How Much Does Your Credit Score Matter? | Ep. 217

Apr 5, 20236 min

Ever wondered, "Hey, does my credit score actually matter? Do I really need to care about it? Or is it just another number the world has cooked up?" Well, you're in luck! In this fun and informative episode, we explore the significance of your credit score and the various reasons behind its importance. From lending and financing to landing that dream job, we delve into how credit scores can impact different aspects of your life. Spoiler alert: It really does depend... But don't worry, we'll explain why! Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany Key Takeaways Credit score matters if one is looking for lending, financing or even a job; as employers may pull credit reports/scores. Insurance companies also use credit scores to determine rates. If one has all the stuff they need and isn't looking for financing or debt, then the credit score isn't too important. However, it's wise to maintain one's credit score anyway, as one never knows what they might need or want in the future. Connect with Tiffany Website - https://www.moneytalkwitht.com Facebook - Money Talk With Tiff Twitter - @moneytalkwitht Instagram - @moneytalkwitht LinkedIn - https://www.linkedin.com/in/tiffanygrant1/ YouTube - Money Talk With Tiff Pinterest - @moneytalkwitht TikTok - @moneytalkwitht This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy OP3 - https://op3.dev/privacy

Credit ScoreLendingFinancing

Steve Stewart’s Guide to Mortgages Without Traditional Credit Scores | Ep. 344

Oct 10, 202419 min

In this episode of Money Talk With Tiff, Tiffany Grant welcomes her mentor and friend, Steve Stewart. Steve delves into the intricacies of qualifying for a traditional mortgage without relying on a traditional credit score. Listen in as Steve shares his personal journey of securing a mortgage with a zero credit score and the tools and strategies he used to achieve this. From leveraging utility payments to using tech solutions like eCredible and Experian Boost, Steve breaks down alternative pathways to building creditworthiness and securing a mortgage. Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/mortgage-without-a-credit-score/ About Our Guest Steve Stewart is the Podcast Editor for some of the biggest indie personal finance podcasts like the Stacking Benjamins Show, Afford Anything, and the MilMo Show. He also created the Podcast Editors Club, now with over 9,000 members, and co-founded the Podcast Editor Academy - which helps individuals build their own podcast services business. If you’re looking for help with your podcast, Steve is there to support! Key Points Discussed What constitutes a traditional mortgage and the role of a FICO score. Steve’s personal experience of maintaining zero consumer debt since 2007. Importance of payment history and amounts owed as components of a FICO score. Introduction to tools like eCredable and Experian Boost to report alternative payment histories. The benefits and security of using debit cards for travel and daily expenses. Practical advice on focusing less on traditional credit scores and more on financial responsibility. Resources Mentioned eCredable: eCredable Website (https://SteveStewart.me/ecredable) (affiliate link) Experian Boost: Experian Boost Website (https://www.experian.com/consumer-products/score-boost.html) Follow Steve Stewart Website: SteveStewart.Me (https://www.stevestewart.me) Social Media: @SteveStewartMe on all platforms Follow Tiffany Grant Website: Money Talk With Tiff (https://www.moneytalkwitht.com) Social Media: @MoneyTalkWithT on all platforms What's Next? Explore the options available through eCredable and Experian Boost to build a non-traditional credit score. Review your current debts and consider strategies to pay them off promptly. Evaluate the benefits of using debit cards over credit cards for your personal spending habits. Share this episode with someone who might benefit from understanding alternative ways to build creditworthiness. Support this Podcast (https://moneytalkwitht.com/donate) Thanks for joining us on this insightful episode with Steve Stewart. Be sure to subscribe, rate, and review Money Talk With Tiff on your favorite podcast platform! If you have any questions or topics you'd like us to cover, drop us a message on social media. This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy OP3 - https://op3.dev/privacy

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Your Credit Card Guide: How to Pick the Best Card for Your Financial Needs | Ep. 141

Sep 27, 20228 min

On this episode of Money Talk with Tiff, Tiffany Grant dives into the always relevant topic of credit cards in "Tiffany's Take: What is the Best Credit Card For Me?" Tiffany shares her insights on choosing the best credit card, understanding annual fees, evaluating rewards, and considering lifestyle factors. She explains the difference between secured and unsecured credit cards, and offers valuable advice for those just starting out on their financial journey. If you've ever wondered "what credit card should I get?" or "how to choose the best credit card," Tiffany's got you covered. So, sit back, tighten those purse strings, and open your ears to learn how to make wise credit card decisions in this episode of Money Talk with Tiff. Every Tuesday, Tiffany answers one of your submitted questions. To submit a question for an upcoming episode, visit here: https://www.moneytalkwitht.com/asktiffany. Timestamps [00:00] Tiffany answers listener questions about credit cards. [04:27] Start with secured credit card for trust. [06:38] Question pre-approved offers, research before accepting. Key Takeaways Credit Card Evaluation: Consider annual fees, rewards, and credit score. Card Types: Unsecured vs. secured credit cards and their differences. Responsible Credit Use: Use credit as a tool, not income. Lifestyle Fit: Only get a credit card if it aligns with your financial journey. Timing: It's okay to wait to get a credit card. Pre-approved Offers: Do your own research before applying. Credit Card Choices: Consider factors like annual fees, rewards, and requirements. Connect with Tiffany on Social Media Facebook: Money Talk With Tiff (https://www.facebook.com/moneytalkwithT/) Twitter: @moneytalkwitht (https://twitter.com/moneytalkwitht) Instagram: @moneytalkwitht (https://www.instagram.com/moneytalkwitht/) LinkedIn: Tiffany Grant (https://www.linkedin.com/in/tiffanygrant1) This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy OP3 - https://op3.dev/privacy

Credit CardsSecured Credit CardsUnsecured Credit Cards

Financial Responsibility

How Much Does Your Credit Score Matter? | Ep. 217

Steve Stewart’s Guide to Mortgages Without Traditional Credit Scores | Ep. 344

Your Credit Card Guide: How to Pick the Best Card for Your Financial Needs | Ep. 141

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