Credit Scores 101
Jill on Money with Jill Schlesinger
Audacy
4.6 • 1.9K Ratings
🗓️ 25 July 2019
⏱️ 29 minutes
🧾️ Download transcript
Summary
This week on the show we’re taking you to credit score boot camp with credit guru Gerri Detweiler.
Helping consumers find reliable answers to their credit questions has been the theme of Detweiler’s work for the past 20+ years. Currently Head of Market Education for Nav, she helps individuals and business owners navigate the confusing world of consumer and small business credit.
As an expert on credit issues, she has been interviewed for more than 3,000 news interviews including The Today Show, Dateline NBC, The New York Times, USA Today and Reader's Digest. She has also testified before Congress.
Nearly two years after credit monitoring company Equifax announced that a “Cybersecurity Incident” had exposed personal information of 147 million Americans, it will pay at least $575 million, and potentially up to $700 million, to end a federal, state, and consumer claims against it.
With breaches like Equifax happening on a seemingly regular basis, it’s more important than ever to keep a close eye on your credit score.
And don’t forget to review your credit report every 12 months at AnnualCreditReport.com. If you find an error, report it immediately and stay on top of the process, as a lower score will cost you more to borrow.
Have a money question? Email me here.
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https://www.linkedin.com/in/jillonmoney/ https://www.stitcher.com/podcast/jill-on-money"Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com.
Transcript
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| 0:00.0 | Hi, it's Jill Schlesinger on this episode of Jill On Money, we're talking credit. |
| 0:08.0 | Credit scores can only be calculated based on the data that they have, |
| 0:12.0 | and credit bureaus don't collect income. |
| 0:15.0 | They don't collect bank account data. |
| 0:17.0 | They only collect information from your creditors. |
| 0:20.0 | So that's frustrating for those who feel like they're financially responsible but feel like the credit system is stacked against them. |
| 0:27.4 | Welcome to the Jill on Money Podcast. |
| 0:29.6 | We're presented by Marcus by Goldman Sachs. You know you hate it. You know you love it. by Jerry Detwiler, you've probably seen her around because she is a credit expert and we are talking |
| 0:45.9 | credit. |
| 0:46.9 | So here's our interview with Jerry Detwiler. |
| 0:49.7 | You're listening to Jill on Money with Jill Schlesinger. |
| 0:54.0 | Jerry Detwiler. |
| 0:55.0 | I feel like I've known you for 10 years, but this is the first time we've met face to face. |
| 1:00.0 | I think it is. |
| 1:01.0 | It's exciting. |
| 1:02.0 | It's amazing. Okay okay we start the program with a very easy question are you |
| 1:08.7 | ready I'm ready what is the best money or career decision that you have made? |
| 1:16.0 | The best career decision I ever made was to go from being an independent contractor to a full-time employee. |
| 1:26.8 | I loved being a contractor. |
| 1:29.0 | It gave me a lot of flexibility and it allowed me to work with a lot of different clients but becoming a full-time |
| 1:36.2 | employee gave me access to great benefits. It helped with the big chunk of health |
| 1:41.5 | insurance costs and it allowed me to save more for |
... |
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