What’s your financial GPA?
Marketplace All-in-One
Marketplace
4.5 • 1.4K Ratings
🗓️ 13 September 2024
⏱️ 16 minutes
🧾️ Download transcript
Summary
Credit scores may seem scary and confusing, but they don’t have to be! Yanely Espinal sits down with financial therapist and money coach Jasmine Ramirez to talk about what a credit score is, how they’re calculated and what you can do to keep yours high.
Think you’re financially inclined? Dig deeper into credit scores:
- Understand how your credit score is calculated
- Learn more about how your age can influence your credit score
- Debunk common credit score myths
Are you in an educational setting? Here’s a handy listening guide.
This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account.
Transcript
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| 0:00.0 | Hey Parents and Teens, Financially Inclined is presented in partnership with Green Light, |
| 0:04.3 | the debit card and Money App for Teens. Credit scores. What exactly are they? |
| 0:09.6 | In today's episode, we'll dive into everything you need to know when trying to build your credit. |
| 0:14.4 | spoiler alert. |
| 0:15.9 | It's all about good financial habits, which start with Green Light. |
| 0:20.7 | With a Green Light debit card, you can learn how to manage your money and set yourself up for success with a credit card down the road. |
| 0:27.0 | Get $10 when you sign up for green light today at greenlight.com slash En find. That's greenlight.com slash Inclin'ed. |
| 0:35.0 | That's Greenlight. |
| 0:37.0 | I N. |
| 0:38.0 | In E. The What's up everybody? I'm Janelli Espinal and welcome to financially inclined from Marketplace. We are sharing money lessons for living life your own way. |
| 1:07.0 | This episode is all about credit scores. What they are, why they're important, and how you can improve yours or start |
| 1:16.1 | off on the right foot. Credit can seem like a game with complicated rules, but once you understand how to play, you can set yourself up for success. |
| 1:26.4 | Today I'm talking to Jasmine Ramirez, a licensed clinical social worker who went to |
| 1:31.8 | graduate school to become a financial therapist. |
| 1:35.1 | Jasmine works with clients one on one and she has a lot of experience helping people |
| 1:40.0 | understand how the credit system works so that they can improve their credit scores. |
| 1:45.8 | So let's get into it. |
| 1:48.7 | If you were talking to somebody who never had a credit card or a credit score or credit in their lives. |
| 1:55.2 | How would you explain to them what a credit score is? |
| 1:59.2 | A credit score is a number. |
| 2:01.6 | I like to think of it kind of like your GPA taking up all the classes that you have it's going to give you a score between 300 to 850. |
| 2:08.6 | 850 is like a plus plus 300 we got some work to do and really it's telling potential loners and people who are |
... |
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