Shows
The Pursuit of Home with Scott Harris#40: Credit, Confidence & the Road to Home with Kristi NowrouziWhat if you could approach home buying with the patience and perspective of a teacher? In this episode of The Pursuit of Home, host Scott Harris speaks with Amy Slate, a former educator turned Boston real estate professional, about how her background shapes a more supportive and thoughtful buying experience. From helping first-time buyers manage overwhelm to guiding women through divorce-related moves, Amy shares a grounded, compassionate approach to making confident decisions in a complex market.Here are some of the topics we discuss:Why credit is one of the top drivers of mortgage denialsHow credit...
2025-12-2326 min
Peopling PodcastEp. 8: The Real Reason You’re Not Taking Action (It’s Not Laziness)Fear is sneaky. It doesn’t always scream—it whispers. In this episode, Gina Hanson breaks down how fear quietly blocks action, drains confidence, and keeps us stuck in patterns we know aren’t serving us.This conversation is a mirror moment. There’s something you want to do. There’s also something you know you should stop doing. And the gap between knowing and doing? That’s where confidence either grows—or erodes.Gina walks through why inaction costs more than failure, how small, consistent moves rebuild trust in yourself, and why deciding is often the bravest step you’ll take. T...
2025-12-1746 minPeopling PodcastNavigating Conflict with CompassionIf you’ve ever wished relationships came with a manual, this episode is the next best thing. Today on Peopling, we sit down with the incredible Colette Jane Fehr — a licensed psychotherapist whose journey from a deeply challenging marriage to becoming a relationship expert is nothing short of transformational.Together, we dig into the real stuff: why communication breaks down, how conflict actually works, and what emotional intelligence looks like in everyday moments — not just on paper. Colette brings the kind of honest, vulnerable wisdom that makes you exhale and think, “Oh… I’m not the only one.”You’ll learn why con...
2025-12-1038 minPeopling PodcastBuilding a Business Without Breaking Your MarriageIn this episode of the Peopling Podcast, host Kristi discusses with Robert and Kaylee Fukui the unique challenges faced by married entrepreneurs. They share their journey from corporate jobs to business consulting, emphasizing the importance of work-life balance, boundaries, and intentional living. The Fukuis provide actionable insights for couples in business together, highlighting the significance of communication and connection in both personal and professional relationships. They encourage listeners to prioritize their well-being and relationships while navigating the entrepreneurial landscape.Note worthy takeaways: It's a journey, not a destination.Work-life balance is essential for married entrepreneurs.I...
2025-11-2544 min
Future MillionairesFrom ‘Broke as a Joke’ to Financially Free — Kristi Nowrouzi on Money Mindset, Career Detours, and True WealthIn this episode of the Future Millionaires Podcast, finance and real estate professional Kristi Nowrouzi shares how a girl who once “just wanted to play Monopoly” grew into an author, trainer, and money mentor dedicated to teaching people how to think differently about wealth. She talks about growing up broke while watching friends drive nice cars and wear name brands, trying multiple jobs and paths (including college debt and careers she didn’t love), and finally discovering her lane as a mortgage professional who solves real financial problems for real people.
Kristi also opens up about being kicked out of a busi...
2025-11-1933 minPeopling PodcastThe Power of Connection in Healing: Navigating PTSD and Mental HealthIn this episode of the Peopling Podcast, Kristi and Brian Bertges discuss the importance of connection, vulnerability, and personal growth, particularly in the context of mental health challenges like PTSD. Brian shares his journey with PTSD and how it has shaped his approach to empowering college students. They explore the impact of social perfectionism, the importance of effective communication, and the role of failure in personal development. The conversation emphasizes actionable steps for listeners to improve their connections with others and themselves, culminating in a 'Be the Change Challenge' to inspire positive action.Main Takeaways:Life improves when we...
2025-11-1946 minPeopling PodcastThe Narcissism Myth, Debunked: Boundaries That HoldWhat if the “high-conflict people” in our lives aren’t here to destroy our peace… but to train us to hold it?In this episode, Kristi sits down with Christine Hammond, one of the country’s leading mental health experts on high-conflict personalities, narcissism, and family trauma. She’s a bestselling author, licensed mental health counselor, and the voice behind the wildly successful podcast Understanding Today’s Narcissist, downloaded over 1 million times.Christine pulls back the curtain on:What a personality disorder actually is (and what it’s not)Why society is obsessed with labeling people “narcissists”How drama shows up — at work...
2025-11-1137 minPeopling PodcastHow to Actually Understand Your Teen: Insights from Counselor Angie MabeIf raising, or even working with, teens feels like translating ancient hieroglyphics while blindfolded… same.That’s why this week, Kristi sits down with mental health counselor, Angie Mabe, to unpack what’s REALLY going on inside the hearts, minds, and bedrooms of our teenagers.Angie shares how her calling began in the 5th grade and what she’s learned from years of helping teens navigate identity, emotional regulation, family tension, and the tricky inner narratives that shape their belief systems.Who is Angie?Angie Mabe, LMHC, NCC, FLQS is the Owner and Executive Director of Abba's Heart Counseling Center i...
2025-11-1140 minPeopling PodcastHow to Build Peace in a Divided World: Lessons from Rachel Allen of The Peace and Justice InstituteIn this episode of The Peopling Podcast, Kristi sits down with Rachel Allen, Founding Executive Director of the Peace and Justice Institute, to explore what it really means to create peace — in our homes, workplaces, and hearts. Rachel shares how her journey from dysfunction to deep healing inspired the 13 Principles for How We Treat Each Other — a powerful framework now used by schools, corporations, and communities. Together, Kristi and Rachel dive into: Why listening deeply is the hardest — and most transformative — human skill., How suspending judgment opens the door to compassion, A simple mirror listening exercise that can inst...
