Understanding The Factors That Affect Your Credit Worthiness

The Royal Ties

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المحتوى المقدم من Clarck Cadet. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Clarck Cadet أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

This Is Woman's Work with Nicole Kalil

1
QUALIFIED: How Competency Checking and Race Collide at Work with Shari Dunn | 284 33:58

منذ 12 يومًا33:58

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قوائم

إعجاب

احب

33:58

In this episode, we delve into the concept of being "qualified" in the workplace, examining who gets labeled as such, who doesn't, and the underlying reasons. We explore "competency checking"—the practice of scrutinizing individuals' abilities—and how it disproportionately affects underrepresented groups, often going unnoticed or unchallenged. Our discussion aims to redefine qualifications in a fair, equitable, and actionable manner. Our guest, Shari Dunn , is an accomplished journalist, former attorney, news anchor, CEO, university professor, and sought-after speaker. She has been recognized as Executive of the Year and a Woman of Influence, with her work appearing in Fortune Magazine, The Wall Street Journal, Ad Age, and more. Her new book, Qualified: How Competency Checking and Race Collide at Work , unpacks what it truly means to be deserving and capable—and why systemic barriers, not personal deficits, are often the real problem. Her insights challenge the narratives that hold so many of us back and offer practical solutions for building a more equitable future. Together, we can build workplaces and communities that don’t just reflect the world we live in, but the one we want to create. A world where being qualified is about recognizing the talent and potential that’s been overlooked for far too long. It’s not just about getting a seat at the table—it’s about building an entirely new table, one designed with space for all of us. Connect with Our Guest Shari Dunn Website& Book - Qualified: https://thesharidunn.com LI: https://www.linkedin.com/today/author/sharidunn TikTok: https://www.tiktok.com/@thesharidunn Related Podcast Episodes: How To Build Emotionally Mature Leaders with Dr. Christie Smith | 272 Holding It Together: Women As America's Safety Net with Jessica Calarco | 215 How To Defy Expectations with Dr. Sunita Sah | 271 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music…

منذ عام واحد 8:22

MP3•منزل الحلقة

In this episode of The Royal Ties Podcast, Clarck Cadet dives deep into the critical factors that define your creditworthiness and how they shape your financial future.

Creditworthiness is more than just a score, it’s a reflection of your financial habits and decision-making, used by lenders, landlords, and even employers to evaluate your reliability. Understanding what influences your credit profile gives you the power to take control of your finances and position yourself for better opportunities. We unpack essential components of creditworthiness: payment history, which reflects your consistency in paying bills; credit utilization, showing how much of your available credit you’re using; the length of your credit history, which demonstrates how long you’ve been managing credit; your credit mix, indicating the variety of credit types you have; and recent credit inquiries, which reveal how often you’re seeking new credit. Each factor tells a piece of your financial story, and mastering them is key to improving your credit profile and building financial stability. Whether you’re working to rebuild after setbacks, maintain strong credit, or prepare for major milestones like securing a mortgage, starting a business, or lowering interest rates, this episode is packed with actionable strategies and insights. Creditworthiness isn’t just about borrowing, it’s a tool that can help you create opportunities, build trust, and achieve your goals.

Tune in to learn how to strengthen your credit, take control of your financial future, and turn your creditworthiness into a powerful asset.

Follow me on Instagram at:

@clarckthefinancialcoach

@theroyaltiespodcast

40 حلقات

Understanding The Factors That Affect Your Credit Worthiness

The Royal Ties

published منذ عام واحد

MP3•منزل الحلقة

In this episode of The Royal Ties Podcast, Clarck Cadet dives deep into the critical factors that define your creditworthiness and how they shape your financial future.

Tune in to learn how to strengthen your credit, take control of your financial future, and turn your creditworthiness into a powerful asset.

