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Speaker 1: The Fred Show is on. Is stay or Go?

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Speaker 2: All right?

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Speaker 1: Dylan is see here? Welcome Dylan. How you doing? Good morning? Hey,

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Speaker 1: good morning?

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Speaker 3: How are you?

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Speaker 1: Dylan?

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Speaker 4: Do it?

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Speaker 1: Okay?

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Speaker 4: Freendschiwradio dot com, French Shaw Radio on Instagram. You can

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Speaker 4: hit us up there. What's going on with your girlfriend

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Speaker 4: of two years? Let's do some group therapy right now,

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Speaker 4: shall we?

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Speaker 2: Yeah?

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Speaker 3: Well, okay, So we've been together two years and she

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Speaker 3: wants to move in together and I did two and that.

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Speaker 3: You know, I was excited about it, but everything was

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Speaker 3: going really well, and you know, I care about her

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Speaker 3: a lot.

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Speaker 2: But the thing.

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Speaker 3: Is, when we sent in the application, she was denied

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Speaker 3: because she has bad credit and a passive fiction. Now

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Speaker 3: I knew about the evictions, so she didn't lie, but

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Speaker 3: she didn't realize her.

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Speaker 2: Credit is is?

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Speaker 3: I mean, I guess I don't know if she realized

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Speaker 3: or not, but none of us knew that her credit

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Speaker 3: was that bad.

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Speaker 2: And now I don't know. Man, I'm I'm kind of

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Speaker 2: freaking out because I've always been really good with.

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Speaker 3: Money, and I just you know, when you get together,

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Speaker 3: things get mixed up, and I'm kind of worried about

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Speaker 3: my future.

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Speaker 2: Because she's got this credit iss. She was like, I

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Speaker 2: don't know, is that a red flag for the way

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Speaker 2: she spends? Like? Am I looking too deep into this?

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Speaker 2: Or is this something I really need to watch out for?

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Speaker 4: So she you went to get like a condo or

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Speaker 4: an apartment or whatever, and obviously they look at all

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Speaker 4: that stuff, and you went in together, and it turns

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Speaker 4: out that she I don't know doesn't pay her bills.

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Speaker 1: And I don't know what, I don't know what I mean.

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Speaker 4: I mean, ultimately, I think that's how you get back

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Speaker 4: right right as you you you don't pay your bills

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Speaker 4: right and if you got she had evicted. So why

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Speaker 4: did she get evicted? You know the story she just

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Speaker 4: didn't pay that?

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Speaker 2: Yeah, well she had.

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Speaker 1: I mean I know that, Kiki.

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Speaker 4: If she were here, she'd say, a bill is an

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Speaker 4: invitation to pay, not necessarily a request, but it was

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Speaker 4: actually a demand to pay as a matter of fact.

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Speaker 4: But anyway, I'm sorry you were saying why did she

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Speaker 4: get evicted?

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Speaker 2: She said she had kind.

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Speaker 5: Of a shady landlord and he I don't know, he

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Speaker 5: wasn't like fixing a water heater, and there was some

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Speaker 5: stuff wrong if they never addressed. She was like, Okay,

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Speaker 5: I'm not going to pay the bill until he fixed

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Speaker 5: this stuff, and then it became a whole thing. So

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Speaker 5: I mean, I don't really know if that was her

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Speaker 5: fault or I.

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Speaker 4: Mean, I suppose that that's feasible, but then then the

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Speaker 4: bad credit is it. I mean, those two things combined

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Speaker 4: would make me think she doesn't like to pay bills.

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Speaker 4: I mean, unless the whole credit issue surround is surrounding

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Speaker 4: the eviction. I mean, like, have you been able to

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Speaker 4: see the credit report? Like can you see how bad

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Speaker 4: it is?

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Speaker 5: Well?

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Speaker 1: I might.

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Speaker 4: I might be like, look, we can't get a condo

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Speaker 4: because together, because you have bad credits. So we need

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Speaker 4: to look at this thing and figure out how we're

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Speaker 4: going to resolve it. I feel like that's a conversation

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Speaker 4: you need to have if you think you're going to

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Speaker 4: marry this person, be like, let's look at this thing.