2025-10-2838 minPeopling PodcastEpisode 1 - Attorney Tim Moran - Finding Purpose Through VolunteeringTim Moran, Esquire, is an award-winning attorney whose career embodies justice, compassion, and community service. Known for his extensive volunteer work with Community Legal Services of Mid-Florida, Tim has dedicated countless hours to helping families facing foreclosure and financial hardship. Community Legal Services is really where Tim got his start in practicing law.He has also trained and mentored law students through the FAMU Law School Housing Clinic, equipping future attorneys with both skill and empathy.His business focuses on Estate Planning and Bankruptcy as well as other practices of law. Tim’s extraordinary pro bono commitment has earned hi...
2025-10-2132 min
Peopling PodcastWelcome to the Show! Episode ZeroHi, I'm Kristi! Thank you for joining us. This podcast will feature weekly interviews with amazing people.Covering all topics related to connection, communication, and how to be a good human in this crazy world of ours.Inspired by the book, Peopling: How to Connect, Communicate and Grow Through Every Season of Life (available on Amazon).https://a.co/d/drW1ibdConcierge@peoplingwell.com
2025-10-1702 min
Credit Coaching by KristiCredit Facts- OverviewIn today's episode, Credit Kristi will share some essential facts about credit for those yearning to learn more about credit basics. Your coach shares some truth from her continuing education course for her Certified Credit Counseling certification where you can learn more about FICO® and credit basics in general. Questions@creditkristi.comBuy the Finish Financially Free Book from Amazon here: https://a.co/d/04MdykF
2025-04-1910 min
Massive Passive Cash Flow PodcastEpisode 285: Building Skills and Resources for Success, with Kristi Service NowrouziKristi Service Nowrouzi has been in the real estate industry since she was 17 years old. Starting off as a part time receptionist at a very busy real estate office in her hometown, she quickly learned the ins and outs of the business. Just after high school, she got her real estate license with the intention of selling real estate. Unfortunately, self doubt and excuses got in the way and so Kristi went into property management. Fast forward a few years, she got her mortgage license and was a loan officer for 6 years until the global financial crash in 2008, where...
2024-10-1146 minMassive Passive Cash Flow PodcastEpisode 280: Enhancing Real Estate Success Through Education and Community Engagement, with Kristi NowrouziKristi Service Nowrouzi has been in the real estate industry since she was 17 years old. Starting off as a part time receptionist at a very busy real estate office in her hometown, she quickly learned the ins and outs of the business. Just after high school, she got her real estate license with the intention of selling real estate. Unfortunately, self doubt and excuses got in the way and so Kristi went into property management. Fast forward a few years, she got her mortgage license and was a loan officer for 6 years until the global financial crash in 2008, where...
2024-09-1822 minCredit Coaching by KristiWhy Did I Get Denied for a New Credit Card?Have you applied for a credit card and then found out... you were denied?! There are various reasons that could be the culprit, so listen in to your credit coach as Kristi shares some of the top reasons for not being approved if you applied for a credit card.
Questions@CreditKristi.com
2024-05-1313 minCredit Coaching by KristiImprove Your Credit FastLooking for some quick tips to improve your credit ASAP? I got you! Listen in to learn best tips to improve (or build) your credit profile quickly.
Some of the places Coach Kristi references:
To pull your free credit report: https://www.annualcreditreport.com/
Self.inc for the credit builder account: https://www.self.inc/blog/what-is-a-credit-builder-loan
Reporting rent through Self.inc: https://learn.self.inc/lpg/mpa/rent-bills-landing/?_gl=1*1igfd3o*_gcl_au*ODQ1NTA0NzY3LjE3MTE5ODY3NDE.
Experian Boost: https://www.experian.com/consumer-products/score-boost...
2024-04-0111 min
Hole in the Wall Business PodcastEp 78 - Kristi Nowrouzi - Credit KristiIn this episode of 'The Hole in the Wall Business Podcast, hosts Bill DeMent and James Groves have a vibrant conversation with Kristi Nowrouzi, a real estate industry veteran, finance expert, author, and speaker.
She discusses her career journey, the importance of credit for small business owners, tax strategies, and the significance of active listening.
Kristi details about Toastmasters, an organization that helped her develop her communication skills, and shares some quick insights on buying real estate.
She also touches on her books that offer advice on home ownership and financial freedom.
You can find her books...
2024-01-3039 minCredit Coaching by KristiThe Cost of Bad Credit... with a Sprinkle of New Year Goals
Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores.
Have any new year goals (we don't do resolutions here, just goals!) for yourself? If not- why not?!!? If so, are the BIG!? They should be! Let's goooooo!
Questions@creditkristi.com
2024-01-0518 min
Credit Coaching by KristiCost of Bad Credit and New Year Goals!Have you ever wondered just how much of an impact interest can have on your payments and cash flow? Listen in as Credit Kristi compares car and house payments due to the difference in available rates due to credit scores.
Have any new year goals (we don't do resolutions here, just goals!) for yourself? If not- why not?!!? If so, are the BIG!? They should be! Let's goooooo!
Questions@creditkristi.com
2024-01-0400 min
Thrive TodayThe Psychology of Money with Kristi NowrouziHow can understanding our beliefs about money transform our financial freedom?
In this episode of the Thrive Today podcast, host Natalie Born interviews financial literacy advocate Kristi Nowrouzi about shifting limiting money beliefs, overcoming debt, and claiming financial freedom. They discuss common financial pitfalls and habits as well as biblical principles for prosperity. Kristi shares practical money management tips and her inspiring vision to "live off a third, save a third, and give away a third."
Kristi Nowrouzi is a dedicated advocate for financial literacy, committed to helping people understand their relationship with money and their financial mindset. Kristi has...
