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Podcast title	Credit Score Lessons - Free Videos and Product Reviews
Website URL	http://videocreditscore.com/in...
Description	VideoCreditScore Video Podcast provides video lessons, product reviews and tips to help you manage your credit score
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Category	Education
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Episodes
1. Q&A: What is a Charge Card? download (video/x-m4v, 10.61Mb) Description: American Express offers both charge cards and credit cards. VISA and MasterCard brands are only on credit cards, debit cards and pre-paid cards
2. Q&A: What is a Good Score According To The Experts? download (video/x-m4v, 21.54Mb) Description: We look at quotes from all over the internet and discuss why a great score has changed over the past 5 years
3. Q&A: What is FICO '08 and How Does It Impact Me? download (video/x-m4v, 14.55Mb) Description: Banks like FICO '08 because it should lead to fewer defaults. For consumers, it should mean better scores for the occasional mishap folks and worse scores for those that are late or more credit distressed
4. Q&A: How Do I Build Credit As A Recent High School Grad? download (video/x-m4v, 13.53Mb) Description: Once you have a bank account, a secured credit card and then a personal installment loan from your bank or credit union will help establish credit
5. Q&A: Who Is TRW? download (video/x-m4v, 6.51Mb) Description: In 1996 TRW decided to spin off the credit business and it's now owned by Experian
6. Q&A: Will My Stimulus Check Impact the Credit Score? download (video/x-m4v, 7.03Mb) Description: The govt did this program to stimulate growth, but we like the idea of using this money to pay off credit card debt
7. Q&A: Do Lender Credit Reports Look Different? download (video/x-m4v, 10.63Mb) Description: Important to recognize that while not exactly the same, a FICO consumer report is providing a close guide
8. Q&A: How Can I Find a Credit Counselor I Can Trust? download (video/x-m4v, 14.08Mb) Description: A good idea to pick one that is accredited and has low fees
9. Q&A: Will a VISA Buxx Card Build Credit? download (video/x-m4v, 10.05Mb) Description: Not a credit card, but it can teach teens responsible credit habits
10. Q&A: What is a Virtual Credit Card? download (video/x-m4v, 14.43Mb) Description: While many card issuers offer these services, they are hard to find sometimes as many merchants seem to dislike them
11. Q&A: Is the word "Repair" a Dirty Word? download (video/x-m4v, 14.07Mb) Description: CROA or the Credit Reporting Organizations Act was enacted in 1996 and it states that you if you are a credit repair organization you cannot charge in advance. Result - many good companies don't call themselves repair organizations
12. Q&A: Are Payday Loans Ever a Good Idea? download (video/x-m4v, 8.91Mb) Description: If you need a payday loan, you might be near the credit breaking point, and that's when a credit counselor can help
13. Q&A: How Should Credit Be Handled When You Are 65+? download (video/x-m4v, 15.10Mb) Description: Avoid the scams, check your credit, and really consider a credit freeze from the credit bureaus
14. Q&A: What Age is the Best Age For Credit Scores? download (video/x-m4v, 8.33Mb) Description: People with over 10 years of credit history tend to have better scores so the key is to start building your credit early
15. Q&A: How Does Marriage Impact Credit? download (video/x-m4v, 9.62Mb) Description: Your credit isn't merged, but it is interdependent and you need to get joint cards and individual credit cards
16. Q&A: How Does Getting Engaged Impact Credit? download (video/x-m4v, 6.68Mb) Description: Being engaged is a time to really open up about credit and personal finance and set goals
17. Q&A: Does Credit Matter For Dating? download (video/x-m4v, 9.13Mb) Description: You can't check your date's credit score, but he or she can check it and discuss it with you
18. Q&A: Does Credit Matter For Job Hunting? download (video/x-m4v, 6.42Mb) Description: Employers can check your credit but must abide by FCRA rules. To learn more go to FTC.com
19. Q&A: Should College Students Get Credit Cards on Campus? download (video/x-m4v, 8.16Mb) Description: Like shopping in general, college consumers should shop around for the best credit card options
20. Q&A: When Should You Get Your First Credit Card? download (video/x-m4v, 11.40Mb) Description: It depends on the individual, but after you spend less than you make
21. Q&A: What is a Secured Credit Card? download (video/x-m4v, 8.16Mb) Description: A secured credit card is for people just starting to build credit and for people who are rebuilding credit
22. Q&A: What is the Universal Default Clause? download (video/x-m4v, 7.77Mb) Description: The Universal Default Clause says that bad behavior on one credit card can impact another card's APR or other attributes
23. Q&A: What is a Goodwill Letter? download (video/x-m4v, 12.14Mb) Description: A goodwill letter is asking for an act of goodwill, e.g., asking to waive a late fee
24. Q&A: Should I Dispute Online or Offline? download (video/x-m4v, 7.03Mb) Description: The bureaus probably prefer online disputes as they reduce costs for them, but the FTC recommends certified mail probably so you have a paper trail
25. Q&A: Where Can I Find A Sample Credit Dispute Letter? download (video/x-m4v, 8.32Mb) Description: Dispute letters must be tailored to your specific needs. Our site has dispute letter examples
26. Q&A: How Do I Do A Credit Report Dispute? download (video/x-m4v, 11.22Mb) Description: The key to mailing your credit dispute is getting a certified mail receipt
27. Q&A: What is a Dispute? How Does it Impact My Credit Score? download (video/x-m4v, 14.39Mb) Description: Note the two different dispute types and when to use each one.
