61 - More FICO Fun - Some Good News, For Once, About Credit Scores - And More Credit Hacks!
How to Buy a Home: The #1 First Time Home Buyer Podcast
David Sidoni
4.8 • 891 Ratings
🗓️ 16 November 2021
⏱️ 36 minutes
🧾️ Download transcript
Summary
The higher your credit score, the less that you have to pay. If you have a low score, then David Sidoni has some great news for you! There is a new program that is FINALLY going to count your rental history as a POSITIVE on your credit score. Right now, you only get your missed payments counted on your score, and that’s not good. But if you have paid in good standing, the credit beauteous are finally going to acknowledge your time adulting, up to two years’ worth. Listen for that info, and more on FICO score hacks and planning to buy your first home.
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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with over 18 years of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.
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Transcript
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| 0:00.0 | Look, when you're trying to buy a home, I got to tell you right now, you're probably going to use a lot of four-letter words trying to figure it all out. |
| 0:06.8 | You're probably even going to scream the F word a lot. |
| 0:08.9 | No, not that one. |
| 0:10.4 | FICO! |
| 0:11.3 | As in your credit score. |
| 0:13.2 | That's the Fair Isaac Credit Corporation. |
| 0:16.0 | Who the hell is Isaac? |
| 0:17.2 | Well, let's talk about it. |
| 0:33.1 | Music Isaac? Well, let's talk about it. What is going on? My Home Purchasing Planning Peeps, I'm David David Sedoni and this is the How to Buy a Home podcast. |
| 0:39.5 | Your home for legit insider information, you're not going to find anywhere else because |
| 0:43.2 | unfortunately no decent realtors are acknowledging your existence or your need for information |
| 0:48.5 | on how to figure out this whole effing thing. So today I'm here to talk to you about that F word, |
| 0:56.3 | FICO. We're going to dive right into some awesome news about your credit score. This is interesting. I know I've been saying |
| 1:01.8 | it forever that your rent is not doing anything for you, but guess what? Your rent might not be |
| 1:06.1 | totally worthless. I've talked to you about this before, but I'm going to get deep into it |
| 1:10.2 | because now |
| 1:11.3 | it's becoming official. Did you know that currently your rent history does not count on your |
| 1:17.4 | credit score unless you do something special? Yeah, you know, credit scores suck in so many different |
| 1:23.4 | ways, but this by far is the worst way. I mean, you pay $1,500, $2,000, $3,500 a month every single |
| 1:33.9 | month in rent for a year, two years, three years, five years, but that does quad douche |
| 1:39.9 | for your credit score. Meanwhile, if you miss a $25 minimum payment on your credit card that you got back in college |
| 1:46.4 | in the quad, you know, you remember the one that you signed up for because you got it for free |
... |
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