2023-12-2025 min
Hiring Happy HumansMoney Mindset in Biz with Kristi NowrouziCredit Kristi Nowrouzi is here to talk to us about our relationships with money as both employers and individuals and how education can help break the cycle of a poverty mindset. Dive into the depths of financial security with us!More information on Kristi Nowrouzi:LinkedIn - https://www.linkedin.com/in/kristinowrouzi/Facebook - https://www.facebook.com/KristiNowrouziInstagram - https://www.instagram.com/creditkristi/---- Find more about Dawn Sipley & her HR services at:www.sipleythebest...
2023-10-0451 min
The Clarity Advisors Show30 Kristi Nowrouzi - Building a team and increasing production without burning outWhen you start a business, it’s usually because you see a need in the market that’s not being met, or you think you can do something better than it’s currently being done. But sometimes you just need a change and want to do your own thing. That was the case with today’s guest.Kristi Nowrouzi is the Regional Manager of G7 Networking and a top-producing loan officer with Geneva Financial. She’s also a speaker, author, and podcaster.On this episode of The Clarity Advisors Show, Kristi shares with host Ken Trupke how...
2023-02-2834 minCredit Coaching by KristiSolution for Immigrants Seeking to Build a U.S. Credit ProfileIn this episode, Credit Kristi interviews Danielle Hill of Upwardli to talk about a solution for immigrants trying to establish a credit profile in the U.S.
She is the co-founder of Upwardli, who's purpose is to help credit invisible people establish a credit to build a profile and history that creates credit-worthiness opportunities for only $6 a month!
Note: Kristi has not used this product and is not affiliated with Upwardli, but simply providing some information that could be useful to listeners that are looking for a way to build credit that is inexpensive ($6 a m...
2023-02-1515 minCredit Coaching by KristiWhat Can Cause Your Credit Card APR Go Up?If you carry a credit card balance, there is a good chance that you are experiencing a higher minimum payment or have seen that more of your monthly payment is going towards interest rather than paying down your outstanding balance. This is because the interest rate has gone up. How can this be? Listen in as Credit Kristi shares with you the various ways your APR of your credit card can increase.
Questions@creditkristi.com
Website mentioned in the show to stop receiving credit card offers: optoutprescreen.com
2023-01-2409 minCredit Coaching by KristiIdeas for Reducing Bills and Cost of LivingFeeling like your money isn't stretching as far as it used to? Yeah, me too. Listen in as your coach pokes fun at an article she recently read on how to make a little extra money and then Kristi will share some real ideas for reducing your bills and cost of living.
You have 2 choices when it comes to managing your funds: Make more money or Spend less money.
If you are looking for ideas to cut your spending and reduce your outflow, your credit coach has some suggestions.
Listen to the end wh...
2023-01-1118 minCredit Coaching by KristiNational Consumer DebtOur debt as a nation is increasing at rapid speed, which is scary because a financial storm is brewing. In just one month, our nation took on much more debt than anticipated. Yeah, the Fed Reserve tracks what they think those numbers should be. What does this mean for us, the consumers? What is happening with rates and payments? Listen in as Credit Kristi lays some foundation that she will be building on, because soon this IS going to affect you.
Questions@creditkristi.com
2022-08-2307 minCredit Coaching by KristiHow Hard Are You "Working On Your Credit"?I hear a LOT of people tell me they are "working on their credit" but that can mean everything from: I kind of care now and will try to avoid collections to paying off "bad" debt and righting the wrongs.
This is a re-record of the original "How hard are you willing to work" since it was my most listened to episode and my 2nd episode I ever recorded- and I sounded terrified and didn't edit out the mistakes and big blank moments. Oh well! So I re-recorded the same info and hopefully it's easier to listen t...
2022-07-0717 min
Credit Coaching by KristiCredit Card APRs Are Going To ChangeIt's all over the news- rates are going up. And there is no exception to credit cards. I have some warnings for you in this episode about what is going to be happening in the world of credit cards with payments, APR (interest rates) and how this will effect you. You may be tempted to do an "opt-out" but please do not. It can have terrible ramifications for your credit profile. What should we do with these rate increases- how should I plan? Credit Kristi has some helpful suggestions. Thanks for listening!
Questions@creditkristi.com
2022-06-2215 minCredit Coaching by KristiAnswering some Frequently Asked Questions on Credit and ScoresEvery situation is different. But for many of us, we have some of the same main questions when it comes to credit and credit scores like what about a new credit card? Debt Utilization and why my score always changes and looks different, depending on where I view it. Your credit coach addresses these questions in this episode.
Questions@creditkristi.com
To purchase Kristi's book for first time home buyers: https://www.amazon.com/First-Home-Where-Start-How/dp/B09SNRQT74/ref=sr_1_1?crid=3V6KZAAJC1CQ4&keywords=first+home+where+to+start+and+how+to+win&qid=1651433584...
2022-05-0209 minCredit Coaching by KristiCredit Protection ActsListen in as Credit Kristi shares information on the 5 credit acts that have been created to protect our credit information, what can and cannot be reported on credit to prevent discrimination, and the handling of debt collections.
Questions@CreditKristi.com
2022-03-0808 minCredit Coaching by KristiInterest Rates Are Going UUUUPPP!One thing is clear, everything is costing more. But I have many people asking me about rates, and they often confuse mortgage rates with other types of interest rates out there. Listen in as Credit Kristi explains mortgage rates, the Fed Funds rate and the Prime Index rate. There is a difference, they each have their own role, and it all impacts YOU.
Want a simple but thorough budget? Email me at questions@creditkristi.com
2022-02-2606 minCredit Coaching by KristiWhat can I negotiate on my Credit Card?Did you know there are certain things you can negotiate on your credit card terms? From the date your bill is due to be paid to your APR, there are several things you can control when it comes to your credit card.
Listen in to learn some tips and pointers from your credit coach.
