Credit Coaching by Kristi

The Big Credit Bureaus are selling your information - and they are making bank by doing so! Listen in as you Coach shares 2 ways to protect your information from being sold to companies who want to know your profile and solicit to you. Questions@creditkristi.com for questions or show ideas https://www.optoutprescreen.com/ to opt out To freeze your credit: Experian.com Equifax.com Transunion.com https://www.innovis.com/

Have you wondered, what is worse? Bad credit or no credit? Listen in to learn what "the decision makers" when it comes to extending credit want to see. Questions@creditkristi.com

Let's listen in to some additional details regarding zero percent balance transfers on credit cards. Questions@creditkristi.com

Credit card balances are at the highest level in history. In fact, over $1.115 TRILLION is the current outstanding credit card balances for Americans! 1 in every 5 credit card holders are "maxed out" meaning they have greater than 90% of their limit as a balance. APRs are also the highest we've seen, ever! What is going on and what can we do about it? Questions@CreditKristi.com

There is a very important term in finance called Debt Ratio. You should have an understanding of what it means, what it says about you and your spending/debt load, and why it's important to keep it in check. Whether you are thinking about and preparing to buy a home or just want to figure out your debt levels and adjust what's not working in your life, understanding your DTI (Debt To Income) Ratio is an important one to know! Questions@creditkristi.com