『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 Move Abroad

    How Your Credit Score Changes When You Move Abroad
    2026/06/08
    Lucas and Luna explore what happens to your credit score when you relocate internationally. They walk through the real-world case of a Canadian tech worker who moved to the UK: her FICO score of 782 vanished because U.S. credit reports don't cross borders. The episode covers the 'credit immigration gap,' how banks in a new country treat you as a blank slate, and strategies like the American Express Global Transfer program and keeping a U.S. credit card with a zero balance. Listeners learn why closing old accounts before moving can backfire, and how to rebuild credit from scratch abroad using secured cards or rent-reporting services. #CreditScore #MovingAbroad #InternationalRelocation #FICO #CreditImmigrationGap #GlobalTransfer #AmericanExpress #SecuredCreditCard #RentReporting #ExpatFinance #CreditHistory #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #TheCreditScorePodcast #LucasAndLuna #CreditReport Keep every episode free: buymeacoffee.com/fexingo
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    6 分
  • When Your FICO Score Ignores Your Savings Account

    When Your FICO Score Ignores Your Savings Account
    2026/06/07
    Episode 37 of The Credit Score Podcast with Fexingo explores a blind spot in credit scoring that most people don't know about: your savings, investments, and checking balances have zero impact on your FICO score. Lucas and Luna break down why the credit system is built on debt history, not assets, and what that means for people who pay with cash or keep a healthy emergency fund. They walk through the five FICO factors, explain why a high-income saver can have a lower score than someone who carries a small balance every month, and share a concrete strategy for building credit without taking on unnecessary debt. This episode uses real numbers and a clear analogy to show listeners why their bank statements don't show up in their FICO score — and what to do about it. #FICO #CreditScore #SavingsAccount #DebtHistory #CreditUtilization #PaymentHistory #CreditHistoryLength #CreditMix #NewCredit #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #CreditScoring #AssetsVsDebt #EmergencyFund #NoCreditHistory #CreditEducation Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Your Rent Payments Can Boost Your Credit Score

    How Your Rent Payments Can Boost Your Credit Score
    2026/06/07
    Episode 36 of The Credit Score Podcast with Fexingo dives into rent reporting—the growing practice of having your on-time rent payments counted toward your credit score. Lucas and Luna break down how it works, why FICO and VantageScore treat rent differently, and the real-world impact for the roughly 44 million US renter households who currently get zero credit benefit from their largest monthly expense. The episode focuses on a specific case: a renter in Austin, Texas, who saw her FICO score jump 48 points in four months after enrolling in a rent-reporting service. Lucas explains the mechanics (data furnishers, scoring model nuances, the difference between FICO 9 and older versions), while Luna challenges whether rent reporting could backfire for people who struggle with late payments. The hosts also discuss the cost of rent-reporting services, state-level legislation pushing for inclusion, and how renters can get started today. No fluff—just the numbers, the trade-offs, and a concrete action step for anyone paying rent and wanting it to count. #RentReporting #CreditScore #FICO #VantageScore #Renters #CreditBuilding #ExperianRentBureau #FICO9 #TransUnion #Equifax #CreditBureau #AustinRenters #Finance #PersonalFinance #CreditReport #FexingoBusiness #BusinessPodcast #TheCreditScorePodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
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