Best Creditreport Podcasts (2026)

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Maximize your Tax Refund 24:24

Play Pause

9M ago24:24

24:24

What are you doing with your tax return this year? Before you do anything, in this episode of "Your Credit Today," Angela challenges the common advice of using your tax refund to pay off credit card debt and offers smart, strategic alternatives. Discover how to break the cycle of debt and make smarter money moves for long-term financial success. Un…

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Spring Cleaning for Your Credit 35:36

10M ago35:36

35:36

Reset your financial situation and make 2025 your best financial year yet with Angela Setters Bessard, the real credit queen. Dive into essential strategies to refresh your credit, manage your debt, and revamp your budget. Learn how to effectively check and update all three of your credit reports. Discover methods to consolidate and manage credit c…

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Love and Money - How Can Two Walk Together Unless They Agree? 38:23

11M ago38:23

38:23

Angela, The Real Credit Queen, invites her husband, Ralph Bessard, to discuss the critical aspects of managing finances within a relationship. They share their journey through the peaks and valleys of financial management together, and the importance of teamwork, financial self-love, and repairing relationships with money. Angela and Ralph draw fro…

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Creating a Financial Vision for 2025 21:10

1y ago21:10

21:10

As we approach a new year, it’s easy to get caught up in traditional goal-setting—but what if there’s a better way? In this episode of Your Credit Today, Angela Setters Bessard challenges you to rethink your approach by focusing on financial intentions rather than rigid goals. Intentions tap into your deeper “why,” keeping you motivated and inspire…

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Homebuying Mistake #10: "Not Negotiating Your Mortgage" 12:52

1y ago12:52

12:52

Many buyers don't realize they have room to negotiate better mortgage terms, which can save thousands over the life of their loan. In this episode, we'll talk about how to approach lenders, compare options, and get the best rate possible. 💡 For more tips on financial do's and don'ts, check out my Smart Homebuying Finances. Enjoy 50% off with code S…

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Mind Over Money 18:02

1y ago18:02

18:02

As 2024 comes to a close, Angela Setters Bessard takes a deep dive into the emotional side of money, uncovering how past experiences, fears, and financial trauma influence our financial behaviors today. In this episode, Angela shares actionable tips and powerful insights to help you shift your mindset around money and credit, empowering you to star…

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Homebuying Mistake #9: "Making an Offer Without Understanding Contingencies" 14:36

1y ago14:36

14:36

Not including the right contingencies can put you at risk. In this episode, we'll talk about the key contingencies you need to protect your interests. 💡 Protect your investment with the right contingencies. My Smart Homebuying Finances Course covers this crucial step. Use code SMARTPOD for 50% off until November 30, 2024! 📲 Visit my website: lauram…

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Homebuying Mistake #8: Underestimating the Value of a Good Agent 15:07

1y ago15:07

15:07

A skilled agent can be a game-changer! I'll explain why finding the right agent can save you money, time, and help you get the best deal. 💡 Learn how to choose the best agent with my Smart Homebuying Courses! Get 50% off using code SMARTPOD until November 30, 2024. 📲 Visit my website: lauramoreno.com 📚 Course Link: Smart Homebuying Finances 📊 Data …

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Homebuying Mistake #7: Skipping the Home Inspection 12:21

1y ago12:21

12:21

Home inspections aren't optional! In this episode, I'll explain how inspections protect you from costly surprises down the road. Don't make the mistake of skipping this crucial step! 💡 Make sure your investment is protected. My Smart Homebuying Course covers the inspection essentials. Use SMARTPOD for a 50% discount until November 30, 2024! 📲 Visit…

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Credit Wellness 26:59

1y ago26:59

26:59

In this episode, Angela Setters Bessard reveals how mastering credit wellness can be a game-changer for achieving financial freedom. She shares key insights and practical steps to empower listeners to take control of their credit health. Breakdown of credit score components: debt-to-credit ratio, payment history, and credit mix. Common credit pitfa…

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Financial Healing for the Holidays 26:07

