Maintaining great credit is a cornerstone of a healthy financial life. But many people just don’t pay attention to their credit until it’s too late. You might get denied for a loan or find that you’ve become the victim of identity theft.
Instead of keeping your credit a mystery it’s easy to look under the hood and see what’s going on. If you don’t understand how your credit scores are calculated and how to boost them, you’re at a serious financial disadvantage.
I interviewed Rod Griffin, a credit expert who’s been with Experian, one of the largest credit reporting agencies, for more than 22 years. Rod is Experian’s Director of Consumer Education and Awareness. He was named the 2016 Educator of the Year by the Institute of Financial Literacy. I love Rod’s mission: To empower consumers to become more financially capable through education and advocacy.
On the Money Girl podcast, Rod and I discuss how consumers can better manage their credit and even raise their scores instantly with a new offering called Experian Boost. We also answer a listener question about building credit and cover a variety of topics, including:
- Who’s a good candidate for Experian Boost and how to sign up for free.
- The best way to prepare your credit ahead of a big purchase, such as a home or car.
- Using a credit fraud alert, a credit freeze, or a credit lock.
- The answer to a listener question about opening and closing a loan to build credit.
- Often-overlooked and money-saving benefits of having good credit.
- The relationship between credit and your auto and home insurance rates.
- Changes in how unpaid and paid medical debt appear on your credit reports.
- Why your credit shouldn’t be a mystery when you apply for a new account.
[Listen to the interview using the embedded audio player or on Apple Podcasts, SoundCloud, Stitcher, and Spotify]
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