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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security.

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Speaker 3: How did your journey end up to where you are now?

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Speaker 4: Yeah, so it kind of happened by accident. Like literally,

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Speaker 4: I was in college and I that was the first

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Speaker 4: time I realized I did not have good credit. I

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Speaker 4: tried to get a car. They wanted me to finance

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Speaker 4: it at like twenty eight percent. I took it because

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Speaker 4: I didn't even I didn't even hear yeah, because I

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Speaker 4: didn't grow up learning about credit or knowing about credit.

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Speaker 4: It wasn't a thing. So by the time I realized

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Speaker 4: I had bad credit, it was too late. I was

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Speaker 4: already made contracts. So when I, you know, went to

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Speaker 4: renew my car, they told me, you know, hey, you can't.

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Speaker 4: You you're gonna take negative equity into your new loan.

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Speaker 4: You need to fix your credit. And I just went

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Speaker 4: home and I just started researching it. So as I

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Speaker 4: began to like fix my own credit, repair it and

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Speaker 4: like build, I started like telling my family and friends

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Speaker 4: about it, like things to do, things that were working

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Speaker 4: for me. And it started with me starting a Facebook

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Speaker 4: group with like ten people just for my family and friends,

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Speaker 4: and that ended up that group now has over like

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Speaker 4: six hundred thousand people. But it's started just in that group,

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Speaker 4: me thinking I'm sharing credit information with family and friends.

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Speaker 4: And I ended up going to school for changing my major,

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Speaker 4: switching my major, studying it, getting certified, getting board certified,

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Speaker 4: and it kind of just happened like that, I started

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Speaker 4: trying to fix my own and then I just like

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Speaker 4: became obsessed and fell in love with.

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Speaker 5: Credit twenty eight percent Were you aware that's your credit?

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Speaker 5: I mean, obviously it was a surprise to you.

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Speaker 3: But what were the.

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Speaker 5: Things that you were doing looking back that were negatively

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Speaker 5: affecting your credit.

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Speaker 4: I think my biggest thing was I wasn't I hadn't

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Speaker 4: built credit at that point, like it was it was.

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Speaker 4: I was always taught no credit cards, cash by everything.

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Speaker 4: If you if you don't have the money for it,

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Speaker 4: you can't afford it. Now I know that, of course

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Speaker 4: it's not true. But living that way, you know, caused

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Speaker 4: me to not have credit. And then the credit that

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Speaker 4: I did have, I had like a few collections, just

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Speaker 4: low level like T mobile phone bills and stuff like that.

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Speaker 4: But yeah, so I had no credit in it. On

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Speaker 4: top of that, I had a few bad accounts, gotcha. Yeah?

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Speaker 3: So okay, so when did you start teaching credit?

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Speaker 4: So it started, like I said, with just teaching sharing information,

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Speaker 4: I would say, with my family and friends. I didn't

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Speaker 4: start officially teaching it until I got certified. So I

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Speaker 4: was certified through Fiightoh and then I went to get

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Speaker 4: board certified as a credit educator, and so that was

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Speaker 4: when I was like comfortable with sharing information. I'm just

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Speaker 4: the type that I don't like to teach or educate

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Speaker 4: about anything that I don't feel like I'm an expert in,

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Speaker 4: especially online because you know, people people crazy. So yeah,

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Speaker 4: I definitely after I realized like I had a passion

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Speaker 4: for it. I knew that this was something that the

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Speaker 4: people that looked like me in my community. I knew

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Speaker 4: that this this was something that they was missing, and

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Speaker 4: I knew that I could explain it in a way

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Speaker 4: that they can they would understand, which is what was

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Speaker 4: like the driving force around me getting the formal education

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Speaker 4: and then like translating it to my audience and people.

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Speaker 3: That look certification, Yes, what is that?