Follow me on Instagram at:

@clarckthefinancialcoach

@theroyaltiespodcast

40 حلقات

All episodes

1
S2 EP 38 Boost Your Credit Score_ Mia's Inspiring Journey 7:08

منذ 7 أيام7:08

7:08

Royalties Podcast – Episode 38 Title: How Mia Boosted Her Credit Score by 100 Points in 6 Months Host: Clarck Cadet – Your trusted financial coach, helping Canadians master credit and financial literacy. Episode Overview: In this episode, we dive into real, actionable strategies for increasing your credit score quickly and effectively . Through the story of Mia, a recent graduate from Montreal, Clarck walks us through proven credit-boosting techniques that helped her raise her credit score from 580 to 680 in just six months . If you’ve been struggling with bad credit, high interest rates, or denied loan applications , this episode is for you. Key Takeaways: 🔹 Understanding Credit Scores – What they are and why they matter. 🔹 Step 1: Check Your Credit Report – How Mia disputed an error that immediately boosted her score. 🔹 Step 2: Lowering Credit Utilization – Why keeping balances below 30% of your credit limit makes a huge impact. 🔹 Step 3: Increasing Credit Limits – A smart trick to improve your score without taking on more debt. 🔹 Step 4: Setting Up Automatic Payments – Ensuring on-time payments for a consistent score increase. 🔹 Step 5: Avoiding New Hard Inquiries – Why Mia strategically avoided new credit applications during her rebuild. 🔹 Step 6: Building Better Financial Habits – The long-term strategies that will keep your credit score high for life. Results: 🚀 Mia increased her credit score by 100 points in 6 months. 🚗 She qualified for a car loan with lower interest rates. 💳 She got a better rewards credit card (just like Clarck, who travels for FREE using points!). Final Thoughts: Improving your credit isn’t just about quick fixes—it’s about changing your financial habits for good. Are you ready to take control of your credit? 📢 Take Action! ✅ Get your free credit report from Equifax & TransUnion today. ✅ Need one-on-one help? Book a consultation with Clarck Cadet. ✅ Follow & Share this episode with anyone looking to boost their credit score! 🔗 Stay Connected with Clarck: 🌐 Website: www.clarckcadet.com 📱 Instagram: @ClarckTheCoach 🎙️ Listen to More Episodes: Royalties Podcast (Available on all major platforms!) Until next time, stay informed, stay motivated, and take charge of your financial destiny! 💰📈…

1
Understanding The Factors That Affect Your Credit Worthiness 8:22

منذ 6 weeks8:22

8:22

In this episode of The Royal Ties Podcast, Clarck Cadet dives deep into the critical factors that define your creditworthiness and how they shape your financial future. Creditworthiness is more than just a score, it’s a reflection of your financial habits and decision-making, used by lenders, landlords, and even employers to evaluate your reliability. Understanding what influences your credit profile gives you the power to take control of your finances and position yourself for better opportunities. We unpack essential components of creditworthiness: payment history, which reflects your consistency in paying bills; credit utilization, showing how much of your available credit you’re using; the length of your credit history, which demonstrates how long you’ve been managing credit; your credit mix, indicating the variety of credit types you have; and recent credit inquiries, which reveal how often you’re seeking new credit. Each factor tells a piece of your financial story, and mastering them is key to improving your credit profile and building financial stability. Whether you’re working to rebuild after setbacks, maintain strong credit, or prepare for major milestones like securing a mortgage, starting a business, or lowering interest rates, this episode is packed with actionable strategies and insights. Creditworthiness isn’t just about borrowing, it’s a tool that can help you create opportunities, build trust, and achieve your goals. Tune in to learn how to strengthen your credit, take control of your financial future, and turn your creditworthiness into a powerful asset. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