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Speaker 2: Yeah, so you think that's the way to go about it.

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Speaker 2: It's kind of just ask for specifics and see if

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Speaker 2: like you know that.

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Speaker 1: Well, I think it's important to know why. I mean, like,

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Speaker 1: is it okay?

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Speaker 4: So she got evictim she claims because her landlord was

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Speaker 4: mistreating her or violating the lease. So she didn't pay that,

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Speaker 4: And if the entire credit issue is related to that, well,

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Speaker 4: then I don't know, You've got to try and resolve

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Speaker 4: that somehow. But if you look at the credit and

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Speaker 4: find that like, yeah, there was that, and then she's

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Speaker 4: got a gazillion dollars in credit card that she doesn't

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Speaker 4: pay and this and that and whatever, then I think

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Speaker 4: you're beginning to see a pattern about somebody who isn't

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Speaker 4: very responsible with money. And then I think you have

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Speaker 4: to think about, you know, whether you want to take

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Speaker 4: that on or not, because ultimately it clearly it's going

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Speaker 4: to affect your ability to do things as a couple

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Speaker 4: because you can't even get a place to live together.

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Speaker 6: Yes, Paulina, well you know, maybe maybe Patty is her

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Speaker 6: name is Patty?

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Speaker 2: Right?

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Speaker 1: Is her name Patty? I don't know, no credit everybody.

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Speaker 4: Yeah, the lady who's attacking Jason on Instagram has a

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Speaker 4: bad credit we heard, and she's dating Dylan. His name

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Speaker 4: is Dylan so, and we don't know the girlfriend's name.

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Speaker 4: We'll call her bad credit babe.

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Speaker 1: Bad credit babe. You know listen.

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Speaker 6: Credit is like wait, right, it fluctuates, yes, yes, it can't.

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Speaker 1: Maybe his girlfriend was pursuing her.

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Speaker 6: Dreams and radio kind of like I did, and like

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Speaker 6: what happens is, you know, you have to live on

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Speaker 6: credit cards for a little bit, right, you know what

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Speaker 6: I mean? Like sometimes bills are not paid on time

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Speaker 6: and all of that stuff. But then you know, you're

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Speaker 6: just a certain age. You want you do want to

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Speaker 6: do better in life, and there's places and people that

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Speaker 6: can help you fix your credit. And I really do

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Speaker 6: believe that as long as she's trying, and she's very

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Speaker 6: aware of this and she's actually making that effort, I

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Speaker 6: think they'll be all right.

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Speaker 4: Well, that's why I'm saying, sit down, they're gonna have

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Speaker 4: to have like a real conversation about this and look

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Speaker 4: at what you're really on the table. And again, if

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Speaker 4: it's all related to one matter, or if she's working

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Speaker 4: to resolve it, that's one thing. But if she's not

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Speaker 4: doing anything about it and she's like, oh yeah, I yes,

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Speaker 4: I don't know, well, then that is probably indicative of

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Speaker 4: her philosophy on money.

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Speaker 1: Yes, rufio.

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Speaker 7: The problem is, you guys should have had this conversation

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Speaker 7: before you filled out this credit report, because now that's

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Speaker 7: a hit for both of you.

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Speaker 1: Not getting this this this apartment.

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Speaker 7: Like, if you know your credits at bad and you're

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Speaker 7: gonna fill out a credit like you you know you're

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Speaker 7: gonna get denied, that's not a that's a red flag

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Speaker 7: to me. Like you, you're just gonna fill out this

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Speaker 7: credit application to be l.

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Speaker 1: She had to know that there was going to be

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Speaker 1: a problem, exactly. Yeah, she was erased.

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Speaker 2: She told me about the eviction, so I didn't know that.

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Speaker 1: But that wasn't her fault, you know.

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Speaker 4: And again, if it's that bad, you hire an attorney,

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Speaker 4: and you know, then it never it never goes that

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Speaker 4: far or you're able to rectify it. I would imagine

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Speaker 4: if it's that bad.