1y ago26:07

26:07

In this episode, Angela Setters Bessard offers invaluable advice on managing finances during the holiday season without sacrificing joy or peace. She shares practical tips to help listeners stay financially grounded while creating meaningful holiday experiences. Setting holiday spending goals: The importance of planning ahead to avoid last-minute f…

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Homebuying Mistake #6 Not Researching the Neighborhood 17:18

1y ago17:18

17:18

A home is only as valuable as its neighborhood! Today, we'll cover why researching neighborhoods is essential for long-term satisfaction and wealth-building. 💡 Find the perfect area for your family with tips from my Smart Homebuying Finances Course. Use code SMARTPOD at checkout for 50% off until November 30, 2024! 📲 Visit my website: lauramoreno.c…

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Homebuying Mistake #5: Skipping the Pre-Approval Process 15:29

1y ago15:29

15:29

Skipping pre-approval can lead to heartbreak later on. In this episode, learn why getting pre-approved is a game-changer and how it gives you a competitive edge and a clear budget. 💡 Avoid costly surprises with my Smart Homebuying Course! As a podcast listener, enjoy 50% off with code SMARTPOD until November 30, 2024! 📲 Visit my website: lauramoren…

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Homebuying Mistake #4: Getting Too Attached to a Home 19:07

1y ago19:07

19:07

It's easy to fall in love with a home—but emotions can lead to overspending or overlooking major issues. I'll share advice on how to balance your heart and your budget in today's episode, and why keeping your financial goals in mind is essential. 💡 Want help staying on track with your goals? My Smart Homebuying Course will help you make informed de…

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Homebuying Mistake #3: Ignoring Additional Costs 9:26

1y ago9:26

9:26

Buying a home involves more than just a mortgage payment! In this episode, we'll go over hidden costs like HOA fees, maintenance, and property taxes that buyers often forget. Don't let these expenses surprise you—get prepared with real-life budgeting tips. 💡 Get organized and stay ahead of expenses! My Smart Homebuying Course offers a Home Buying E…

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Homebuying Mistake #2: Skimping on the Down Payment 8:51

1y ago8:51

8:51

Today, we'll discuss why your down payment matters more than you might think. A low down payment can lead to high monthly costs, added PMI, and long-term financial strain. Tune in to learn how to save smartly and set yourself up for financial success! 💡 Take charge of your home-buying journey! My Smart Homebuying Course has tools to help you plan t…

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Homebuying Mistake #1: "Not Knowing How Much You Can Afford" 16:18

1y ago16:18

16:18

Homebuying Mistake #1: Not Knowing How Much You Can Afford Description: In this episode, we're diving into one of the biggest mistakes home buyers make—jumping into the search without understanding what they can realistically afford. We'll go over the total costs of homeownership, beyond just the mortgage payment, and I'll share practical tips to c…

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Kids and Credit! Let's Talk About It! 24:51

1+ y ago24:51

24:51

Angela Setters-Bessard, The Real Credit Queen, dives deep into equipping teens with financial literacy. Learn strategies to teach your kids about bank accounts, managing credit, and avoiding debt pitfalls. Discover the benefits of authorized user status, secured and student credit cards, and the pros and cons of co-signing. Angela also shares pract…

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What! A collection from my car lease/loan? Impossible! 29:08

1+ y ago29:08

29:08

The Real Credit Queen, Angela Setters-Bessard leaves out no details this week on why it's so crucial to understand credit and budgeting when you’re up for a big purchase like a car. This episode isn’t just about credit scores. Angela covers the whole picture of financial prep, the traps to avoid, and some smart budgeting hacks. She chats about key …

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Why you want to work with Conquer Credit Management - Part 2 22:07

1+ y ago22:07

22:07

The team sheds light on how they provide personalized credit management, focusing on building relationships and creating impactful experiences that lead to long-term results. Learn about their commitment to customer service, education, and the meticulous process they follow to ensure every client feels empowered and informed. This episode highlight…

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Why you want to work with Conquer Credit Management - Part 1 27:08