1
The Shadow Of Debt - Navigating The Long-Term Consequences Of Bad Credit 5:49

منذ 8 weeks5:49

5:49

In this powerful episode of The Royal Ties Podcast, host Clarck Cadet takes an in-depth look at the lasting effects of bad credit and unresolved debt, shedding light on the challenges many people face but rarely discuss. Poor credit doesn’t just limit your financial opportunities, it creates a ripple effect that can impact nearly every aspect of your life, from being denied loans and paying higher interest rates to struggling with housing, employment opportunities, and even personal relationships. We dive into the realities of living with bad credit, exploring how it shapes long-term financial stability and the sense of control over your future. But this isn’t just a conversation about consequences, it’s also about solutions. In this episode, you’ll learn actionable steps to start repairing your credit, strategies for managing debt effectively, and the mindset shifts needed to rebuild your financial foundation. With relatable examples and real-world insights, we equip listeners with the tools to break free from the shadow of debt and reclaim control of their financial narrative. Whether you’re currently struggling with bad credit, recovering from financial setbacks, or looking to help someone else navigate these challenges, this episode offers hope, guidance, and a clear path forward. Tune in and discover how to turn financial setbacks into stepping stones for a brighter future. Follow me on Instagram: @clarckthefinancialcoach @theroyaltiespodcast…

1
Exploring The Different Types Of Credit And Their Impact On Your Score 5:40

منذ 10 weeks5:40

5:40

In this in-depth episode of The Royal Ties Podcast, host Clarck Cadet takes you on a comprehensive journey into the world of credit, demystifying the various types and their profound impact on your financial health and credit score. Credit isn’t just about borrowing money, it’s about understanding how different accounts, like revolving credit (credit cards), installment credit (car loans, mortgages), and open credit lines, contribute to your overall financial profile. Each plays a unique role, and we explain how they work, why they matter, and how to use them strategically. This episode goes beyond the basics, breaking down the credit mix, payment history, and utilization rates that make up your score. We provide actionable insights into how to balance these elements effectively, avoid common pitfalls, and turn your credit into a valuable financial asset. From building credit for the first time to repairing and optimizing it for better financial opportunities, this discussion is filled with practical advice and proven strategies to guide you every step of the way. Whether your goal is to boost your score, secure lower interest rates, or better understand how lenders view your financial behavior, this episode delivers the knowledge and tools you need. Packed with real-life examples, expert insights, and actionable takeaways, it’s your ultimate guide to unlocking the full potential of your credit. Tune in and learn how to transform your credit into a stepping stone toward long-term financial success and stability. Follow me on Instagram: @clarckthefinacialcoach @theroyaltiespodcast…

1
Steps To Take After Being Denied Credit 4:36

منذ 13 weeks4:36

4:36

Welcome back to the Royal Ties Podcast, where Clarck Cadet turns financial challenges into opportunities for growth and success. Today we’re diving into a situation many have faced but rarely talk about: being denied credit. Whether it’s for a loan, a credit card, or financing for your goals, a denial can feel like a major roadblock. But here’s the truth, a credit denial isn’t the end of the journey. It’s a chance to regroup, strategize, and set yourself up for a stronger financial future. In this episode, we’ll break down the essential steps to take after a credit denial. We’ll start by understanding the reasons behind the decision and how to carefully review your credit report for errors that could be holding you back. Next, we’ll dive into actionable strategies for improving your credit, including reducing debt, managing credit utilization, and rebuilding your financial profile. You’ll also learn about creative tools like secured credit cards and reconsideration letters to help you regain control and increase your chances of approval in the future. A credit denial isn’t a stop sign, it’s a detour pointing you toward smarter decisions and better opportunities. Whether you’re focused on personal credit, business financing, or simply building a stronger foundation, this episode is packed with practical advice to help you turn rejection into redirection. So get comfortable, and let’s get to work. Your next big “yes” starts here on the Royal Ties Podcast. Let’s dive in! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