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Speaker 2: Do you think if we're not paying bills we can

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Speaker 2: get an attorney.

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Speaker 1: Well, there's that too. I guess.

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Speaker 4: Let me take some phone calls on this, dude. This

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Speaker 4: is interesting. I see both.

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Speaker 2: Sides that I'm just stressed out.

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Speaker 4: No, it's all right, man, Dylan. I appreciate you, and

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Speaker 4: have the radio on. Well we're gonna talk about you

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Speaker 4: behind your back now. Good luck, Patty. Yeah, tell Patty,

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Speaker 4: tell a bad credit babe, and she needs to pay

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Speaker 4: her bills eight five five five three five. I mean,

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Speaker 4: I do think it matters why her credit is so bad.

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Speaker 4: You know, if it's if it's truly like because of

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Speaker 4: this issue she went through, or if she's got student loans,

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Speaker 4: or if she went through a hard time and she's

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Speaker 4: to Paulina's point and she's looking to fix it, then

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Speaker 4: that's one thing. But if it's like, I don't know,

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Speaker 4: I just bought a bunch of crap on my credit

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Speaker 4: card and don't feel like paying for it, you know

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Speaker 4: that that's probably a larger issue, you know, and I

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Speaker 4: don't think anybody wants to be with someone they had

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Speaker 4: to put on an all or whatever.

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Speaker 1: Nick, how you doing?

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Speaker 2: Hey?

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Speaker 1: Nick? What do you think? Man? So this woman, this.

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Speaker 4: Guy you found out that his girlfriend of two years

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Speaker 4: has really really bad credit. He only kind of knew

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Speaker 4: about part of the story.

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Speaker 1: What do you think I think he should say?

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Speaker 3: You know, people make bad decisions when they're younger and

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Speaker 3: ruin their credit.

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Speaker 2: That doesn't mean they don't deserve a sect a chance

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Speaker 2: to make their life better.

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Speaker 4: Yeah, I mean I get that. I think he just

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Speaker 4: he needs in all the details. He needs to know

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Speaker 4: what she's doing about it, because so they're going to

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Speaker 4: have to sit down and have an awkward conversation where

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Speaker 4: he's like, let me see this thing, yeah, you know,

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Speaker 4: and let's talk about how we got here and how

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Speaker 4: we're going to get out of it, and we're gonna

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Speaker 4: be together because you know, his credit his credit and

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Speaker 4: hers is hers. But yet if they can't get you know,

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Speaker 4: if they can't get a lease, then they're not going

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Speaker 4: to get a mortgage. More than likely it's going to

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Speaker 4: follow her forever. So I feel like if if he

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Speaker 4: wants to be with her, then he has to help

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Speaker 4: her fix it. Thank you, Nick, have a good day,

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Speaker 4: as you call it. But I mean, this is what

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Speaker 4: I will say. If it's simply a matter of irresponsible

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Speaker 4: spending for years and years and she just doesn't care

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Speaker 4: and doesn't that is like indifferent about it now, that

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Speaker 4: to me would be something you really have to think about, right.

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Speaker 4: But if it's just a series of bad luck, you know,

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Speaker 4: the incidentstant that might be different.

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Speaker 1: Hey Austin, Hey, how's there going? Hey man, what do

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Speaker 1: you think is there go?

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Speaker 8: I think he should say why, Well, I mean when

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Speaker 8: I was and I had that same problem with my credit,

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Speaker 8: you know, then they never really taught us in school

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Speaker 8: how to maintain good credit. She said, kind of like, wait,

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Speaker 8: I mean I.

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Speaker 2: Don't really agree about that, but it does.

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Speaker 8: It does fluctuate, you know, But as long as you

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Speaker 8: guys sit down.

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Speaker 1: And work it out together.

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Speaker 8: My girlfriend put me on her credit card which's called diiggybacking,

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Speaker 8: and then actually bumped my credit up. So I mean,

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Speaker 8: as long as you got that partner that's willing to

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Speaker 8: sit there and help you build your credit back up,

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Speaker 8: you know, as long as you see efforts.

