In this episode of The Credit You Deserve podcast, host David Murphy discusses the importance of credit scores, how credit scores are calculated, ways to check your credit score, steps to improve a low score, dealing with identity theft, what credit bureaus to use, credit freezes, being intentional with applying for new credit cards, factors that impact your score like missed payments and inquiries, advice for those with no credit history, and the benefits of working with a local credit union for personalized guidance on improving your credit.
Murphy and guest Breanna emphasize monitoring your credit report regularly, being cautious about applying for store credit cards, and building relationships with local lenders who can provide more flexibility. The key takeaways are to check your credit score, start taking steps to improve it if needed, and meet with credit union staff for guidance.
- How to freeze your credit
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