1
How To Rebuild Your Credit After Bankruptcy Or Foreclosure 5:32

منذ 15 weeks5:32

5:32

In this episode of the Royal Ties Podcast, Clarck Cadet focuses on a critical and empowering topic: How to Rebuild Your Credit After Bankruptcy or Foreclosure. Financial setbacks like these can feel overwhelming, but they don’t define your future. With the right approach, they can serve as the starting point for a powerful financial comeback. We break down everything you need to know to rebuild your credit step by step. Learn how bankruptcy and foreclosure impact your credit score and how to assess your current financial standing. We provide actionable strategies to rebuild your credit, including how to effectively use secured credit cards, credit-builder loans, and positive payment histories to your advantage. Discover the power of negotiating with creditors to create more manageable repayment terms and the importance of sticking to a realistic budget to avoid falling into old habits. We also share insights on credit monitoring, creating a savings buffer to prevent future setbacks, and avoiding the most common mistakes that could slow your progress. Whether you’re starting fresh after bankruptcy, recovering from foreclosure, or helping someone else on this path, this episode offers invaluable advice to help you take control of your financial future. With expert guidance and motivational approach, you’ll gain the confidence and tools needed to rebuild your credit and regain financial stability. This isn’t just about bouncing back, it’s about creating a stronger foundation for long-term success. Don’t miss this in-depth and inspiring episode. Tune in now and take the first step toward your financial freedom! Follow me on Instagram: @clarckthefinancialcoach @theroyaltiespodcast…

1
Understanding The Difference Between Soft And Hard Inquiries 6:57

منذ 17 weeks6:57

6:57

In this must-listen episode, Clarck Cadet tackles a topic that often confuses even the most financially savvy: the difference between soft and hard credit inquiries. Understanding how these inquiries work is essential for anyone looking to maintain or improve their credit score. We break down the differences, explaining how soft inquiries, like checking your own score or getting pre-approved offers, are harmless, while hard inquiries, such as applying for a loan or credit card, can temporarily lower your score. Throughout the episode, we provide actionable tips on how to strategically manage these inquiries. You'll learn when it's best to avoid hard pulls, how to leverage soft checks for routine credit monitoring, and how to time your credit applications wisely to protect your score. Whether you're planning a major purchase or simply want to optimize your credit health, this episode offers the insights you need to make smarter financial decisions. Tune in now on all podcast platforms and take the first step toward mastering your credit strategy! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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The Do's And Dont's Of Cosigning A Loan 6:14

منذ 19 weeks6:14

6:14

In this episode of the Royal Ties Podcast, Clarck Cadet takes a deep dive into the often-overlooked risks and rewards of cosigning a loan, offering listeners a clear guide to this complex financial commitment. While cosigning can be a valuable way to support family or friends in reaching major goals like buying a home or consolidating debt, it also places a significant burden on the cosigner’s credit score, borrowing power, and financial security. We discuss the crucial “do's,” such as carefully reviewing loan terms, setting clear expectations with the borrower, and ensuring that a reliable repayment plan is in place. We also cover the “dont's,” including agreeing to cosign without fully understanding the financial risks, failing to communicate about potential issues, and neglecting to establish safeguards to protect one’s own credit. By sharing actionable strategies, like setting up payment alerts and having legal agreements to secure repayment, we empower listeners to make informed decisions that balance generosity with financial responsibility, ensuring they can support loved ones without jeopardizing their own financial goals. Tune in to this episode and learn how to approach cosigning responsibly, helping loved ones without compromising your own financial well-being. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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Credit Repair Strategies For A Fresh Start 7:13

منذ 21 weeks7:13

7:13

In this episode of the Royal Ties Podcast, Clarck Cadet will be diving into "Credit Repair Strategies for a Fresh Start," breaking down the steps you can take to regain control of your financial future. Credit repair is more than just fixing a score; it’s about understanding the factors that impact your credit and making informed decisions moving forward. We’ll start by discussing how to review your credit report thoroughly, identifying any errors or outdated information that could be dragging your score down. We’ll also share tips on how to dispute inaccuracies with credit bureaus, which can quickly help boost your score. From paying off high-interest debts to managing your credit utilization ratio, we’ll walk you through the steps you need to take for a true financial reset. Whether you’re dealing with lingering debts or simply want to improve your credit for future goals, this episode is packed with actionable advice. So grab your headphones and get ready to take the first step toward a fresh start! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

1
The Benefits And Drawbacks of Credit Consolidation 6:21

منذ 23 weeks6:21

6:21

In this episode of the Royal Ties Podcast, Clarck Cadet takes a deep dive into the world of credit consolidation, exploring how it can be a useful tool for managing debt. We explain the benefits, such as combining multiple payments into one and potentially reducing interest rates, making debt repayment more manageable. However, it’s not all positive—we also cover the potential drawbacks, like hidden fees, extended repayment terms, and the impact it can have on your credit score. Whether you're considering credit consolidation or just curious about how it works, this episode provides all the insight you need to make an informed decision about your financial future. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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Exploring The Impact Of Missed Payments And Late Fees On Credit Scores 7:49

