『The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health』のカバーアート

The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health

The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health

著者： Fexingo
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Lucas and Luna take the mystery out of credit scores, focusing on the FICO algorithm, credit report mechanics, and what borrower health really means in a tightening economy. Each episode drills into a single dimension of credit — how payment history weighting shifts after a late payment, why credit utilization thresholds vary by lender, or how the removal of medical collections from credit reports changes risk profiles for millions. Lucas brings the data: actual FICO score distributions by age bracket, state-by-state average credit limits, and the precise impact of a hard inquiry on a thin file. Luna pushes back with real-world scenarios — a freelancer with irregular income, a recent graduate with no installment loans, a small-business owner mixing personal and business debt. Together they test conventional wisdom against the numbers, debunking myths (no, checking your own score doesn't hurt it) and mapping out strategic moves for listeners who want to build, repair, or optimize their credit. No product pitches, no hacks — just the logic behind the score. The listener walks away knowing exactly what moves their number and why. #FICO #CreditScore #CreditReport #BorrowerHealth #CreditUtilization #PaymentHistory #CreditMonitoring #DebtManagement #CreditRepair #FairCreditReporting #VantageScore #CreditInquiry #CreditLimit #CreditHistory #Finance #FexingoBusiness #BusinessPodcast #CreditEducation Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. 経済学
エピソード
  • How Your Credit Score Changes When You Pay Off a Loan

    How Your Credit Score Changes When You Pay Off a Loan
    2026/06/06
    In this episode, Lucas and Luna explore what happens to your FICO score the moment you make that final payment on a car loan, student loan, or personal installment loan. They break down the mechanics of credit mix and account age, and why many borrowers see an unexpected temporary drop after closing a loan. Using real data from FICO's own scoring models, they explain how a closed account in good standing continues to benefit your credit history for up to ten years. The hosts also discuss strategies for timing a loan payoff to minimize negative impact, including keeping a small balance on other revolving accounts. A concrete segment covers the difference between installment and revolving utilization, and why paying off a loan entirely can sometimes reduce your credit mix score. Lucas and Luna also touch on the emotional versus financial reasons to pay off debt early, and how to balance both. This episode is essential for anyone planning to make a large final payment and wondering why their score might dip the following month. #CreditScore #FICO #LoanPayoff #InstallmentLoan #CreditMix #AccountAge #CreditUtilization #DebtFree #PersonalFinance #CarLoan #StudentLoan #CreditHistory #FicoScore #FexingoBusiness #BusinessPodcast #Finance #CreditReport #BorrowerHealth Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Credit Card Fraud Affects Your Credit Score

    How Credit Card Fraud Affects Your Credit Score
    2026/06/06
    In this episode of The Credit Score Podcast, Lucas and Luna explore what happens to your credit score when you become a victim of credit card fraud. Using the 2023 Capital One data breach as a concrete example, they walk through the immediate steps you should take, how the Fair Credit Billing Act protects you from liability, and why your score might still take a temporary hit even when you do everything right. They explain the difference between fraudulent charges and unauthorized inquiries, how long an active fraud alert stays on your file, and why freezing your credit is often smarter than just placing a fraud alert. Lucas shares the specific form you need to file with the Federal Trade Commission, and Luna pushes back on whether closing all your cards after fraud is actually a bad idea. If you've ever worried about identity theft and your credit score, this episode gives you a clear, actionable playbook. #CreditCardFraud #CreditScore #FICO #IdentityTheft #CapitalOne #DataBreach #FraudAlert #CreditFreeze #FairCreditBillingAct #FTC #CreditReport #ConsumerProtection #ZeroLiability #Finance #PersonalFinance #CreditEducation #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • What Your Credit Score Means After You Die

    What Your Credit Score Means After You Die
    2026/06/05
    Lucas and Luna explore a morbid but important question: what happens to your credit score after you die? They explain why a deceased person's credit file is typically closed but how errors, identity theft, and joint accounts can create headaches for surviving family members. Lucas cites the FTC's 2024 data showing over 800,000 deceased-consumer fraud reports. They discuss the Credit Reporting Death Notification System (CRDNS), how executors should notify the three bureaus, and why freezing a deceased person's credit is pointless. Luna shares a story from a listener whose mother's credit was used to open a store card six months after her death. The episode ends with a practical checklist for listeners who might one day handle a loved one's credit affairs. #CreditScore #DeathAndCredit #CreditBureaus #IdentityTheft #DeceasedConsumerFraud #FTC #CRDNS #ExecutorDuties #JointAccounts #CreditFreeze #Probate #Finance #FexingoBusiness #BusinessPodcast #PersonalFinance #CreditReport #FICO #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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    6 分
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