Credit Coaching by Kristi

Holiday Spending: Healing the Kid Inside You (Without Wrecking Your Credit)

So many adults overspend during the holidays because they’re trying to give their kids what they never had — not realizing they’re actually trying to heal a younger version of themselves. It’s love… but misdirected. And it often leads to debt and anxiety come January. This episode helps listeners: * Spot emotional spending * Understand their triggers * Build boundaries that still let them be generous * Protect their credit + peace Questions@creditkristi.com

Ways To Get Out Of Debt (it doesn't include winning the lotto)

Millions of people feel like they are drowning in debt. $700+ car payments, tens of thousands in student loans and credit card balances, and month after month, payment after payment, it feels like a dent hasn't even been made. Listen in as your coach shares ideas and suggestions inspired by a podcast episode she was listening to from BiggerPockets.com. Questions@creditkristi.com Finish Financially Free Book on Amazon: https://a.co/d/eBOMxuK

Medical Debts On Your Credit Report

In the not too distant past, smaller medical debts that become collections were no longer allowed to be added/reported to your credit report. Unpaid medical debt remains the leading cause of consumer credit damage.Well, a Texas judge recently overturned that and well... the CFPB (Consumer Financial Protection Bureau) doesn't seem to be putting the gloves on to fight this fight. So what can you do if this is your struggle? The Fair Debt Collection Practices Act [https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text] (FDCPA) prohibits harassment and requires validation of debts. The Fair Credit Reporting Act [https://www.ftc.gov/business-guidance/privacy-security/credit-reporting] (FCRA) lets consumers dispute inaccurate or duplicate debts.If you’re struggling with medical debt, check whether your state, county or city offers assistance programs.UndueMedicalDebt.org [UndueMedicalDebt.org] Explore nonprofit aid organizations. Groups like the Healthwell Foundation or PAN Foundation may help with treatment costs or prescriptions. Questions@creditkristi.com

Gen Z's Are Anxious About their Credit Situation

I read an article that gave some startling stats on Gen Z's: a BIG percentage are quite nervous, or more like anxious, about their credit profile. Many have not even checked their credit before! Yikes! If you are or know a Gen Z, please share this episode with them so they can learn the 5 pillars that is the foundation of their credit scores. Having a solid credit profile is essential to have a great financial plan. And my newest book is now available! Pick up your copy at https://a.co/d/hPA81Aw Questions@creditkristi.com

Buy Now, Pay Later Loans Will Be Added To Your Credit Profile

Do you utilize Buy Now, Pay Later loans? A few of them had shown up on credit (Affirm is known for reporting) but many only appear on your credit report if you are late or it becomes a collection. But starting Fall 2025, BNPL loans will be added to your credit profile, which can help lots of people with thin or no credit to establish a credit profile. If you are struggling with debt and need help or a way out from under it all, consider https://www.nfcc.org/ to negotiate with your creditors for better terms and rates. These are non profit credit counseling agencies. Please DO NOT go to National Debt Relief or a company similar. They will destroy your credit and stick your creditors. Check out my Peopling book: https://a.co/d/6xC7A6F [https://a.co/d/6xC7A6F] Questions@creditkristi.com