منذ 25 weeks7:49

7:49

Did you know that just one missed payment can have a serious impact on your credit score? In this week’s episode of The Royal Ties Podcast, Clarck Cadet explores the hidden dangers of missed payments and late fees, and how they can affect your ability to borrow, increase your interest rates, and even hurt your chances of getting approved for loans. We’ll break down why these mistakes matter, how to avoid them with practical tips, and what steps you can take to recover if you’ve already missed a payment. Whether you’re working to build your credit or fix past missteps, this episode is packed with essential advice to help you protect and strengthen your financial future. Tune in now to learn how you can stay ahead of your credit score and keep your finances on track! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

1
Clearing The Record-How To Effectively Dispute Credit Errors 7:42

منذ 27 weeks7:42

7:42

Ever wondered how to correctly dispute errors on your credit report? In this episode of the Royal Ties Podcast, Clarck Cadet tackles this essential topic for anyone looking to take control of their financial future. Credit report mistakes can seriously impact your financial health, lowering your credit score and raising the cost of borrowing. We explain how to identify inaccuracies, walk listeners through the process of disputing errors with credit bureaus, and offer tips on gathering the right documentation. Whether dealing with identity theft or reporting mistakes, this episode provides practical steps to protect your credit score and ensure your financial history is accurately reflected. Don’t let a credit error hold you back—tune in to learn how you can take control of your financial reputation and set the record straight once and for all. Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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Exploring Pros And Cons Of Debt Settlement Programs 7:16

منذ 29 weeks7:16

7:16

Welcome back to the Royal Ties Podcast where Clarck Cadet discusses the up and downsides of Debt Settlement Programs. These programs can offer a way to reduce your overall debt by negotiating with creditors to settle for less than what you owe. This can be a relief, especially if you’re trying to avoid bankruptcy and want to stop relentless collection calls.program can severely damage your credit score as creditors may report unpaid debts during negotiations. Additionally, some companies charge high fees, which might diminish the savings from settling your debt. Not all creditors will agree to a settlement, and there’s no guarantee of success. Stay tuned, as we continue to provide valuable insights and updates on managing your finances effectively! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

1
The Link Between Credit Scores And Insurance Rates 7:55

منذ 31 weeks7:55

7:55

The Royal Ties Podcast is back again, now with season 2!! Welcome to today's episode, where Clarck Cadet explores the intriguing connection between credit scores and insurance rates. You might be surprised to learn that your credit score can significantly impact what you pay for insurance. We explain how insurers often use credit scores as a factor in determining premiums, under the belief that individuals with higher credit scores are less likely to file claims. This means that a good credit score can potentially lower your insurance rates, while a lower score might result in higher premiums. We'll dive into how this linkage works, the rationale behind it, and what you can do to manage both your credit and insurance costs effectively. Stay tuned as we unravel this financial puzzle and provide you with actionable insights. It's time to empower your future by mastering your finances starting today! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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The Impact Of Job Loss On Credit Scores And How To Manage It 9:51

منذ 38 weeks9:51

9:51

Do you find it difficult to understand the complexities of personal finance? In today's episode, we explore a critical issue affecting millions: the profound impact of job loss on credit scores. Come learn about the ways that unemployment can impact your finances and discover professional methods to help you overcome these obstacles as we explore this topic in depth. This episode aims to equip you with the knowledge you need to protect your financial future, from helpful pointers on preserving your creditworthiness to enlightening counsel on recovering from failures. Now is the time to pay attention and take control of your finances! Follow me on Instagram at: @clarckthefinancialcoach @theroyaltiespodcast…

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The Royal Ties « » Understanding The Factors That Affect Your Credit Worthiness

Understanding The Factors That Affect Your Credit Worthiness

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