Listen Now

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

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

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

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    

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.

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

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        

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

We try not to be biased on this one....   Let us know what you think?   *****Special ALERT**** We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process. SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

There has been new changes to the FCRA consumer rights disclosures. In this episode we break it down bit by bit, just for YOU! ALSO!!!   *****Special ALERT**** We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process. SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

We received a simple question from a listener that turned into a long conversation about CELL PHONE payment history and credit reports. Can you report your good payment history to your credit reports? Listen to this episode and find out! We also discuss inquiries, and if they can be removed from your credit report if a creditor does not have written permission to pull your credit. A very interesting discussion takes place about finding bad info on the internet, and a perfect example is given on the show. Thanks for listening! In this episode we break it down bit by bit, just for YOU! ALSO!!!*****Special ALERT****  We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process.  SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

The figures above sound totally ridiculous but this form of borrowing is again legal. It certainly is not right. In this Episode we discuss and breakdown the actual numbers! Anselmo was auditing a clients credit report when he noticed the loan on the report and was shocked by the numbers that were in front of him.  These loans are the true example of the cost of having bad credit, as Good Credit Joe would never have to use these loans! Would a starving person eat poisoned food?  In this episode we break it down bit by bit, just for YOU! ALSO!!!*****Special ALERT****  We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process.  SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com  

Something that is going to happen to everyone, which is death. You may lose a loved one at some point in life, or maybe it has already happened to you. What happens to their credit and debt affairs when they pass away?  In this episode we tackle a few very real questions: What happens to your debt when you die? Do you inherit your family's debt? What happens to your credit report when you die? Are all debts forgiven at death? What happens to secured debts ? And much more! In this episode we break it down bit by bit, just for YOU! ALSO!!!*****Special ALERT****   We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process.  SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

CREDIT REPAIR or BANKRUPTCY ? THE age old question. It's a very complicated answer and certainly one that requires a full understanding of all your debt relief options. Just because your neightbor or brother in law filed for bankruptcy, it does not mean bankruptcy is the right solution for you. One of the biggest decisions consumers often make while being uninformed and not truly understanding the consequences of filing for bankruptcy. The worst thing you can do is file for bankruptcy when you should have to.  In this episode we break it down bit by bit, just for YOU! ALSO!!!*****Special ALERT****   We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey. Send us an email at TheExtraCreditShow@gmail.com so we can set up a credit review and determine if your case is a good fit for our credit repair process.  SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

In this episode we bust a few more myths that plague the credit scoring world.   1.) Does "opting out" of pre screened offers boost your score? 2.) Does paying more than the minimum payment on a car loan build your score faster? 3.) Does paying a credit card or loan more than once a month impove your score faster? 4.) Do you have to continue to use a credit account to continue to build credit? 5.) Does Paying off your credit card in full each month the best way to improve your score?   SUBMIT YOUR QUESTIONS TO US: theExtracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

Can you to Jail for not paying your debt? We like to say a hard NO on this answer, but it's actually really complex. (Aren't all credit answers a bit complicated?)   In this episode we discuss in detail how debt collectors are using the civil system to enforce debts and how they abuse it to land consumers in jail. A very disturbing trend that has garnered attention from the ACLU and major media outlets who are not reporting some egregious cases of how consumers ended up in jail for unpaid debt. Take a listen, inform yourself, and share this episode with everybody you know!   SUBMIT YOUR QUESTIONS TO US: thextracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

This week we mashup a few headlines that make waves this week regarding credit scores. Vantage coming into the Mortgage Market was put off by Fannie Mae and Freddie Mac, which is an interesting twist of event. Also - Equifax comes up with a funny defense for their class action lawsuit that resulted after they exposed everybodys personal information. We also got our hands on an analysis of Renting a home VS Buying a home, and how long it takes to break even. Very interesting insight that we discuss and throw in our 2 cents opinion on the current real estate market.    SUBMIT YOUR QUESTIONS TO US: thextracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

In this episode we tackle questions submitted by YOU, our awesome listeners.  1.)  Why is it that when people come to my house to sell stuff, they are offering me a 20% interest despide my score being 760+?  2.)  In the last 6 months, I've paid of also of my credit cards that were charged off. My score has barely budged, why is my score not moving? 3.) Can the Government send my account to collections? 4.) A debt collector is wanting to schedule an appointment with me to "serve" me with court papers, and they keep saying I need to have two forms of ID ready. Should I be worried? SUBMIT YOUR QUESTIONS TO US: thextracreditshow@gmail.com Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com

We have been working on discussing student loans on the show for a while now! It's such a complex subject that we finally just decided to jump right in and start discussing it. This will be a subject that will require multiple episodes, but this is the first one that really breaks down the differences in the credit reporting and credit scoring rules that Student loans have vs. Regular consumer loans.  If you have student loans and really want to understand them, this will be a great start! Thanks for listening!  Share this episode with everyone you know that will benefit from it. 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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com  

A common saying in the office that we find ourselves telling our client is "You are leaving too many points on the table" - and that is normally because the client is wanting to run their credit aka apply for credit at the wrong time. Timing in the credit world can make a huge difference in the credit score your lender sees when they calculate your score. In this episode we discuss how we coach our clients into optimizing their credit score and learning to time their inquiry/credit application so that the score is the highest it could possibly be for their particular credit profile.  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 and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc. - take a listen to the minds of two passionate long time credit repair experts. Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found. Instagram: @TheExtraCreditShow Facebook: www.facebook.com/TheExtraCreditShow Web: www.TheExtraCreditShow.com Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY Contact: TheExtraCreditShow@gmail.com