28. Q&A: Can I Stop Credit Card Offers? download (video/x-m4v, 87.31Mb) Description: Our resource area on the website provides links and tools to remove yourself from marketing lists
29. Q&A: What's a Beacon Score? download (video/x-m4v, 11.52Mb) Description: The Credit Reporting Agencies rebrand the FICO score models to have their own slightly different names.
30. Q&A: What's So Rewarding About a Rewards Credit Card? download (video/x-m4v, 13.99Mb) Description: Rewards cards are great for big spenders who payoff balances each month, but it you carry a balance they don't usually make sense. Higher APRs can mean you fall behind further and thus your FICO score could suffer
31. Q&A: What is Direct Debit For Credit Cards? download (video/x-m4v, 11.36Mb) Description: Direct debit or auto pay will automatically pay your credit cards off each month, so you don't have to. Contact your credit card company.
32. Q&A: What is a Collection Agency and How Do They Work with Credit Card Companies? download (video/x-m4v, 10.48Mb) Description: After some time, a credit card company will turn over your debt collection to an outside agency, but you still have rights about how they can treat you.
33. Q&A: What is the Credit Score Scale? download (video/x-m4v, 10.70Mb) Description: Most widely used FICO score system range is 300-850
34. Q&A: What's the Difference Between a Closing Date and a Due Date? download (video/x-m4v, 10.39Mb) Description: Your due date is when your card is due, but your closing date pinpoints your reported balances and both impact your FICO credit score
35. Q&A: What's the Difference Between a FICO Credit Score and Non-FICO Score? download (video/x-m4v, 9.82Mb) Description: FICO Score Range is 300-850. This tip shows how FICO compares to other scoring systems
36. Q&A: What's NOT Considered in a FICO Credit Score Calculation? download (video/x-m4v, 13.28Mb) Description: Race, income, gender, marital status and age have no impact but watch to see surprising other non-factors
37. Q&A: Does Checking My Credit Score Often Hurt My Score? download (video/x-m4v, 11.42Mb) Description: If you check via a lender, it's an inquiry but if you check via the bureaus, myFICO, or annualcreditreport.com, it's not going to hurt your score
38. Q&A: What's Considered a Good Credit Score? download (video/x-m4v, 11.48Mb) Description: A 720 FICO score used to be the best score cutoff, but now lenders are looking for a 760 and above for the best rates
39. Q&A: Does a Debit Card have Checkout Charges that a Credit Card Doesn't? download (video/x-m4v, 11.21Mb) Description: See how to avoid checkout fees for debit cards
40. Q&A: Joint Credit Cards vs. Authorized User Credit Cards - What's the Difference? download (video/x-m4v, 12.22Mb) Description: Learn how the authorized user card has different liability and credit reporting impacts
41. Q&A: Does using Credit Cards More Often Impact my Credit Score? download (video/x-m4v, 9.01Mb) Description: Learn what credit card usage impacts your score and what usage does not impact your score
42. AnnualCreditReport.com - Review #4 download (video/x-m4v, 15.30Mb) Description: There are many "free" sites out there - over 200 - but this is the government sanctioned site where you can get 1 free report from each of the 3 credit bureaus every year. But, be warned, scores cost extra! This review walks through the user experience
43. TrueCredit's 3-Bureau Credit Monitoring - Review #3 download (video/x-m4v, 20.18Mb) Description: TrueCredit’s 3-Bureau monitoring includes unlimited 3-in-1 Credit Reports and Scores for $14.95 per month has a really nice user interface with its clean layout and its main advantage is that it features true tri-merged reports. This is useful as it allows you to see your 3 credit reports side-by-side. The product also delivers alerts in several areas and allows you to see trending in credit scores, balances, inquiries and more
44. myFICO Suze Orman FICO Kit - Review #2 download (video/x-m4v, 54.31Mb) Description: Suze Orman’s FICO Kit was developed to provide more assistance to a large part of the consumer market which needs more coaching. Essentially, it’s the same product base as the FICO Complete in that it features 3 FICO Scores and 3 credit reports from the 3 bureaus. But, it takes this base product and expands the flexibility to that you can pull 3 reports from any of the 3 bureaus at any time. So instead of getting all 3 scores at once, you can wait and pull one now and one in a few months. Plus, the product can be shared across family members. Suze wouldn’t be Suze if she didn’t offer advice, and she’s done a great job of organizing the product around the action planner. This includes dispute assistance, the debt eliminator, a mortgage payment watcher and the InfoVault. The Dispute tool is neat as it has a simple process to generate a letter. The debt eliminator is a great tool to help you negotiate with credit card companies for better rates and develop an action plan