1+ y ago27:08

27:08

There are so many moving parts to credit and finances - do you understand AND manage your credit effectively? The Real Credit Queen, Angela Setters-Bessard is joined by team members Samantha Headlee, Operations and Client Experience Manager at CCMI, and her partner in business and life - Chief Financial Officer, Founder, and husband, Ralph Bessard.…

1
Protecting your Brand identity - Trademarking Your Business with Nicole Swartz of Sprout Law 30:26

1+ y ago30:26

30:26

Ready to level up your business and protect your brand? Attorney Nicole Swartz knows first hand why trademarks are essential for small businesses – she was running a thriving skincare brand. In two years her business went from a side hustle to a full time international company. One day, she woke up to a cease & desist letter, someone trademarked he…

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Collections - how to protect yourself, understand what you are paying and more! 29:02

1+ y ago29:02

29:02

EEK! Did you get a collections call? Something unexpected on your credit report? We talk to people every day about collections! Collection accounts stem from all sorts of unpaid bills, from medical and utility expenses to credit card debt. They can be managed internally or by third-party agencies, and knowing the difference is key when trying to so…

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Credit Score Modeling Demystified 30:50

1+ y ago30:50

30:50

Ever wondered what makes or breaks your financial credit score? Your credit to debt ratio is the key, and how you tap into your credit limit. Balancing what you owe and how much you're using is key to keeping your score in check. What about auto model credit scores? These scores zoom in on your car-related credit history. With credit unions in your…

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Why is there a LIEN on my home? 24:24

1+ y ago24:24

24:24

What measures can individuals take to protect themselves in the event of a financial crisis or the passing of a spouse or partner? The Real Credit Queen, Angela Setters Bassard explains the basics of property liens, and their impact on your property and your finances. This episode was inspired when a client needed advice - a young widow who was una…

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Balance transfers: The Good, the Bad and The Ugly! 22:34

1+ y ago22:34

22:34

Is that balance transfer offer a good idea? In this episode of 'Your Credit Today,' your host The Real Credit Queen Angela Setters Bassard breaks down the topic of balance transfers. Angela addresses common concerns about whether balance transfers impact credit scores, including the potential negative and positive effects. Angela stresses the impor…

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Planning, Saving, and Investing with Justin Krane 43:53

1+ y ago43:53

43:53

This week's guest, Justin Krane, a certified financial planner professional, is the founder of Krane Financial Solutions. Known for his savvy, holistic approach to financial planning, he advises his clients on how to unite their money with their lives and businesses. Justin shares insights about his personal and professional life, discussing his ca…

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What is a Buyer Representation Agreement, with Mary Cates 23:42

1+ y ago23:42

23:42

What is a Buyer Representation Agreement, - Introduction Mary Cates is a Realtor that found her happy place in the Piedmont Triad area of North Carolina. Mary where she helps resale clients, out-of-state clients and first time homebuyers. She enjoys helping clients navigate the real estate process and ultimately finding the home of their desire. In…

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What is the Difference between a Freeze and a Lock 20:30

1+ y ago20:30

20:30

When you have questions about anything credit related, The Real Credit Queen, Angela Setters Bessard has the answers. This week she's taking the overwhelm out of locking and freezing your credit. This episode is going to answer every question you ever had about the process, why you would do it, and how it helps you. Locking your credit and freezing…

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The Truth About SONYMA Down Payment Assistance Program with Christine Perlow 35:47

1+ y ago35:47

35:47

SONYMA Down Payment Assistance Program - Introduction The Truth About SONYMA Down Payment Assistance Program with Christine Perlow Christine Perlow is a Sr. Loan Officer at Nationwide Mortgage Bankers. She has been in the mortgage industry for over 30 years and she is most passionate about helping her First Time Buyers. She has been in the SONYMA H…

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Creating a Legacy: Financial and Fashion Wisdom with Jhoanna Alba 38:47

1+ y ago38:47

38:47

Angela, The Real Credit Queen is with Jhoanna Alba, founder and chief fashion designer of ALBA, brings over 20 years of fashion expertise to creating signature looks for an elite clientele. Her designs interweave bold, colorful custom fabrics that showcase each client's unique personality and style. She shares her journey of decades in the fashion …

