimate debt forgiveness programs, including the absence of upfront fees, transparency, skilled negotiators, realistic expectations, and a good industry standing. The article also emphasi…

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New Year's Resolution: Improve Your Credit Score 2:29

1d ago2:29

2:29

To improve your credit score in 2016, check your free annual credit report, pay bills on time, manage credit cards wisely by paying off debt and not closing unused accounts, and spend within your means to keep credit utilization low.Oleh The Credit Pros

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Credit Scores Can Be Different - Top 3 Reasons Why? 3:07

1d ago3:07

3:07

Credit scores can vary between Experian, Equifax, and TransUnion due to different scoring models, reports, voluntary credit reporting, and timing. The FICO scoring model is the most popular. Understanding these differences can help consumers manage their credit profiles better without the need to meet each bureau's criteria separately.…

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Why You Should Check Your Credit Report Every Year - The Credit Pros 3:22

1d ago3:22

3:22

Checking your credit report annually is crucial to detect fraud, catch mistakes, and understand low credit scores. It's an itemized history of credit accounts excluding your credit score. You can dispute errors or fraudulent activities with credit bureaus or seek help from credit repair companies. All Americans can access their credit reports for f…

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Installment Loans - An Ultimate Guide 2022 3:39

1d ago3:39

3:39

Installment loans allow borrowers to repay in regular installments, come in secured and unsecured forms, and are offered by many lenders. They differ from payday loans in repayment terms and impact on credit scores. Good credit scores help secure better loan terms, but installment loans can also be accessible to those with lower scores. TheCreditPr…

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The Credit Pros - How To Fix Credit Score After Identity Theft 2:57

1d ago2:57

2:57

Identity theft can severely damage your credit score, but with prompt detection and action, damage can be mitigated. Immediate steps include reporting theft, freezing accounts, and alerting credit bureaus. Repair involves disputing fraudulent charges and may take time. Post-theft, maintain credit health by monitoring reports and managing debt. Iden…

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Trended Data - The Credit Pros 3:15

1d ago3:15

3:15

Trended data on credit reports shows payment history over time, affecting credit scores and lending decisions. It reveals if a person pays off credit card balances or carries debt, with transactors deemed less risky. VantageScore 4.0 uses trended data, and FICO may follow. This data is increasingly important in credit evaluations, including mortgag…

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Get Your Annual Credit Report For 2020: Easy Steps 3:04

1d ago3:04

3:04

The article provides a comprehensive guide on how to obtain your annual credit report for free in 2022, detailing the importance of understanding your credit history, the contents of a credit report, and its uses. It specifies that credit reports can be accessed through AnnualCreditReport.com, the government-authorized source, and clarifies that th…

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How To Identify Credit Repair Scams - The Credit Pros 3:01

1d ago3:01

3:01

To avoid credit repair scams, never pay upfront, be skeptical of promises for a clean credit slate, and check for the company's proper licensing and bonding. Scammers may exploit those with poor credit by demanding payment before services, promising impossible outcomes like a new SSN, or operating without legal compliance. Legitimate credit repair …

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Understanding The Credit Implications Of Co-Signing A Loan 2:54

1d ago2:54

2:54

Co-signing a loan involves significant financial responsibility and risk, impacting your credit score and financial stability. This guide covers the basics, credit impact, responsibilities, risk management, and alternatives to co-signing, helping you make an informed decision.Oleh The Credit Pros

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The Ultimate Guide To Busting Credit Score Myths - The Credit Pros 3:24

1d ago3:24

3:24

Dispelling credit score myths is essential for financial literacy. Soft inquiries do not harm your score, credit utilization is crucial, and payment history significantly impacts your score. Credit age, score discrepancies across bureaus, and the broad influence of credit scores are also highlighted. Improving your score can be simpler than expecte…

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Facebook & LinkedIn Data Breaches: Identity Security 3:39

1d ago3:39

3:39

Identity theft is a growing threat, particularly on social media platforms, costing millions to victims. Types of online identity theft include account takeover, card fraud, and more. Signs of theft include strange transactions and unrecognized accounts. Protecting yourself involves checking financial statements, monitoring credit reports, and usin…

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The Hidden Costs Of Store Credit Cards - The Credit Pros 3:32

1d ago3:32

3:32

Store credit cards offer enticing perks but come with hidden costs like higher interest rates, limited acceptance, lower credit limits, and hidden fees. Understanding these can help make informed financial decisions and avoid potential pitfalls.Oleh The Credit Pros

