If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about credit scores and reports: what they are, how they work, the most common myths people believe, and why it’s time we stop treating credit like a moral compass.Whether you’re building credit for the first time, trying to bounce back from a rough patch, or just wondering why your score dipped after doing the “right” thing - we got you.We cover:<ul><li>The biggest myths about credit (including the one a lot of folks still repeat)</li><li>Why your score is not a moral report card</li><li>How to check your credit and why you must </li><li>The rise of shady credit repair schemes</li><li>Smart ways to build or rebuild without getting scammed</li><li>Credit reports, analogies, and a little tough love</li></ul>Links: <ul><li>Episode 211 - <a href='https://podcasts.apple.com/us/podcast/ep-210-everything-you-were-never-taught-about-bankruptcy/id1562432041?i=1000704319603'>Everything you were never taught about bankruptcy</a> (or watch it <a href='https://youtu.be/UXQXOszLf3Y?si=fOw14JvyGw-Q_45f'>HERE</a>)</li><li><a href='https://www.annualcreditreport.com'>Check your credit report for free at AnnualCreditReport.com</a></li><li><a href='https://www.nfcc.org'>National Foundation for Credit Counseling (NFCC)</a></li><li><a href='https://www.operationhope.org'>Operation HOPE – Financial counseling and education</a></li></ul> Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

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

rich & REGULAR with Kiersten and Julien Saunders

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