@Credit Kristi on all social media platforms
Questions@creditkristi.com
2021-12-0108 minCredit Coaching by KristiWhat is Ultra FICO?Have you heard of Ultra FICO? It's in a "pilot" phase right now but is taking an interesting twist to create a credit score for you if you have no credit or very little credit reflecting on your credit profile. With an estimated 53 million Americans that don't have enough credit established to generate an accurate credit score, this could benefit them. Are lenders accepting this Ultra FICO score? And what do you have to do to be part of it? Listen in as your Credit Coach, Credit Kristi shares some information about this program.
2021-11-0507 minCredit Coaching by KristiInterview with a Bankruptcy Attorney- Shawn Yesner of Crushing Debt PodcastShawn Yesner is an attorney in the Tampa Bay area specializing in Bankruptcy and Foreclosure Law. Tune in as I ask Shawn some questions regarding how much debt should you be in to consider a bankruptcy, what about student loans, your home, and even IRS debt? He covers that! And check out his podcast called Crushing Debt and his website, Yesnerlaw.com.
Contact Kristi at questions@creditkristi.com
2021-09-3026 minCredit Coaching by KristiFannie Mae Makes Changes Regarding Credit ScoresFannie Mae, the entity that creates the guidelines that most banks and lender abide by has recently made a major change to the credit score used for approval. This is a MAJOR change to allow more buyers to qualify and to serve a wider market. Listen in to this short and sweet episode to learn of the newly implemented change. Can this help YOU?
YouTube Channel: Your Loan Superhero and also Credit Kristi
2021-09-2304 minCredit Coaching by KristiRecent College Graduates- This One's For You!Hey graduate! First of all- congrats to you!!! So proud of you! Okay- so NOW what? Out of college, into career- and what kind of teaching or training have you had on how to manage your bills, not get caught up in (more) debt, how to get out of debt, and manage your next steps well? Give me 13 minutes and I have a great overview on steps to help get you started!
questions@creditkristi.com
2021-08-3112 min
The Healthy Family Law AttorneyInterview with Kristi Nowrouzi - Mortgage Loan Officer | The Marks Law FirmKristi Nowrouzi, also known as Credit Kristi, has been a mortgage loan officer for over 10 years. She is a credit specialist and has seen thousands of credit reports and helped hundreds and hundreds of families obtain their dreams of homeownership. Kristi’s passion is to teach and guide about the foundations of credit. Have a question for Kristi? Reach out! KNowrouzi@genevafi.comDisclaimer: The information provided in this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on our podcast are for general informational purposes onl...
2021-08-2332 minCredit Coaching by KristiSuccess Story: Chatting with homeowners Nick and BrookeEver feel like success is for other people? That it can't happen to you or for you? I want to introduce you to an awesome couple, Nick and Brooke. They believed that too. But thankfully, they listened to some people in their lives, got into action, and are living a very different life this year than years past. They didn't come from money, no hand outs, no special programs. They sought advice, got into action, created a budget and decided to stop living in a state of scarcity! You too are worthy of abundance! It starts with changing our...
2021-08-2230 minCredit Coaching by KristiWhat is Credit Card Stacking?If someone or a company suggests you use a strategy called credit card stacking to leverage available credit to buy something large- think twice! Better yet, think twice more- it is usually NOT a good idea and I have experienced the "offer" of this before and so grateful I didn't do it. But I know of people who have and get absolutely buried in debt and feel like they are stuck because most of their payment is now going to interest and not paying down that balance. It could be a trap and will catch you and pull you...
2021-08-1106 minCredit Coaching by KristiExperian BoostYou may have seen commercials for Experian Boost- what is it and how can it benefit you? The commercials indicate an improvement in your credit score- but how much and by what means?
Questions@creditkristi.com
2021-08-0306 minCredit Coaching by KristiLet's talk about bankrupctyNo one wants to discuss, but let's talk about bankruptcy. Why do most people who end up in a bankruptcy to begin with? What kinds of bankruptcies are there and how do they help? What kind of implications does this create on our credit profile and how will this effect a future mortgage loan application? Every State has different laws and requirements. I am in Florida and so I reference what is common for the State of Florida, your State might be different. Credit Kristi reviews all of this. Come hang out for 11 minutes to learn some basics.
2021-08-0312 minCredit Coaching by KristiThe Negative Cycle of Money (it's a trap!)The source of many people's money problems is not having an emergency fund- no cash on hand- and have to borrow for most things.
It's a trap, this cycle we get caught in. It starts and ends with no savings.
Break the cycle, and take ownership of your finances!
Questions@creditkristi.com
Let's connect on Social Media: IG, YT, FB and TT: @creditkristi
2021-07-1508 minCredit Coaching by KristiHow hard are you willing to work to improve your score?It's easy to want to be better at something... but are we willing to put in the work? You will - if you want it badly enough! In this episode, I share some ideas and tips on how to improve your score, and some advice is going to make you work extra hard! But if you want results, we have to start with change. Let's do this!
PS- This is my 2nd episode I ever recorded, and you can hear the fear in my voice! I tried to edit out the large gaps of dead air, and...
2021-07-0523 minCredit Coaching by KristiJoint CreditWhat is joint credit? When I get married, does our credit merge? What happens if my spouse has terrible credit and I don't? I get these kinds of questions all of the time and I would like to shed some light on this topic. Listen it to learn about joint credit reports (is that a thing?!) and joint tradelines.
Let's get social! @Credit Kristi on IG, YT, FB and TT!
questions@creditkristi.com
2021-06-2807 minCredit Coaching by KristiStatute of Limitations (of debt) vs. Length of Time Bad Credit is on your reportI have been asked recently about a collection account that was listed on a credit report, and there was a lot of mis-understanding about how long something reports on your credit report vs. when a creditor can sue you, create a judgement or ask the courts to make you pay an obligatory debt. So I wanted to explain what a Statute of Limitation is and also how long derogatory events stay on your credit report.
