Your Credit Today

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 practical tips on paying bills on time and using credit responsibly. This episode is filled with actionable advice to set your kids up for a successful financial future. Don't miss her expert insights!Timestamp Summary1:00 Teaching Teens Financial Literacy and Credit Management4:00 Bank Accounts and Credit Cards7:00 Teaching Financial Literacy to Prepare Kids for the Real World9:00 Building Credit Through Authorized User Status and Responsible Practices12:00 Empowering Teens with Credit Responsibility15:00 Financial Literacy with Credit Cards18:00 Debt and Credit Card Misconceptions19:00 Benefits of Co-Signing for Loans22:00 Responsibility24:00 Teaching Financial Literacy to Future GenerationsThank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 things like how your credit score affects car loan interest rates, why you might need gap insurance, and the sneaky fees that can come with car servicing and insurance.Angela uses real-life client stories and examples to drive home the need for solid financial planning. From explaining why the 70/30 debt ratio matters to warning about potential pitfalls like insurance lapses and lease return fees, she’s got practical tips and actionable advice. Angela’s mission? Simple: to guide you in making choices that will keep your credit and financial future safe.1:00 Essential Tips for Leasing or Purchasing a Car3:00 Budgeting and Credit Score Tips for Car Purchases8:00 The Importance of Gap Insurance When Financing a Car16:00 Essential Steps for Returning a Leased Car19:00 The Importance of Monitoring Insurance Payments and Bank Statements22:00 Essential Steps for Young Drivers After an Accident23:00 Car Lease Extension Troubles During COVID26:00 Budgeting and Pitfalls in Leasing or Purchasing a CarThank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 highlights how they create tailored strategies for individual clients based on their specific needs and credit histories. They also discuss the distinction between their company and typical credit repair services, focusing on credit education and management to empower clients for long-term success. Holistically the team is committed to achieve the best possible outcomes for their clients.If you're seeking credit advice and management tips, don't miss out on this insightful discussion.00:00 Client experiences drive referrals; no advertising needed.05:04 Focus on relationships, not just customer service.06:44 Always available to help with credit questions.12:24 Empowering clients through credit education14:34 Committing fully to each client, debt management process.16:46 Customized credit management tailored to individual needs19:56 Persist despite repeated setbacks to achieve success.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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. They share their passionate commitment to empowering people through credit management.Conquer Credit Management provides you with with done-for-you credit service, strategy & expert coaching for sustainable long-lasting financial success. The team's enthusiasm to educate, support, and empower individuals in their credit management journey is a testament to their commitment.When reaching out to Conquer Credit Management, individuals can expect a dedicated and empathetic approach, supported by a wealth of knowledge and a culture of service.As their dedication and expertise shine through, it becomes clear that anyone seeking assistance with credit management will find a committed ally in their journey towards financial empowerment and success.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 her brand. They owned the exclusive right to her business name and she couldn’t use it anymore.  She had to rebrand everything in 30 days… it was a nightmare!Nicole became obsessed with trademarks: she didn’t want anyone else to lose their brand. She learned everything about them and realized she loved working with women to st art and grow their businesses. She sold the skincare brand and started her own law firm.  What you'll learn in this episode:The nitty-gritty of getting a trademark – it's a whole world of rules and regulations, trust us!The scary implications of not trademarking your business – think legal and financial trouble, yikes!How having a trademark can make your brand look like a total boss and keep copycats at bay.The lowdown on enforcing your trademark rights – including the drama of cease and desist letters!The real deal on how trademarks can boost your business value and even be a money-making asset.make sure to check out Nicole's company at sproutlaw.com and check out their celebrity trademark updates on Instagram at Sprout Law (https://www.instagram.com/sproutlaw/)Wishing you all the success and trademark wins!Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 sort things out.When dealing with collection agencies, it's important to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you ever need to dispute a debt or negotiate a settlement, make sure to get everything in writing.By staying informed, being proactive, and seeking professional advice when you need it, you've got this. With careful navigation and a plan, you'll be well on your way clearing your credit of collections.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 corner, you might just secure that loan with some extra horsepower for negotiating a killer deal on your dream wheels.By tuning into the different types of scores, understanding what brings up your score, you'll be on track for smoother rides towards better loan terms and financial empowerment.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.00:00 Credit scores vary by agency and region.05:25 Banks report to different credit agencies, monitor.08:37 Credit scores vary by reporting agency and use.13:04 Check credit score, maintain good credit ratio.16:34 Use credit card for regular monthly expenses.21:39 Credit union recommended for easier auto loans.24:01 FICO algorithm revolutionized credit evaluation in 1956.29:09 Creducation aims to simplify credit systems.

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 unaware of her husband's financial dealings which leading to complications with a lien on their property.This episode explains the differences between various home loans, such as equity loans and HELOCs, and highlights the necessity of understanding the terms and obligations tied to these financial instruments.This tough situation really highlights the need for an emergency plan to navigate financial uncertainties smoothly, and the value of having knowledgeable guides and consultants in financial matters.It is so important to be prepared and to protect your assets like your home!01:21 Upcoming Guest01:54 Understanding Liens on Your Home02:23 Client Case Study: Financial Challenges After Loss04:28 The Importance of Financial Planning07:42 Types of Home Loans and Liens11:06 Navigating Second Mortgages and Foreclosures19:12 Selling Your Property and Settling LiensThank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.

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 importance of planning and budget management when using credit cards to avoid debt. This episode covers key strategies for minimizing negative impacts on credit scores and outlines the steps to effectively use 0% balance transfer offers to manage debt and improve financial health.00:00 Introduction and Host Welcome00:49 Understanding Balance Transfers01:15 Planning and Budgeting with Credit Cards03:55 The Importance of Credit Card Agreements04:49 Introducing Creducation05:28 Impact of Balance Transfers on Credit13:26 Positive Impacts of Balance Transfers16:08 Tips for Minimizing Negative Impacts19:06 Monitoring and Managing Credit**Practical Tips for Effective Balance Transfers**- Develop a clear plan for repaying the balance within the 0% interest period.- Regularly monitor your credit utilization and ensure your auto-pay settings are functioning correctly.- Leverage your improved credit score for favorable financial opportunities.**Your Credit Score: A Valuable Asset**Bear in mind that your credit score is not merely a numerical value; it is a critical asset influencing your financial opportunities. Prudent credit management can unlock substantial benefits and opportunities.Thank you for listening to "Your Credit Today." If you have not yet subscribed, please do so and share this valuable information with your friends and family. For personalized assistance, feel free to email Angela at Angelas@conquercredit.com or online at angelabessard.com.If you require a speaker to provide expert Creducation to your organization, do not hesitate to reach out. My goal is to help you master your credit, enabling you to take proactive steps towards a secure financial future.