Mastering Your Money with Credit with Christina Roman of Experian

Credit, when managed the right way, can help anyone take control of their money. Leveraging credit can give you access to cash, save you money, and help you purchase things you otherwise wouldn't be able to have. That's not to say that carrying balances and accumulating debt that you can't pay back is a wise move, because it's not! However, there's a difference between credit and debt. That's why I'm so excited to talk with Christina Roman from Experian about how people can master their money with credit. If you view credit and debt as one in the same, I hope you finish this episode feeling empowered to have the system work with you, not against you!   Here's a glance at this episode: [04:59] "Credit is a financial tool. Debt is a financial problem." Christina breaks down the difference between credit and debt. [12:15] Curious why your credit score varies wherever you look at it? Christina shares why that happens and why it's normal.  [20:20] Disputing an incorrect item on your credit report is easier than you think. Learn about the ways you can initiate the dispute process. [30:13] Making small charges on your credit card and paying those charges off shows that you are responsible with credit. [38:30] Christina talks about collection accounts and how they could impact your credit score, depending on the model.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Learn more about Experian Get a copy of your free credit reports at www.annualcreditreport.com  Follow Experian on Twitter Save your spot in the upcoming How to Master Your Money and Budget Masterclass! Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

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