Demetria Gallegos
speaker
238 appearances
5 recordings
1 series
first heard Feb 2018
last heard Aug 2023
Demetria Gallegos’s voice in public audio — every appearance, attributed to the second.
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Appearances
I think all of these folks reminded me that I should continue to pay attention to what it is that I enjoy about my work life and to try to figure out whether there's a way to adapt into that.
For example, one person is an investigative attorney who specializes in finding missing people.
He loves puzzles, he loves cryptograms, but he says he is paid to do this in real life now in a way that is incredibly fulfilling to him.
We have others who have figured out that it's the intellectual exercise of learning itself that they love about their work lives, and they don't necessarily feel that they could accomplish all of that without a structured workplace program.
My idea is that while I imagine I might be very successful at being retired in terms of generally being able to entertain myself,
I want to keep learning, and I want to be reminding myself that my brain is still capable of absorbing new information at any age.
There are no circumstances under which checking your own score is going to hurt your score.
Now, if a lender is checking and they're planning to extend credit to you, like you're trying for an auto loan, for example, or a new credit card, that is a hard inquiry and it will cost you a few points.
There are gray areas which I think contribute to the confusion.
For example, some rental applications are a hard inquiry.
Others are not.
You can open up a bank account, for example, without costing yourself on your credit score.
But if you applied for overdraft protection, that's when they may make a hard inquiry, and that would affect your credit score.
But again, to find out your own score, it will never cost you points, and there are several ways to do that for free.
There are a couple of mechanisms for doing that.
Anyone can see their FICO score, their FICO score 8, which is a very popular model, through the Discover credit scorecard.
You don't have to be a member or own a Discover card in order to sign up and be able to track your FICO score there.
You can also track your Vantage score 3.0 through popular personal finance applications like Credit Karma or Mint.
A lot of people decide not to comparison shop for things like mortgages and car loans because they're aware that every credit inquiry from a potential lender is going to discount points from their score.
But what's actually going to happen is that the credit scoring models are going to recognize that multiple inquiries by lenders within a short period of time are indicative of you shopping around or rate shopping.
Showing 81–100 of 238 · page 5 of 12
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