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Speaker 4: Oh they need the program back. But it was a

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Speaker 4: program where you would go through it was eight weeks

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Speaker 4: and you would literally just learn the ins and outs

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Speaker 4: of the FICO score, like everything, how every single point

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Speaker 4: is allocated, how how your credit we had to break

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Speaker 4: down a credit report. I'm able to like look at

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Speaker 4: a credit report and immediately identify any areas of opportunity

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Speaker 4: like they teach the FYCAL course taught you in a

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Speaker 4: way that credit is not being taught anymore. It was

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Speaker 4: just like diving in detail about how every single item

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Speaker 4: affects your score, things that will lend points to your score,

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Speaker 4: and it just kind of took the mask off, I

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Speaker 4: would say, of just credit score.

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Speaker 5: When we talk about fycle, a lot of people what's

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Speaker 5: your fycle score?

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Speaker 2: What's your credit score? Yes?

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Speaker 5: How does this work? Because we know that this bureau's Experience, Equifax, TransUnion,

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Speaker 5: and then this fycle are the scores from those three

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Speaker 5: bureaus average and now becomes your fighters How does that work?

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Speaker 4: So the easiest way to explain it is we have

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Speaker 4: three separate credit scores. They're assigned by TransUnion, Echo, FAXX

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Speaker 4: and Experience. So those are three scores that you'll you'll

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Speaker 4: you're assigned now when it to FIGHTO score in credit score,

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Speaker 4: FCO score is the industry standard, So like if you're

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Speaker 4: purchasing a home, if you're buying a car, applying for

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Speaker 4: a credit card, they're going off your fight Go score.

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Speaker 4: The difference is most people are only privy of their

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Speaker 4: Vantage Score, which is essentially just like a free version

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Speaker 4: of FYCO score, and that is like when you have

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Speaker 4: credit karma. Most credit monitors are your apps earners.

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Speaker 2: What's up?

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Speaker 5: You ever walk into a small business and everything just

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Speaker 5: works like The checkout is fast, the re seats are digital,

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Speaker 5: tipping is a breeze, and you're out the door before

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Speaker 5: the line even builds. Odds are they're using Square. We

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Speaker 5: love supporting businesses that run on Square because it just

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Speaker 5: feels seamless. Whether it's a local coffee shop, a vendor

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Speaker 5: at a pop up market, or even one of our

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Speaker 5: merch partners, Square makes it easy for them to take payments,

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Speaker 5: manage inventory, and run their business with confidence, all from

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Speaker 5: one simple system. If you're a business owner or even

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Speaker 5: just thinking about launch something soon, Square is hands down

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Speaker 5: one of the best tools out there to help you start, run,

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Speaker 5: and grow. It's not just about payments, it's about giving

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Speaker 5: you time back so you can focus on what matters

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Speaker 5: most ready. To see how Square can transform your business,

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Speaker 5: visit Square dot com backslash, go backslash eyl to learn

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Speaker 5: can keep pushing your vision forward. This episode is brought

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Speaker 5: to you by P and C Bank. A lot of

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Speaker 5: Member FDIC.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas. Man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, Attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of.

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Speaker 4: Homeland Security, will give you your advantage score as opposed

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Speaker 4: to your fight a score, which is why a lot

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Speaker 4: of times people will think that they know what their

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Speaker 4: credit score is and they'll go apply for something and

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Speaker 4: they're like, well, credit carder was telling me I had

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Speaker 4: a six fifty, but the car lot is telling me

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Speaker 4: I have a five forty. So there are three different

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Speaker 4: credit scores and within to not make a complex, FICHO

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Speaker 4: has many different models, so depending on what you're applying for,

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Speaker 4: the lender will choose a different model that they'll pull.

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Speaker 5: I think I've seen that. So it was like, if

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Speaker 5: I needed a loan, it was like Fyco score eight. Well, yeah,

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Speaker 5: if I needed a credit card, it was different. Bureaus

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Speaker 5: inside of it, and they could be similar, or they

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Speaker 5: could be vastly different.

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Speaker 4: They could be vastly different.

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Speaker 5: They're differently true.

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Speaker 4: So the ones that I like to talk about because

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Speaker 4: I think that everyone should be aware of these different ones.

