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Podcast 165: Credit Scoring and Management

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Today on the Consumerism Commentary Podcast, Jay talks with John Ulzheimer about credit scores and managing your credit history.

They also discuss the deceptive marketing of pre-paid debit cards, how a FICO score is built and the unfortunate history of credit repair firms.

Consumerism Commentary Podcast
Credit Scoring and Management: S07E09 / 165


Table of contents

[00:00] Introduction from Jay Frosting
[00:34] Interview with John Ulzheimer
[00:55] Credit scores are not used by employers; part of your credit report can be
[03:09] Different situations call for different details on you
[04:19] Data repositories vs. reporting agencies vs. brokers
[06:37] The history and bad reputation of credit repair agencies
[09:24] Today’s credit repair environment is much better
[11:04] When and why to hire a credit repair firm
[12:55] Creditworthiness can be affected by where you buy things
[14:58] The buckets and the scorecards that make up a FICO score
[17:17] Can your credit be affected by where you live?
[20:28] Too many consumers learn the hard way about credit management
[22:04] The problems with prepaid debit cards
[27:26] End

We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at podcast at this domain name.

Theme music by Mindcube.

Updated December 19, 2017 and originally published June 24, 2012.

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About the author

Luke Landes is the founder of Consumerism Commentary. He has been blogging and writing for the internet since 1995 and has been building online communities since 1991. Find out more about Luke Landes and follow him on Twitter. View all articles by .

{ 1 comment… read it below or add one }

avatar 1 wylerassociate

this was a good educational podcast about credit scores, I enjoyed it.

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