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
  • 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
  • How Credit Inquiries Affect Your FICO Score

    How Credit Inquiries Affect Your FICO Score
    2026/06/05
    In this episode of The Credit Score Podcast, Lucas and Luna explore the real impact of hard and soft credit inquiries on your FICO score. They break down the difference between shopping for a mortgage and opening multiple credit cards in a short period, using real-world examples like a borrower who applied for six store cards in one week. The hosts explain how the credit scoring models treat rate shopping for auto loans versus personal loans, and why checking your own credit report doesn't hurt your score. They also discuss the FICO 'deduplication' window and how long an inquiry stays on your report. By the end, you'll know exactly how many credit applications are too many and how to plan your borrowing strategically. Tune in for a clear, practical guide to managing credit inquiries without damaging your score. #CreditInquiries #FICOScore #HardInquiry #SoftInquiry #CreditReport #CreditScore #MortgageShopping #AutoLoan #CreditCards #Borrowing #Finance #PersonalFinance #CreditTips #FexingoBusiness #BusinessPodcast #CreditScorePodcast #LucasAndLuna #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • What Your Credit Utilization Ratio Really Means for Your Score

    What Your Credit Utilization Ratio Really Means for Your Score
    2026/06/04
    In this episode of The Credit Score Podcast, Lucas and Luna go beyond the simple 30 percent rule to explore how credit utilization ratio actually impacts your FICO score. They break down the difference between per-card and overall utilization, explain why a low balance can sometimes hurt more than a high one, and share a surprising case from a listener who saw a 25-point drop after paying off a card entirely. With concrete examples and data from the Consumer Financial Protection Bureau, this episode gives you a practical framework for managing your revolving credit — including why timing your payments matters more than you think. #CreditUtilizationRatio #FICO #CreditScore #RevolvingCredit #CreditCards #PersonalFinance #DebtManagement #CreditReport #ConsumerFinance #CFPB #CreditTips #FinancialLiteracy #CreditEducation #FexingoBusiness #BusinessPodcast #FinancePodcast #CreditScorePodcast #MoneyManagement Keep every episode free: buymeacoffee.com/fexingo
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    14 分