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What’s the difference between a credit report and a credit score? Can COVID-19 have an impact on my score? How often should I be checking my credit? You've got credit scores and we have answers! On this week’s episode of Real Money, Real Experts. Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson dig deep into all things credit. With guest Rod Griffin, Senior Director of Consumer Education and Advocacy for Experian, they talk through what every consumer should know about credit and how to help counsel clients through issues.
Show Notes: 00:52 Rod Introduction 3:58 History of Experian and the Big Three (Credit Agencies) 7:50 Difference between US Credit Industry and the Credit Industry Abroad 10:38 Differences Between a Credit Score and a Credit Report 12:24 Good Credit Score and its Impact on your Financial Wellness 15:05 Common Myths about Credit 20:00 Checking your Credit Report 22:49 Using Experian Boost with your Clients 25:39 Identity Theft 29:43 Filing a Dispute Show Notes:
Credit Repair Kit for Dummies-5th edition : https://www.wiley.com/en-us/Credit+Repair+Kit+For+Dummies%2C+5th+Edition-p-9781119771067 Rod is donating any proceeds he receives to nonprofits that promote financial education and financial inclusion History of Experian: https://www.experianplc.com/media/1323/8151-exp-experian-history-book_abridged_final.pdf Free credit report through Experian: https://www.experian.com/consumer-products/free-credit-report.html Annual Credit Report.com: Get 1 free credit report each year from all 3 credit reporting agencies (weekly during the pandemic): https://www.annualcreditreport.com/index.action Experian Boost: https://www.experian.com/boost File Fraud Report: https://www.experian.com/fraud/center.html Filing a dispute via Experian: https://www.experian.com/disputes/main.html' Connect with Experian: Twitter or on Instagram Connect with Rod: Twitter or on LinkedIn Ways to connect with Experian via credit chats and education: www.experian.com/crediteducation #CreditChat (ex.pn/creditchat) #CreditChatLive (ex.pn/creditchatlive) AFCPE Membership: https://www.afcpe.org/membership/ AFCPE Education and Training: https://www.afcpe.org/education-and-training/
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