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Teaching Financial Literacy to the Next Generation: Game Plan for Success 35:18

1+ y ago35:18

35:18

How do you support your children to grow their financial literacy? The Real Credit Queen Angela is joined by her son Justin, an accomplished basketball athlete with a masters in business. They discuss financial literacy for young people and the importance of being business and financially savvy beyond the basics learned in school. As successful as …

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Why It Is Essential To Talk To A Mortgage Officer Early On, With David Epstein 28:31

1+ y ago28:31

28:31

David Epstein - Introduction David Epstein is the Vice President of First Securities Home Mortgage, and independent mortgage broker in Royal Oak, Michigan. He has been in the mortgage industry since 1993 and he focuses on giving the best customer service, follow up and attention to detail because he believes this is essential when working on mortga…

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31 Very Important Facts About your Credit Score and the Things that you Need to Know - Part 1 25:03

1+ y ago25:03

25:03

People always ask - I don't really understand why credit is so important. Why do the banks and financial institutions need to know about my history? There are so many reasons! This episode is one of several where Angela is discussing your credit and the reasons consistency and a good ongoing relationship with your credit history and credit score is…

1
Why Agents & Lenders Need To Lead With Value (Specially After NAR's Settlement), with Paul Abraham 43:47

1+ y ago43:47

43:47

Paul Abraham - Introduction Paul Abraham AKA BetterCallPaul is a mortgage lender and owner of LocalLender that has been in the mortgage business for 30 years. The first 10 years he was a loan officer and now he has become a loan officer trainer. He now runs a Facebook group with over 41k loan officers when he helps them to grow their business. Home…

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Why Buying Overseas Could Be The Best Option for First Time Home Buyers Today, with Rodolfo Delgado 32:18

1+ y ago32:18

32:18

Rodolfo Delgado - Introduction Rodolfo Delgado is a real estate startup founder based in New York and CEO of Replay Listings and Forbes contributor. He also bought his first home overseas and he is coming to share his experience and what he learned in the process. When he is not working he loves swimming and boxing. Home Buying Resources Navigating…

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3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024 25:23

1+ y ago25:23

25:23

3 Ways to Compensate Buyer's Agents (and Why) Starting July 2024 In July 2024, significant changes are set to reshape how buyer's agents are compensated in real estate transactions. These changes have far-reaching implications for members of the real estate industry, as well as for home buyers and sellers. Let's delve into what these changes mean f…

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Even the Who's Who in Sports, Entertainment and Music need guidance! With Matthew Hoffman 38:56

1+ y ago38:56

38:56

On Your Credit Today, The Real Credit Queen Angela Setters Bessard, is interviewing Matthew Hoffman, the founder of Trusted Advisor - the best platform for advisors with high profile entertainment, music and pro sports clients. Trusted advisor is a platform that unites prominent business managers, artist managers, entertainment attorneys, wealth ma…

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Unlocking Wealth: Why Buying a Home Sooner is Your Best Investment with Nick Mullen 26:38

1+ y ago26:38

26:38

Nick Mullen - Introduction Nick Mullen is a real estate agent in Northern Virginia. He believes real estate is a great wealth building tool, and it's available to everybody. Recently, he's been working with buyers to acquire lots to build their dream homes. When he's not working he enjoys the company of family, playing music with his friends, and t…

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Cyber Security with Paul Paul Viollis 37:41

1+ y ago37:41

37:41

This week the Real Credit Queen. Angela Setters Bessard is joined by Paul Viollis - Global Business Leader, Accomplished Author and TV & Radio Personality. For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of the…

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Demystifying Mortgages: A Comprehensive Guide for First-Time Buyers by Annika Lynn 33:43

1+ y ago33:43

33:43

Annika Lynn - Introduction Annika Lynn is a Certified Mortgage Advisor based in South Carolina, with licenses spanning 14 additional states. She specializes in helping first-time home buyers and facilitating VA loans. Annika thrives on guiding clients toward building wealth through real estate and to getting them smoothly to the finish line and int…