Here is a link of all the States' length of limitations: https://lendedu.com/blog/statute-of-limitations-on-debt-collection-by-state/
and the CFPB's definition...
2021-06-1709 minCredit Coaching by KristiWhat to know about Medical CollectionsCollections... stink! 1 in 3 Americans have collections and of those, 50% are medical collections. So what do we do about them? How do they report on your credit report? Can you get the collection removed off of your report? Listen in to learn more about collections and how they impact YOU!
questions@creditkristi.com
connect with me on Instagram, YouTube, Facebook and TikTok @CreditKristi
2021-06-0807 minCredit Coaching by KristiHow Do Student Loans Affect My Credit Report?With 45 million people walking around with student loan debt, there is no doubt there are some questions about how it reports to your credit, what is important about how it reports to your credit (and what is not), and what you need to know about Federally backed student loans that can have a lifetime impact on your credit report.
Did you know that student loans are exempt from Statue of Limitations? Meaning if you don't pay, those collections don't drop off! And you cannot rid your student loans in a bankruptcy. There are some really important tips t...
2021-06-0111 minCredit Coaching by KristiHow do YOU Pay for Problems?If we aren't prepared, many of life's unexpected events can turn into larger financial problems. It's essential we start with a foundation and then carry out a plan to be the master of or our money. But where do you start? Listen in as your coach gives some examples she has either personally experienced or saw others that started a financial hole and getting buried in credit card debt. It doesn't HAVE to a "robbing Peter to pay Paul" scenario all of the time. We can get ahead of the surprises, and be ready for whatever life throws at...
2021-05-2511 minCredit Coaching by KristiWhat is APR?I know you have heard this term: APR. A.P.R. Huh? What does it mean? I used to have a very bland and basic definition of it....I mean, I knew had something to do with finance charges and interest paid over time, and bank-talk. You too? In this episode, listen in as Credit Kristi breaks it down to have a basic understanding of the definition, how it effects you and your finances over time.
Let's connect! @Credit Kristi on Instagram, Facebook, TikTok, and YouTube.
2021-05-1011 minCredit Coaching by KristiFICO vs. VantageScore: 2 Types of Scoring ModelsDid you know there are DOZENS of scoring models out there? There are the big 2 that we will focus on: FICO and VantageScore. Although they are similar, there are several very important differences. 90% of lenders use FICO as a scoring model. Listen in to learn the differences and how it effects YOU!
2021-04-2812 min
Where Grace AboundsTips to Make Your Credit Score Soar; With Special Guest "Credit Kristi" NowrouziYour comprehensive source concerning all things credit, economic educator Kristi Nowrouzi likewise discusses debt solutions that will transform your financial trajectory!
2021-04-2142 minCredit Coaching by KristiGet Ready- Collection Agencies will soon be able to message you on Social MediaIt blows my mind to believe that the Consumer Financial Protection Bureau (CFPB) will allow collection agencies to private message you (unlimited amounts of times, mind you!) on your social media accounts- all without having to prove you are the owner of that debt. God help you if you have a common name!
Listen in and please reach out, I would love to hear your perspective on this. email me at questions@creditkristi.com
2021-04-1704 minCredit Coaching by KristiDoes It Hurt My Score To Freeze My Credit?Wondering if freezing your credit profile is the right thing for you to do? Listen in as your coach explains what a credit freeze is, if it affects your credit score and how to put it on and lift it off. It's not the same thing as a fraud alert, so Credit Kristi will explain what that is as well.
Especially if you are going through or are recently divorced, consider freezing your credit as an extra layer of protection from unwanted credit inquiries.
Questions@creditkristi.com
Connect with me on YouTube, Facebook...
2021-04-0505 minCredit Coaching by KristiWhat about Disputes?I get a lot of questions about disputes- what is it? Why would I dispute a derogatory item reporting on my credit? Should I dispute something I don't like being reported? How does a dispute effect me? Listen in to learn the quick and dirty about disputes!
2021-03-1008 minCredit Coaching by KristiBack to Basics- Credit 101 for those getting started with creditAre you or someone you care about just getting started in the realm of credit? If you are looking for basic knowledge on decisions to make to start your journey, listen in! If I were talking to my 18-year-old self, I would follow this information.
Share with someone in your life that you want to see get some basic guidance on the first few things to know when it comes to credit. First credit card to consider opening, balance you keep and reminders to make sure you don't miss a payment!
It's been a year...
2021-02-2409 minCredit Coaching by KristiWhat does Dave Ramsey say about credit?If you follow Dave Ramsey, chances are you LOVE Dave Ramsey. I know I am a fan. However, you may have heard him speak of credit in a way that may not settle so well with your intuition. Your gut says, "sure Dave, if you have lots of money in the bank to pay cash for things, you don't NEED credit, but for the rest of us, when you need to borrow, you need the proper credit profile."
At least that is what mine was saying when I heard him say having credit (debt) is bad, bad...
2021-02-1712 minCredit Coaching by KristiInvesting Pitfalls - Interview with Investment Strategy Coach -Jennifer FosterJennifer Foster is my guest this week and she shares about The American Dream Experience, which I am super stoked about attending (virtually) and I hope you will too! She also shares about common pitfalls when it comes to investing. I don't think this could be any more timely with what is happening in the stock market current day.
If you would like to reach out to Jennifer Foster: jen@smartplaninvesting.com or 561-744-9516.
Questions@creditkristi.com to reach Kristi
2021-02-0521 minCredit Coaching by KristiInvesting Pitfalls - Interview with Investment Strategy Coach -Jennifer FosterJennifer Foster is my guest this week and she shares about The American Dream Experience, which I am super stoked about attending (virtually) and I hope you will too! She also shares about common pitfalls when it comes to investing. I don't think this could be any more timely with what is happening in the stock market current day.
