05.04.23 Building Or Rebuilding Your Credit / Free Returns - While They Last

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 4 May 2023

⏱️ 23 minutes

🔗️ Recording | iTunes | RSS

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Summary

We all want to improve our credit. Learn Clark smart ways to build or rebuild your credit including the best secured credit cards. Also, Clark recently talked about the end of free shipping. Well its partner, free returns, is now on life support. Free returns have gone through the roof and online sellers are cracking down. What to know before you buy. Establish/Repair Your Credit: Segment 1 Ask Clark: Segment 2 The End Of Free Returns: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Credit Karma Review: Free Credit Score and More at Your Fingertips 4 Ways To Get Your Free Credit Score Why You Don't Need an 800 Credit Score What Is a Good Credit Score? The #1 Mistake That Can Hurt Your Credit Score Are You Following Clark's Maximum Auto Loan Length Rule? Amazon Just Made a Surprising Change That Breaks Its Most Important Rule. It'll Make Some Customers Angry Amazon will charge customers a fee for some UPS returns Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Crypto doesn't sleep, so neither do we.
0:04.0	Crack-and-client support is available 24-7, 365 days a year by call, chat, or email.
0:11.0	We're here for you whenever you need us.
0:14.0	Give us a shout at crackin.com forward slash support proof, not investment advice.
0:19.0	Crypto trading involves risk of loss.
0:22.0	It's my pleasure to welcome you to the Clark Howard Show where our mission is to serve you and empower you.
0:33.0	She make better financial decisions in your life.
0:37.0	One decision I hope you'll take is to subscribe to our podcast, our YouTube channel, or our newsletters.
0:45.0	You know the cost of each of them?
0:48.0	Absolutely free and at the same time.
0:51.0	Friceless!
0:52.0	You can also join our community at Clark.com slash community.
0:57.0	Follow us on social media, submit a question on Clark Stinks, or get one-on-one free advice, information guidance, which we've been doing for more than 30 years.
1:09.0	You can see how to do that at Clark.com slash CAC.
1:14.0	So I want to talk about trying to build up our credit.
1:19.0	There are so many people who don't know how to get going, where to start, what to do after a rough patch.
1:26.0	And I'm going to begin this episode today about taking you on the glide path to steadily better credit.
1:33.0	It doesn't have to be that perfect 850.
1:36.0	And later, I recently talked about free shipping, having more and more ring fences around it.
1:45.0	Because it ain't free in the first place.
1:48.0	What about returns? Returns have been a curse on retailers, and are actually becoming more difficult for you with more and more places when we talk about that later.
2:02.0	So for whatever reason, you're needing to establish credit, you have had bad credit, whatever it is, and I've talked about so much, and we've got so many questions about the best this card, the best that card, the best reward card, the best travel card.
	...

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