1
Identity Theft and how it happens PROTECT YOURSELF! Part 1 41:33

1+ y ago41:33

41:33

In this weeks episode we are discussing a subject that touches millions annually but is rarely discussed with the seriousness it deserves – identity theft. It’s a topic that’s not only prevalent but also evolving, and it impacts personal finance and credit health in disasterous ways. I’m thrilled to have the backbone of our operation at Conquer Cre…

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The Art of Persuasion: Winning Your Dream Home with a Letter to the Seller, with Donovan Reyes 23:21

1+ y ago23:21

23:21

Donovan Reyes - Introduction Donovan Reyes is a real estate agent in Las Vegas. He sells over 100 homes a year to first time homebuyers, investors, professional athletes, and sellers. When he is not selling real estate, he is hanging out with his wife and 4 dogs. Home Buying Resources Navigating the world of home buying can be overwhelming, especia…

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Business Building Strategies with Corporate Structure Guru AnGèle Cade 41:55

1+ y ago41:55

41:55

This week on 'Your Credit Today', the Real Credit Queen, Angela Setters Bessard is with guest AnGèle Cade, the CEO of Executive On the Go and a vision architect and business strategist. AnGèle helps passionate entrepreneurs honor their purpose and passion, while increasing their profits and validity all through the power of bulletproof business str…

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Superpower Los Angeles Attorney talks to The Real Credit Queen about Financial Infidelity 48:38

1+ y ago48:38

48:38

This week join Angela as she has a compelling conversation with Robbin Itkin, a Partner at Sklar Kirsh LLP - a business strategist and creative problem solver, financial restructuring specialist in all industries inside and outside of bankruptcy court and a certified mediator. They discuss the importance of understanding and managing one's finances…

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Assumable Mortgages 101: The Key to Your First Home, with Michael Lorino 37:59

1+ y ago37:59

37:59

Assumable Mortgages 101 with Michael Lorino - Summary Michael Lorino is the founder and CEO of AssumeList, a site where you can see Assumable Mortgages. A military veteran with over 15 years of real estate experience, Michael recognized the coming affordability crisis with rising interest rates and wondered how homebuyers could more easily find hom…

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FHA 203k Loan Requirements: Empowering Home Renovators With Andrew Winnard 33:33

1+ y ago33:33

33:33

FHA 203k Loan Requirements - Introduction Andrew Winnard is a certified home inspector based in Maryland and HUD 203K consultant that takes great pride in the fact that he is able to work with home buyers to take advantage of one of the most powerful loan programs offered to the public. Home Buying Resources Navigating the world of home buying can …

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Unlocking Secrets: The 3 Questions Top Real Estate Agents Ask First Time Home Buyers, with Chastin J. Miles 33:21

2y ago33:21

33:21

Introduction Chastin J. Miles is a real estate agent who focuses on Dallas properties. He specializes in various types of real estate, like houses, condos, commercial buildings, and luxury rentals. Chastin J. Miles and his team aim to change the way people think about real estate transactions. They go above and beyond what typical agents do. Chasti…

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$75,000 Seller Concessions and the Intriguing World of Buying a Home in 2024 with Amanda Shepherd 29:37

2y ago29:37

29:37

Introduction – Amanda Shepherd Amanda Shepherd is a real estate broker in Seattle-Tacoma with Compass. She's the recipient of the Tacoma-Pierce County Association of Realtors Rookie of the Year award in 2022, and is passionate about helping first time home buyers achieve their goals. When she's not working, she's volunteering at local organizations…

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Moving Horror Stories And How To Avoid Them in 2024 with Justin Revland 36:43

2y ago36:43

36:43

Summary Justin Revland is the Marketing Manager for Hornet Moving in Charlotte, North Carolina. He enjoys representing a locally owned and operated small business that is doing big things in a quickly growing city. When not working, he stays busy finding new ways to get outdoors and spending time with his wife and 3 young children. Summary Home Buy…