If you would like to reach out to Jennifer Foster: jen@smartplaninvesting.com or 561-744-9516.
Questions@creditkristi.com to reach Kristi
2021-02-0225 minCredit Coaching by KristiCo-Signing for Loan - What you need to knowAs a loan officer, I see hundreds of credit reports a year and many times, I see that being kind to a family member or friend and co-signing to help their situation has turned out to bite you in the rear. If you are researching implications of being a co-signer, listen in! This is VERY important info to know. You NEED to know what you are "signing up for" if you are considering being a co-signer on someone else's debt obligation.
questions@creditkristi.com
2021-01-2309 minCredit Coaching by KristiIs 0% Balance Transfer A Smart Choice?You may be seeking solutions post-holidays on how to pay down those credit card balances. And if you are like most people, you are paying interest rates in the teens and twenties for your APR on your credit cards. Most of your minimum payment (nearly all!) goes to your interest portion, not the balance paydown! How frustrating!
Listen in to see if transferring your current credit card balance(s) is a good idea for you. There are 3 BIG warnings you need to know about that your credit coach will share to make sure you read and understand...
2021-01-1510 minCredit Coaching by KristiPay Down Those Credit Cards As Your Financial ResolutionYou are likely starting get (or will be getting) your credit card statements rolling in from the holiday shopping sprees.... OUCH! Listen in to a gentle nudge, a little knowledge dropped and some encouragement to get into action to pay down those credit card bills!
2021-01-0606 minCredit Coaching by KristiThoughts On How To Maximize Your Stimulus CheckDid you know that HOW you receive money often dictates how you spend it? It's true! The psychology aspects shows that when money comes to us in an unexpected form, such as a gift, tax refund, bonus or a government stimulus check, that we spend it differently than if it were earned income.
Want to do more than just spend/splurge it? I have some ideas on how you can maximize your stimulus check if you are seeking some thoughts outside of what that little voice is saying to do with it. Ideas for saving, paying down...
2020-12-3108 minCredit Coaching by KristiCredit Card Late Payments? That Payment History May Be Keeping You Down!I recently learned a tip that I applied for my own credit, and it worked! So I am sharing this with you. If you have late payment history on a credit card, that payment history may be hurting your score when all other items on your credit are in good standing. There are LOTS of people who have a great credit profile, and perhaps one credit credit that had a late payment or two in the past. If this is you or someone you know, then listen in! Consider this action that I did because I too had a...
2020-12-2308 minCredit Coaching by KristiCrushing Debt Podcast: InterviewThis week I am doing things a little different! I was a guest on Shawn Yesner of Yesner Law in Tampa, his podcast called Crushing Debt. Shawn is a Bankruptcy Attorney and provides excellent guidance for those seeking debt alternatives and options which may include bankruptcy.
My goal is to teach about credit so hopefully we can all better manage our money to handle what life throws at us. But some situations are unavoidable and you will want to right representation in your corner if you need to consider a bankruptcy.
Shawn and I chat...
2020-12-1037 minCredit Coaching by KristiCan I Negotiate My Interest Rate Down?Have you ever wondered if it is possible to have a lower interest rate on your existing credit cards? It's possible!! Listen in for tips and guidance on when you should ask for an interest rate reduction so more of your payment goes to paying down that balance!
2020-12-0208 minCredit Coaching by KristiShould I Close That Credit Card?Whether there is a balance or not, don't close that credit card! But ESPECIALLY if there is a balance- do NOT close that account! I see people do it out of emotion..."I'll show you.... I won't do business with you anymore" Only to learn it hurts their credit score and not the credit card company to do that! Or sometimes the thought it, "I have had this card since college and the interest rate isn't great" and so the card gets closed. But if that is your longest standing tradeline and you just ended it? That could really...
2020-11-1807 minCredit Coaching by KristiDebt Consolidation and How it Affects Your CreditThere are several types of debt consolidation actions one can take to get out from under it. There are 0% balance transfer options, payment reduction programs, counseling options and loans that you can get that could potentially offer a better rate/payment than high-interest rate credit cards. What I do know to be true, is one day you may wake up, like I did, and feel so smothered by the debt load, it didn't feel like there were any options to get out from under it.
There are options, it is just a matter of knowing and understanding t...
2020-11-1114 minCredit Coaching by KristiWarning: Creditors Are Reducing or Closing Credit CardsBetween May 2020-July 2020, credit card companies have reduced limits or closed credit cards entirely and involuntarily to more than 70 million people. This number may be growing as economic concerns linger and the pandemic continues.
With millions of people unemployed, millions not paying their mortgage, and many unknowns during this crazy year (then add an election in there!), credit card companies are scared they are going to be left holding the bag. Much like what happened back during the last recession, credit card companies are trying to limit their exposure to loss. However, if it is a credit c...
2020-11-0311 minCredit Coaching by KristiWhat Do I Do About Collections?Many people have collections on their credit report. Some it seems its their only things reporting, and others are devastated when a collection appears and may be unsure what to do now.
There are different types of collections and the age, or how long it has been on your credit report has a lot to do with what might be the recommendation of how to handle it.
Now although I am not a credit repair agency nor can paying or not paying a collection have an adverse effect that is different than your goal, just ha...
2020-10-2708 minCredit Coaching by KristiBuilding A Credit Profile Without Taking On New Debt!Looking to build a credit history but not really excited about opening a credit card or taking out a loan? There are a few ways in which you can have a positive credit profile and even great credit scores without actually "borrowing money."
Listen in to 4 ideas from Credit Kristi as she explains how you can have a great profile without having to take on debt.