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Speaker 4: Fyco eight is the one that's used the most, so

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Speaker 4: especially when you're applying for credit cards, some car and

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Speaker 4: personal loans, they're going to use Pyco eight. When you're

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Speaker 4: purchasing a home, they're specifically going to use Fichos two, four,

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Speaker 4: and five, which are known as the mortgage scores. If

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Speaker 4: you're purchasing a car, they're going to use your your

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Speaker 4: FYCO five, I mean your Fyco six, which is your

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Speaker 4: auto score. So there's those are like the three most

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Speaker 4: used versions or widely used versions of your Fyco score.

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Speaker 4: But the way that I teach credit you, when you

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Speaker 4: fix your credit profile, it'll translate across all scores, which

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Speaker 4: is why I don't necessarily like place too much emphasis

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Speaker 4: on the different versions of your Fyco score, because if

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Speaker 4: you have a healthy profile, it'll translate regardless of which

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Speaker 4: score is pulled.

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Speaker 3: You be healthy. Yeah, So what factors contribute to your

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Speaker 3: personal credit score?

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Speaker 4: So credit score is your credit score is broken down

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Speaker 4: into five categories. Right, so most people know your payment

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Speaker 4: history is thirty five percent, or credit utilization is thirty percent,

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Speaker 4: credit age is fifteen percent, and then hard inquiries and

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Speaker 4: credit mix are both ten percent. Right, So those are

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Speaker 4: the five factors that lend to your credit scores. Now

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Speaker 4: they're weighted differently. So payment history is thirty or is

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Speaker 4: thirty five percent or worth up to one hundred and

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Speaker 4: ninety two point five points. Credit utilization is worth one

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Speaker 4: hundred and sixty five points, credit age is worth eighty

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Speaker 4: two point five points, and then hard increase and credit

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Speaker 4: mix are both worth fifty five points each. Right, So

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Speaker 4: those are the separate factors. And when you're building your credit,

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Speaker 4: if you focus on those top three categories, which is

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Speaker 4: credit utilization, payment history, and credit age, you'll have at

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Speaker 4: least like a six eighty, six, ninety, and sometimes even

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Speaker 4: a seven hundred depending.

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Speaker 3: On So can you go through each one of those

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Speaker 3: top three like, yeah, credit utilization explain, I definitely can't.

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Speaker 4: So pay me history is the largest factor in your

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Speaker 4: credit score. So in Layman's term, to pay your bills

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Speaker 4: on time if you cannot make a pay schedule and

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Speaker 4: arrangement with the with your bank because the second that

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Speaker 4: your bank reports a lay payment, which is a payment

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Speaker 4: that's thirty days pass to do date, you will have

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Speaker 4: a lay payment. Because your payment history is the largest factor.

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Speaker 4: One lay payment can literally drop your score up to

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Speaker 4: one hundred points depending and so then credit utilization, which

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Speaker 4: is one that's slept on and honestly, it's the one

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Speaker 4: to me that has the most immediate impact on your score.

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Speaker 4: So what I mean by that is your credit utilization

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Speaker 4: is pertaining to credit cards. So how much you're using

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Speaker 4: your credit card, how much, how much balance, how much

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Speaker 4: of a balance you carry over to the next month,

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Speaker 4: is going to determine your utilization. Keeping that below ten

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Speaker 4: percent is going to do wonders for any profile. And

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Speaker 4: then credit age is something that when you're in the

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Speaker 4: beginning of building your credit, you're not really going to

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Speaker 4: have any control over that. As you open to account,

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Speaker 4: close new accounts. If you are repairing your credit and

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Speaker 4: you're getting things deleted, that also affects your credit age

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Speaker 4: because it is an average. So after you after you

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Speaker 4: get your your basic base level credit profile, and we

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Speaker 4: can go into that, don't apply for anything for six

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Speaker 4: to six to nine months, and that'll that'll AI to

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Speaker 4: improving your credit age, because that's the most take that

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Speaker 4: a lot of people make when they're building credit. The

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Speaker 4: probably the number one mistake, which is what applying too fast,

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Speaker 4: trying to build credit too fast, trying to thinking that

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Speaker 4: anything that they apply for and get approved for it's

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Speaker 4: a great thing for their credit profile.

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Speaker 1: And illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fine nearly

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Speaker 1: one thousand dollars a day, imprisoned and deported, you will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,