Building Credit From Scratch

DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing

Bleav + Quint Tatro & Daniel Czulno, CFP® a passionate look at everything money from budgeting, savings, investing, stocks, bonds, debt. For those that enjoy Dave Ramsey, Jill On Money, Smart Money, BiggerPockets it’s worth a listen!

Real Estate, Business, Education, Self-improvement, Investing, Money

4.6 • 858 Ratings

🗓️ 15 May 2026

⏱️ 18 minutes

🔗️ Recording | iTunes | RSS

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Summary

No credit history doesn't have to mean no options. Quint and Allie lay out a game plan for building credit from the ground up. What accounts to open, what habits to build, and how to establish a strong score without falling into debt traps. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Transcript

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0:00.0	Hey, this is Ali, and thanks for listening to the show.
0:04.2	Give us a five-star review where you listen and share this episode with someone who might need to hear it.
0:08.5	Now, enjoy the show.
0:13.9	Welcome back.
0:14.9	Ladies and gentlemen, you're listening to another edition of DiAwa Money.
0:19.3	Hey.
0:19.6	Howard.
0:20.2	What up, Q? Welcome back. Long time, No C. Yeah. You've been out of pocket. Tell us about your latest adventure because it was not a normal, like, go into the woods, try to find bears, sleep under the stars, whatever nonsense you're into these days. Get into cars with random strangers.
0:38.3	That part, I can't really. Pung to Tony Phil. That's fair. New York City in 24 hours. Okay. I mean, it's true. But this one, okay. This, this, hit us with it. A normal person vacation. Which was? I went to the beach with friends. Yes. Rented an Airbnb. B, parked myself at the pool.
0:55.6	Oh.
0:56.4	I got very burnt.
0:57.6	I will admit that. went to the beach with friends. Yes. Rented an Airbnb. Parked myself at the pool.
0:55.7	Oh.
0:56.4	I got very burnt.
0:57.6	I will admit that.
0:58.8	Yeah.
0:58.9	We went to the actual beach for two days, but it was close enough that we would go for like
1:03.5	four hours and then come back and take a nap and all the things.
1:07.2	And the first day, I made a classic mistake where you don't watch the time because you're on vacation and you apply sunscreen by vibes and it did not go well. By vibes. By vibes. Like you're like, yeah, it's probably been about an hour and a half. Let's slap some more on. And now I have the look, every woman dreams of Wiley Coyote right after something blows up in his face you know what's
1:28.6	funny is and the parents out there will know this it's like pre kids post kids with sunscreen
1:34.8	pre kids all about the vibe like i'm like eh whatever you know my burned do i feel burnt you got
1:41.5	sunglasses on you can't really see you're touching yourself to see if your fingers.
	...

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Generated transcripts are the property of Bleav + Quint Tatro & Daniel Czulno, CFP® a passionate look at everything money from budgeting, savings, investing, stocks, bonds, debt. For those that enjoy Dave Ramsey, Jill On Money, Smart Money, BiggerPockets it’s worth a listen! and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.