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2020-10-2007 minCredit Coaching by KristiForbearance and Deferment of Your Mortgage Can Have Some Big Impacts!There are literally millions of people in deferment or forbearance of their mortgage loan, and many more considering this route. This year sure has given a beating to many people. If you are in or considering one of these options, please listen in as there are some ramifications that are possibly unexpected.
I think those regulators that jumped in so quickly in March/April to bring about the CARES Act, that they didn't know the impact of a word. I think they intended on allowing a deferment, but said the word forbearance. And you will learn these...
2020-10-0608 minCredit Coaching by KristiHow Debt Consolidation Loans Affects My CreditMillions of people are struggling with the burden of debt. What to do about it can be a daunting question. If you are seeking information on options, I have an overview of debt consolidation loans and debt management plans. Is there an impact to your credit score and credit profile if you use either of these options? Listen in to learn, and if this is you, seeking a way out from under your debt and simply tackling balances is not a possibility to get out from under the debt load, please contact a non-profit credit counseling agency near you...
2020-09-3014 minCredit Coaching by KristiLet's Get Real About Credit- It's That Important!If you are looking to borrow money for a purchase of a car or home, you NEED a good credit score to not have to overpay in higher interest rates and unnecessary finance charges. It's THAT important! I have many people I speak with saying they have a great job history, money in the bank but they have a terrible credit score. I need you to hear this- we need to have a credit score that at least meets the minimum requirements before any of those other (important) factors matter. They do matter, but only AFTER you have the...
2020-09-2209 minCredit Coaching by Kristi#1 Tip To Improve Your Score ALMOST Immediately!Looking to have a big improvement to your score, almost immediately? Listen in for my favorite tip to help make this happen. Now, it won't make any "bad" credit go away, but it will help drive your score up with longstanding history added and additional debt utilization in the mix of things.
2020-09-1209 minCredit Coaching by KristiWhat Are Those Remarks Listed Under My Credit Score?If you have recently applied for credit, you know that about a week later there is something in the mail indicating the credit score that was used and the many reasons why your score "is what it is." if you have great credit, these reasons are going to make you mad! Because every one listed sounds derogatory! You could have a nearly perfect credit rating and have had great credit established for dozens of years... you will still read "risk factors" listed about your credit score. Rude! I am not sure why the bureaus go about it this way...
2020-09-0808 minCredit Coaching by KristiWhat is Credit Karma?Ever wonder what Credit Karma really....is? Many people have asked me, so I have answered! Listen in to learn what Credit Karma is up to and although they provide several of your "scores" for free... they have a motive!
2020-09-0305 minCredit Coaching by KristiHow Bad Does A Late Payment Hurt My Credit?Ever wonder the impact one late payment can have on your credit? I know we have all been there- you get busy and forgot about that credit card payment that was due or thought something was set up on auto pay only to learn it didn't really "take" and now... you are late on your payment and it's being reported on your credit report. Let's dive in to what kind of impact that has on your credit score and credit profile in today's episode.
2020-08-1809 minCredit Coaching by KristiWill disputing negative information on my credit report help me?When discussing credit, I often hear people that have negative marks on their credit report say they are going to dispute those marks. All fine and well if it is actually not accurate. But if you truly forgot to pay that last utility bill when you moved last (and ended up with a collection) or you really did forget to make that credit card payment (and ended up with a 30-day late payment) then a dispute is only a temporary help to your credit score. When that dispute is investigated and proven to be valid, the dispute is removed...
2020-08-1111 minCredit Coaching by KristiLet's Bust Some Credit Myths!There is so much misunderstanding when it comes to credit and what is reported, what is not, what matters and what does not. Listen in as I demystify a few myths out there when it comes to what is reported or important on your credit.
2020-08-0308 minCredit Coaching by KristiInterview with Dustin Owen: ALL about credit!What happens when 2 Loan Officers get together to talk about credit? A fun, informative, helpful conversation that just happened to get recorded happens, that's what! Here's the YouTube link if you would like to watch AND listen in: https://youtu.be/8n5tb-L_huA
Dustin sets up the questions, and we banter about some of the most important aspects of credit. This information matters when you go to get approved for a loan, so listen in and learn as we discuss why credit scores are different from your Credit Karma scores when we pull for a mortgage...
2020-07-2337 minCredit Coaching by KristiWhat is a Rapid Rescore?Let's say you are applying for a loan and your score is lower than you thought, than you desire, and than what is needed for the best interest rate possible. There is a term that is important for you to know, it's called a Rapid Rescore and it can save you a LOT of money in interest fees over time if you know about it. Listen in to learn this term and how it might apply to your situation if you are applying for debt (loans) in the future.
2020-07-0705 minCredit Coaching by KristiForbearance Awareness! (Borrower Beware)We have offers coming at us for forbearance on our student loans and mortgages. Listen in- as it has some pitfalls. Major need to know: if you are in forbearance for your mortgage, you may need to pay 3 months of on time payments after the forbearance in order to refinance or get a purchase mortgage loan. Also, a forbearance can effect your score, even though you are not late! Just the act of listing it as a forbearance can negatively impact your score. You need to know a few facts. Give me 8 minutes, I will give you great nuggets...
2020-06-3008 minCredit Coaching by KristiShould I Get a Credit Line Increase On My Credit Card?Ever wonder if increasing your credit limit will help your score? Your situation? Your financial snapshot?
I gotcha covered- listen in to answer if you should get a credit line increase on your credit card. I share when it is best to and not to, and on what kind of card you make the request. Remember me talking about becoming an authorized user on someone else's card? I will compare and contrast these two ways of building your credit and debt utilization as they can have different results.
2020-06-2409 minCredit Coaching by KristiSecured vs. Non-Secured DebtThere is a difference between secured and non-secured debt. And it reports as such on your credit report as well. Listen in and learn what makes them different and also those differences have in your money and credit goals.
