I dunno how we've gone almost a year without talking about credit scores - so surprised that I had to check the episode list.  But, better late than never - it's time to fix that shitty credit of yours.

Having a non-shitty credit score is absolutely required in our society if you don't want to waste buckets of money and be wildly inconvenienced on a regular basis.  Companies these days actually assume you, the consumer, doesn't suck at life when advertising their products and offers. Anyone that doesn't meet that expectation will be incredibly embarrassed when they attempt to purchase or use those services and the company laughs them out of the building. Best case scenario, they'll do business with you but charge you a "Shitty Credit" surcharge, like an inflated "Security Deposit" for that apartment or your utility service - worst case scenario they just tell you to kick rocks.  It's a lot more than just buying cars and houses. 

Today we're gonna learn how credit actually works, what's causing your score to be so shitty, what factors are more important, how to manipulate your existing situation to maximize your score, and how to dig your way out of a shitty score and deal with those nagging collection agencies.

Welcome to - “How To Fix Your Credit”