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Top 10 Summer Credit Score Tips To Boost Financial Health 3:39

1d ago3:39

3:39

This article provides actionable tips to improve your credit score during the summer, covering areas like reviewing your credit report, optimizing credit utilization, managing payment history, diversifying credit mix, and planning summer spending.Oleh The Credit Pros

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Mastering Credit Cards: Making Them Work For You 2:55

1d ago2:55

2:55

Properly managed credit cards are powerful credit-building tools, but credit card debt is detrimental to credit scores. High debt indicates risk to lenders, affecting 30% of FICO scores through the 'Amounts Owed' category. Revolving utilization ratio, the balance-to-limit percentage, should be low to protect scores. Responsible use, like paying ful…

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¿Cómo funciona una línea de crédito sobre el valor de la vivienda (HELOC)? - Los profesionales del crédito 3:10

1d ago3:10

3:10

Una línea de crédito sobre el valor líquido de la vivienda (HELOC) es una línea de crédito renovable con garantía en la vivienda del propietario, que permite retirar fondos hasta un límite establecido y solo pagar intereses sobre la cantidad utilizada. Los HELOC tienen tasas de interés más bajas y son útiles para financiar grandes gastos como refor…

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How You Are Hurting Your Credit Score 3:42

1d ago3:42

3:42

Your credit score may suffer due to unreviewed credit reports, forgotten accounts like utilities, unused credit cards with undetected fraud, high credit utilization ratio, or avoiding credit use altogether. Regularly checking your credit report, closing old accounts, monitoring all card statements, managing credit balances, and responsibly using cr…

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Budget Your First Home - 4 Tips 3:27

1d ago3:27

3:27

The article provides a step-by-step guide on budgeting for your first home. It focuses on choosing the right home size based on current needs, down payment strategies, understanding mortgages, and accounting for additional expenses and payment changes. The goal is to ensure readers make financially responsible decisions when buying their first prim…

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669 Credit Score: Is This Score Bad Or Better? 4:13

1d ago4:13

4:13

A 669 credit score is considered fair, just below the good range, and can qualify you for various loans with reasonable terms. The average US credit score is 716, with 59% of the population scoring between 700-850. It's beneficial to raise a 669 score to access better credit offers. Regular income, timely payments, and managing credit applications …

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Federal Mortgage Forbearance During COVID-19 - The Credit Pros 3:34

1d ago3:34

3:34

The CARES Act provides mortgage forbearance for federally-backed mortgages due to COVID-19, allowing a six-month pause on payments without foreclosure. Borrowers need to request this forbearance and declare financial hardship, which may require minimal proof. Federally-backed mortgages can be checked through Fannie Mae or Freddie Mac websites. Unem…

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600 Credit Score - Is This A Good Credit Score? 3:15

1d ago3:15

3:15

A 600 credit score is considered fair and is below the average for Americans aged 23 to 29, which is 660. It's possible to get loans, but at higher interest rates. Improving credit involves checking credit reports for errors and making timely payments. The highest credit score is 850, and anything over 800 is exceptional. Good credit scores range f…

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Boletín de agosto - Los profesionales del crédito - Los profesionales del crédito 2:41

1d ago2:41

2:41

Los artículos cubren temas financieros: préstamos a plazos, datos de tendencias en créditos y la importancia de los cofirmantes en 2023. Explican cómo funcionan los préstamos, la relevancia del historial de pagos para el crédito, y consejos para elegir un cofirmante.Oleh The Credit Pros

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You Need To Know: Can Fraud Harm Your Credit? - The Credit Pros 3:01

1d ago3:01

3:01

Credit card fraud generally won't affect your credit score unless the replacement card is reported as a new account. Immediate reporting to the card issuer can limit your liability to $50 or less, and notifying credit bureaus can protect you from further fraud. True name fraud, however, is more serious and can severely damage your credit.…

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What Does Coronavirus Crisis Mean For Your Finances? - The Credit Pros 2:46

1d ago2:46

2:46

The coronavirus crisis affects finances by disrupting the stock market, interest rates, employment, and credit accessibility. The Credit Pros advise not to panic and to logically assess the situation, noting that market volatility doesn't directly translate to personal financial impact. It's crucial to contact lenders if payment issues arise due to…

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