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Speaker 4: Yeah, you know, it makes sense. Austin, thank you man,

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Speaker 4: have a good day.

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Speaker 1: Yeah.

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Speaker 4: I agree with Ruvio though, Like she knew this was coming, right,

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Speaker 4: so why didn't they have this conversation ahead of time?

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Speaker 2: Hey, Brittany, Hey, how's it going?

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Speaker 6: Hey?

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Speaker 1: How are you good? Mornings? There? Go?

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Speaker 5: Good SKay?

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Speaker 9: Okay, as long as well, I don't know, I have

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Speaker 9: bad credit due to student loans and medical bills and stuff.

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Speaker 9: And I've been with my boyfriend of almost sixteen years now,

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Speaker 9: and we just decided to we don't we decide not

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Speaker 9: to get married legally, and I don't. He's got good credit,

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Speaker 9: he owns the house that we live in, and we're happy, okay, so.

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Speaker 4: He doesn't eemn have I mean because he's aware of

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Speaker 4: the situation, he knows the reason why, and you're working

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Speaker 4: on it.

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Speaker 1: I assume.

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Speaker 9: Yeah, well, I've been a stay at home mom for

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Speaker 9: the past six years now, and well I would have

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Speaker 9: to file bankruptcy. It's ah, you know, you know, like

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Speaker 9: he's helping me work on it because he's really good with.

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Speaker 1: Money, and I'm not.

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Speaker 9: No, he's been helping me over the years improve myself

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Speaker 9: as far as money goes.

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Speaker 2: But I'm okay with not getting married.

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Speaker 5: Because I know that.

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Speaker 1: You know, the credit is.

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Speaker 5: A big thing when you can bind all that.

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Speaker 9: When you've got good credit and I have bad credit,

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Speaker 9: we wouldn't be.

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Speaker 5: Where we are right now we got married.

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Speaker 1: I see, okay, before I fixed my credit. Well, Brittany,

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Speaker 1: good luck. Thanks for calling.

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Speaker 5: A good one.

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Speaker 1: I mean, I mean, it's all on the table. I

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Speaker 1: guess you know.

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Speaker 4: Her partner knows what he's right, he knows what he's

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Speaker 4: dealing exactly.

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Speaker 1: Yeah.

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Speaker 4: Hey, Lindsay, Hi, Lindsay, Hey, good morning. So this dude,

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Speaker 4: Dylan called. He's been dating a woman for two years.

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Speaker 4: They tried to get an apartment together, only to find

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Speaker 4: out that they can't because her credit is so bad.

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Speaker 4: She says, well, I had and she was evicted. He

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Speaker 4: says that wasn't her fault, it was a landlord dispute.

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Speaker 4: But the credit is really bad, and now he's wondering, like,

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Speaker 4: can I be in a relationship with this woman?

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Speaker 1: What do you think?

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Speaker 10: Okay, so I think one he should stay. But I'm

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Speaker 10: actually a leasing consultant in Schomberg, so I go through

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Speaker 10: this on the daily with applications. So when they came

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Speaker 10: to the apartment complex, the leasing consultant should have explained

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Speaker 10: to them how deep the credit screening was, because if

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Speaker 10: they would have, she simply could have been like, Okay,

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Speaker 10: you know what, there's a new fiction on my record.

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Speaker 10: Because let me tell you, everything shows up. We see everything.

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Speaker 10: I'm that credit report. So she should have known right

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Speaker 10: off the bat, Hey, just so you know, my credit's

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Speaker 10: really bad, like it's probably going to get denied. So

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Speaker 10: then maybe they could have taken a step back and

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Speaker 10: been like, you know what, we're going to think about it.

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Speaker 10: Let's come back to this, and then they should have

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Speaker 10: had a conversation.

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Speaker 1: Yeah, can he rent a place on his own, but

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Speaker 1: he could repair it.