45. Fraud Alerts and Credit Freezes - Lesson #9 download (video/x-m4v, 31.73Mb) Description: An alert places a statement on your credit report so that If a fraudster attempts to obtain credit in your name, the creditor, in checking your credit, will encounter a statement that says something to this effect: I may be a victim of fraud. Call me at my phone number 312-555-7890 before extending credit.; By calling you, the creditor ensures more security. A security freeze means that your credit file cannot be shared with potential creditors or insurance companies; It can help prevent identity theft since most businesses will not open credit accounts without checking a consumer's credit history first. Once your credit account is frozen, credit cannot be granted until you unfreeze it
46. ID Theft Treatment, What To Do When You Are a Victim - Lesson #8 download (video/x-m4v, 28.56Mb) Description: If you become a victim of Identity theft there are numerous steps you should follow to ensure the integrity of your credit file and credit score. First, file a 90-Day Fraud Alert. Next, you should create a Identity Theft Report. You should dispute the fraudulent charges against existing accounts and/or new accounts and include the ID Theft report. Send follow up letters to the credit bureaus detailing status with credit/financial institution companies (aka banks). While the bureaus should get an update anyway, it's a good idea to follow up on your own. Consider a 7-year fraud alert or a credit freeze on your account.
47. ID Theft Prevention and Basics - Lesson #7 download (video/x-m4v, 42.35Mb) Description: Identity Theft vs. Credit Card Theft: This lesson first explains the difference between identity theft and credit card theft. Many people don’t know that credit card liability is restricted to $50. Although you must dispute the charges in 60 days to qualify
48. Higher Credit Scores, “Repair” is a Dirty Word - Lesson #6 download (video/x-m4v, 55.34Mb) Description: Getting the most out of your credit scores if your credit scores are low is manageable. There are no quick fixes. Time and diligence are key. There are many examples of people who increase their scores by 100+ points in less than a year
49. Marriage, Divorce and Credit Scores - Lesson #5 download (video/x-m4v, 28.97Mb) Description: This lesson addresses some myths about credit score merging and how to best set up credit cards once you are married to manage your credit scores. You now have 6 credit scores between the two of you and this lesson addresses how lenders see you as a couple.
50. Biggest Credit Score Myths - Lesson #4 download (video/x-m4v, 38.06Mb) Description: This lesson addresses some myths about credit score such as it seems like closing down credit card accounts should help. This is incorrect. It comes back to the credit utilization.
51. How To Get Your Credit Scores - Lesson #3 download (video/x-m4v, 23.31Mb) Description: This lesson points out a few different options for getting your credit scores online and discusses which products are best for each type of consumer
52. Credit Score Factors Pie - Lesson #2 download (video/x-m4v, 28.64Mb) Description: There are five pie wedges - Amounts owed, payment history, length of history, mix of credit and credit inquiries. We discuss each in detail.
53. myFICO Score Watch with FICO Email Alerts - Review #1 download (video/x-m4v, 14.60Mb) Description: Score Watch is the set-it-and-forget-it credit score product. This product is a subscription service which unlike many monitoring services pushes FICO credit score updates to you in the form of email and SMS cell text messages.
54. Credit Score Definition 101 - Lesson #1 download (video/x-m4v, 21.99Mb) Description: Credit scores are used by most financial institutions and banks as one important piece in the loan or credit approval process. This credit score isn’t one score, there are 3 credit scores. Why? Because there are 3 companies called credit bureaus that collect data on your credit history and create credit reports.