55. Credit Check Yourself Before You Wreck Yourself

Pick Me Up, I'm Scared.

Madeline Pendleton and David Roberts

Society & Culture

4.8 • 783 Ratings

🗓️ 19 September 2022

⏱️ 146 minutes

🔗️ Recording | iTunes | RSS

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Summary

This week, Madeline & Kenna talk about credit scores, homemade Coffee Coke, and David Graeber! PATREON: https://www.patreon.com/pickmeupimscared SOURCES: https://tinyurl.com/y74muct2 https://tinyurl.com/2p8jnd4d https://tinyurl.com/yf2y94dz https://tinyurl.com/5yk56wpz https://tinyurl.com/4wc4wstu https://tinyurl.com/ebtdx6b5 https://tinyurl.com/fmzuyw94 https://tinyurl.com/bddyvtpy https://tinyurl.com/39ssncjn https://tinyurl.com/2p87zfyc https://tinyurl.com/5n77d32p https://tinyurl.com/3zhwa8dy https://tinyurl.com/2sxpa4kv https://tinyurl.com/ys4bbjza https://tinyurl.com/jsjnphzy https://tinyurl.com/y9n5ewe3 https://tinyurl.com/bd2kjk27 https://tinyurl.com/2ub8eyun https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3683219 https://www.kia.com/us/en/sportage-plug-in-hybrid https://www.myautoloan.com/rate-widget-v1.html https://www.forbes.com/advisor/credit-score/what-is-vantagescore/ https://www.visualcapitalist.com/history-consumer-credit-one-infographic/ https://time.com/3961676/history-credit-scores/ https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/ https://content.time.com/time/subscriber/article/0,33009,756386,00.html https://www.wired.com/1995/09/equifax/ https://muse.jhu.edu/article/236961/pdf https://www.lexingtonlaw.com/blog/finance/credit-score-statistics.html https://www.cnbc.com/select/side-effects-of-bad-credit/ https://medium.com/commonfuture/why-credit-scores-are-racist-da109fcfb300 https://www.investopedia.com/average-credit-scores-by-race-5214521 https://www.bostonglobe.com/2022/04/24/opinion/giving-credit-where-its-due https://www.bankrate.com/personal-finance/credit/how-to-build-credit/ https://merics.org/en/opinion/chinas-social-credit-score-untangling-myth-reality

Transcript

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0:00.0	Welcome to Pick Me Up, I'm scared. The podcast. I'm your host, Madeline. And I'm your co-host, Kena.
0:28.9	All right, Kenna, today I wanted to start the episode by asking you, what's your credit score?
0:35.6	Oh my gosh, I'm so happy. Now it is like 700. Oh, that's really good. Yeah,
0:42.0	because, well, okay, one is like 702 and the other one is 696. So that might not be 700, but I'm just
0:49.2	going to say it's 700 because I can't do math in my head because in school they said that we'd always have
0:54.5	a calculator.
0:56.3	Well, I think that that's probably good.
0:58.9	700 is a good estimate in between the two.
1:01.8	Is it just from credit karma?
1:03.2	Yes.
1:03.9	Oh my God.
1:04.5	Okay, this is like vaguely related.
1:06.4	But I like on TikTok never check my kind of private messages and credit karma DM'd me.
1:13.7	What?
1:14.3	Yes. And I told them to email me. So I might have that sweet sweet credit karma sponsorship because I talk
1:19.5	about them all the time. Yeah. Okay. Well, you're the one who told me about them because my
1:23.6	credit score was not great. Like when before we worked together, you were helping me get
1:28.9	together my finances and I think it was in the 500s. I don't think it was even in the 600s, but
1:35.4	when I was trying to get my credit score up earlier the year, I was like 610. Like I was like barely
1:43.2	over the amount to like qualify for like a mortgage.
1:46.9	And so I did some of the things where I got a credit card and I put money on it and I paid
1:53.0	it off immediately and it shot my credit score up really fast. That's really good. Yeah,
	...

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