The Credit Game Just Changed—And It’s in Your Favor

The Credit Game Just Changed—And It’s in Your Favor

Are you dreaming of buying your home one day but your credit hasn't been cooperating?

Well great news! In a historic decision, the Federal Housing Finance Agency, the parent authority over Fannie Mae and Freddie Mac, has recently announced they are accepting VantageScore 4.0 to be accepted! Up until now, only FICO models were acceptable.

This change could help millions more show up on paper in a way that leads to loan approval, where in the past they may have experienced scores too low or credit too thin for approval. This is a GAME CHANGER and truly exciting!

Questions@creditkristi.com

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Episoder(154)

Stop Disputing Everything: How to Actually Fix Your Credit

Stop Disputing Everything: How to Actually Fix Your Credit

Are you "fixing" your credit by disputing everything negative? When people say they are “working on their credit,” they often mean someone is disputing every negative account on their report.But dispu...

3 Aug 27min

Can Your Credit Score Measure a Length of a Romantic Relationship?

Can Your Credit Score Measure a Length of a Romantic Relationship?

This one blew my mind. The Federal Reserve did a 15 year study over 12 million people and found an equation for determining how long a relationship might last depending on the credit score gap. Woah- ...

29 Jun 12min

Broke by Design?

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11 Jun 19min

Could Trump Cap APRs at 10% for a Year? And Let's Talk The Cost of Money

Could Trump Cap APRs at 10% for a Year? And Let's Talk The Cost of Money

President Trump sure is shaking things up. Social media is a-buzz with his crazy antics. Last week he went on social and posted he was going to have credit card APRs get reduced to 10% for a year. The...

15 Jan 12min

Psychology of Spending

Psychology of Spending

Before the action steps of paying off debt, getting out of debt, staying out debt, we really need to know a few angles in psychology that affects our spending and buying decisions. It even affects our...

26 Nov 202518min

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

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… bu...

12 Nov 202511min

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

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 d...

23 Okt 202516min

Medical Debts On Your Credit Report

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 ...

29 Sep 202512min

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