

Ep 231: Credit 101 for grown folks: What it is and what it isn't
If talking about credit makes you anxious, confused, or just flat-out annoyed… you're not alone. In this episode, we break down the truth about credit scores and reports: what they are, how they work, the most common myths people believe, and why it’s time we stop treating credit like a moral compass.
Whether you’re building credit for the first time, trying to bounce back from a rough patch, or just wondering why your score dipped after doing the “right” thing - we got you.
We cover:
- The biggest myths about credit (including the one a lot of folks still repeat)
- Why your score is not a moral report card
- How to check your credit and why you must
- The rise of shady credit repair schemes
- Smart ways to build or rebuild without getting scammed
- Credit reports, analogies, and a little tough love
Links:
- Episode 211 - Everything you were never taught about bankruptcy (or watch it HERE)
- Check your credit report for free at AnnualCreditReport.com
- National Foundation for Credit Counseling (NFCC)
- Operation HOPE – Financial counseling and education
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