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Speaker 4: Could he have just said I'm going to be on

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Speaker 4: the lease and she's going to live there too, and

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Speaker 4: then it never would have come into question.

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Speaker 10: Well, technically no, because anyone that's over the age of

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Speaker 10: eighteen that's going to be occupying in the unit has

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Speaker 10: to be on the lease and they.

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Speaker 1: Have the credit going through a landing, though they didn't

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Speaker 1: have to go through like a leasing agent.

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Speaker 7: You, landlord, I can do the same thing, right, He's

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Speaker 7: going to see the same creditor point, but he's not

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Speaker 7: going to warn you. I'm going to see it.

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Speaker 4: Oh that's true. That's true. Yeah, that's possible. Yeah maybe

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Speaker 4: so yeah, interesting, you could say.

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Speaker 10: She could repair It's not that. I mean, I don't

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Speaker 10: think it's the end.

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Speaker 2: Of the world.

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Speaker 1: Fair enough, Thank you, lind I appreciate that. Have a

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Speaker 1: good day. All depends.

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Speaker 7: It all depends, like Fred says, like if she cares,

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Speaker 7: you know what I'm saying, Like, is she just racking

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Speaker 7: up debt and without caring or does she want to

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Speaker 7: fix it?

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Speaker 4: Yeah, if you had bad spending habitage as a kid,

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Speaker 4: or you made poor decisions or bad stuff happened, that's

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Speaker 4: one thing. Or medical bills like this one woman, and

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Speaker 4: if you're if you've got a plan and there's something

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Speaker 4: in place, to try and fix it and make it better,

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Speaker 4: that's one thing. But again, if she's oh, yeah, I

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Speaker 4: guess I do have big credit, and then it's like,

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Speaker 4: what do you mean, Oh yeah, I got a gazillion

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Speaker 4: dollars in credit card dead and I'm still spending, I'd

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Speaker 4: be like, yo card right, Like this is this is

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Speaker 4: a problem? Is this something I want to take on?

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Speaker 4: I think that's very different, hey, Naomi question? Yeah, Naomi,

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Speaker 4: the first go the first one and maybe the only one.

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Speaker 1: Why go?

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Speaker 2: Okay?

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Speaker 11: So I think if he really loved her, this wouldn't

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Speaker 11: you even to be a factor. He would help her.

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Speaker 11: But I don't think this is real luck here because

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Speaker 11: if you sitting here calling you guys, asking me if

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Speaker 11: you should stay or go, like, I don't think there's

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Speaker 11: he doesn't truly love her, so maybe he should just

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Speaker 11: end it now before it goes on any further.

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Speaker 4: You're saying if he has to call strangers for reinforcement,

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Speaker 4: that maybe it's not a real thing much.

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Speaker 11: I think so, because if I really love somebody and

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Speaker 11: I feel like, okay, they need to help with their credit,

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Speaker 11: let's fix here, because we're gonna have a feature together,

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Speaker 11: let's do it. But he seems really unsure and I

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Speaker 11: just don't know.

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Speaker 4: It is interesting. I always love it when people, I mean,

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Speaker 4: this is our job, you know, to feel calls. So please,

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Speaker 4: by all means call a bunch of strangers and ask

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Speaker 4: us what we think about everything. Let's open it up

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Speaker 4: to the whole city too.

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Speaker 1: Let's do it. Also, I would feel.

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Speaker 7: Jaded that, like, you know, we fill out this credit

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Speaker 7: application together, you don't say you got bad credit.

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Speaker 1: That's a hit on my credit. Now you know what

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Speaker 1: I'm saying. That is anytime you apply, it's a it's

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Speaker 1: a hit for your credit. Clearly bad credit and having

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Speaker 1: has a good credit because right personal year married.

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Speaker 4: Thank you, Naiolmi have a good day. Well, Jeans, I

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Speaker 4: know his promise was very powerful. You secured the bag

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Speaker 4: and he secured It's making a lot of sense to

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Speaker 4: me now. The Entertainer Report is next with Cantlin two

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Speaker 4: minutes away. Fred's show is on and commercial free.