2020-06-1711 minCredit Coaching by Kristi"Pay To Delete" - CollectionsPerhaps you have heard of this term or just wondering if it is possible- if I pay off a collection, can it or will it be deleted? Listen in to learn what can be deleted when paid and what cannot when it comes to collection accounts.
2020-06-1112 minCredit Coaching by KristiWhat's Important On Your Credit Report If You Are Applying For a Mortgage?I am asked ALL the time what underwriters are looking at when they are reviewing credit for approving a loan. There are MANY factors that go into a loan approval, but when it comes to your credit history and report, listen it to learn what is most important to know about what is needed for credit approval. Other factors go into determining approval, so this episode is a general overview of the credit portion of the application.
2020-05-3008 minCredit Coaching by KristiThe Impact of A RepossessionI know how hard it is to get by... just getting through to the next pay day, sometimes we feel really stretched. What happens when your car has issues, and it's the shop (AGAIN!!!) and now you are making repairs and car payments. I know many people, unfortunately due to lack of savings and a cash emergency fund, have to forfeit making their car payment to pay for repairs. After all, what good is paying for a car you can't drive? Well, it has a terrible impact on your credit. Listen in how a late payment becomes a collection...
2020-05-2113 min
BNI & The Power of OneBNI 275: Three Things I Wish I Knew - Guest Interview w/ Kristi NowrouziThis week we talk again with Kristi Nowrouzi, Director Consultant in BNI Central FL. Kristi shares 3 things she wish she knew as a new member.
2020-05-1826 minCredit Coaching by KristiWhat Is The Difference Between A Charge Card And A Credit Card?Is there a difference between a charge card and a credit card? We tend to use those terms interchangeably. However, they are in fact two different kinds of tradelines. And the differences can be quite stark, so listen in and learn what makes them different and what impact those differences have on your credit.
2020-05-1209 minCredit Coaching by KristiWhen Do Creditors Report To The Credit Reporting Agencies?Ever wonder when your credit report will be updated? Is it the first of the month? Is it only once a month? How often and when do my creditors report? Listen in to learn.... I used to think it was the start of the month, starting with a clean slate and recently updated information. Boy was I wrong! Because of the ways your creditor report, your credit score can (and does) change all the time.
2020-05-0908 minCredit Coaching by KristiHow To Survive This Time Without Maxing Out Your Credit CardsWith millions of people unemployed or furloughed, it is going to prove to be a challenging time to pay bills and put food on the table. Since delivering groceries taking on a (temporary) part time job isn't an option for many or most people, listen in for suggestions to stretch the dollar and avoid putting bills on your high-interest credit cards. This too shall pass! Let's stay in gratitude and stay focused on the big picture.
2020-04-1309 minCredit Coaching by KristiWhat Is a Dispute and What Do I Need To Know?You may have heard about disputes but unsure what to do, when to do it, how to do it, and if it will even help you. Listen in to learn some details about disputing errors and collections that are reported on your credit report.
2020-04-1313 minCredit Coaching by KristiHow Much Does Interest Cost Me?It's often SOOOOO easy to just swipe the credit card for a purchase or to sign a few papers and get another semester paid for. But have you looked into what it actually costs you, in dollars and cents, when you borrow money? We know we are paying "interest" to borrow, but have you seen the numbers? Warning: this should hurt! I want you hate how it feels in the cost to borrow money. I am exposing in this episode what the actual monetary cost is to you.
2020-04-0613 minCredit Coaching by KristiWhat is a good credit score and what gets reported on my credit report?What is a good score? 620? 700? Wonder where you line up in the world what is considered a "good" credit score? Listen in to find out what a good credit score is in Kristi's opinion, and how to keep or increase your score. And what reports to your credit report, anyway? Does your bank balance report? Marital status? Payment history? Find out now!
2020-04-0107 minCredit Coaching by KristiHow To Protect Your Credit During A DivorceGoing through a divorce can be messy, emotionally devastating and have a horrific effect on your your well-being, and your credit. Many people experience plunging credit scores due to their actions they have to endure going through a divorce with additional costs and expenses and experiencing so much change at one time. Listen in to learn some tips to protect your credit and finances during this tough time.
2020-03-3017 minCredit Coaching by KristiCar Loans and Student Loans- What you need to knowMost of us have a car loan, so what happens when you pay that car loan off, either paid in full or selling that car and getting a new one. How does that effect your credit score? And what impact does student loans have on your credit report? Listen in for tips!
2020-03-2407 minCredit Coaching by KristiCredit Inquiries: Soft Inquiries vs. Hard InquiriesInquiries have an effect on your credit score. An impact of 10% of what makes up your credit score. There is a difference between a hard and a soft credit inquiry, often referred to as a "pull." So what is a soft inquiry and what is a hard inquiry? Listen in!
2020-03-2010 minCredit Coaching by KristiWhat you need to know about 0% credit card offersEver feel like something is too good to be true? Please use caution when accepting a 0% interest only credit card- if that time runs out and you are not prepared, it can REALLY cost you. Don't learn this lesson the hard way! Listen in to learn some tips and what to be weary of when it comes to these offers from creditors.
2020-03-0915 minCredit Coaching by KristiWhat hurts my credit score the most?Credit scores can change in an instant! What has the biggest impact and why? Listen in to learn the top 5 things that can have a negative impact on your credit score so you can be in the know and avoid these actions to protect your score.
2020-02-2409 minCredit Coaching by KristiMeet your Coach!Welcome! This episode is an introduction to your coach, Kristi, and an overview of topics, tips, ideas, and suggestions that will come from future episodes. Kristi has analyzed over 2500 credit reports and has a deep understanding about what is important for an optimal credit score.
Kristi is not a credit repair agency. She is not here to sell her services. Your coach simply wants to present information that she knows and may people don't so that they too can have a great credit score and thus not overpay in interest like one might with a lower credit s...
2020-02-2224 min