In today’s episode of Beyond the Paycheck, Paula Christine sits down with credit expert Yordan Marin from Plant Money Habits LLC to break down how credit really works—and what you can do to raise your score, even if you're currently in debt. From increasing credit limits the smart way to helping your teen build credit before 18, you’ll hear practical, easy-to-apply tips that make a real difference.

Yordan Marin is the founder of Plant Money Habits, where he helps people improve their credit, eliminate debt, and build strong financial habits. Originally a financial coach, Yordan shifted his focus when clients repeatedly asked for help with credit repair. Today, he combines credit education with practical tools to empower others to take control of their finances. He’s also passionate about teaching kids and teens how to develop healthy money habits early on.

Get in touch with Yordan Marin:
Website: https://plantmoneyhabits.com/
LinkedIn: https://www.linkedin.com/in/yordan-marin-b70342170/

Episode highlights:

(0:00) Intro

(1:04) Yordan’s journey into credit coaching

(2:08) Why more credit can actually help

(5:32) Debt consolidation with personal loans

(7:19) Why credit cards are so easy to overuse

(11:41) Collections, disputes, and credit reports

(18:11) Steps to improve a low credit score

(20:39) How teens can start building credit

(25:38) Outro

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Reach Paula at paula@paulachristine.com or through her website, paulachristine.com.