Increasing your Credit Score
episode
DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing
19 min
5 speakers
3 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
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Hey, this is Allie, and thanks for listening to the show. Give us a five-star review where you listen and share this episode with someone who might need to hear it. Now, enjoy the show.
Welcome back, ladies and gentlemen, to another edition of DIY Money.
DIY Money. We're shaking a Howard. Well, I'm getting settled into my new apartment. I'm becoming a morning person, as you know. Because you've noticed, I'm sure, how peppy I am in the morning. Have you thought about that before? Ain't nobody got time for that.
Like how I come in. Do you notice my silence?
Like how I come in, like, ready to go. You know how I'm, like, always so excited.
Allie Howard. is the least morning person of all morning people of all time. Basically can't talk to you till 10. That's true. But now you're waking up at the crack of dawn.
In other words, 7.30 of the morning. Listen, that's a big jump for me. That's crazy talk. I normally am like a how close can we cut it? I can get ready in 12 minutes. It's going to be okay kind of person. So having a whole hour and 15 minutes before I leave my house. Wow. You can do so much. Who'd have thunk?
That's the early time?
That's so early.
The sun is getting up at the same time as I am. Daniel gets up at 4.30. Quint gets up about the same.
That's just not, like, the sun's not even up. So what are we doing?
I get up at about 5.30.
Okay, no. Don't make me the bad guy for this.
You are the bad guy.
5.30 is insane. Why does the sun get to sleep longer than I do? That's stupid. Who's doing that? Like, really, Emily?
But, like, here's the thing about you, Allie, is you're awake at 7.30, but you're finally awake at about 10.30.
Well, sure, yeah. Okay. No, that's true.
That's why if you get up at 5.30, you're awake at 7.30.
Yeah, but I don't want to be. Okay. I don't want to be awake at 730, and I definitely don't want to be awake at 530.
Fair enough.
That's not right.
That's crazy talk.
And why is this? I'm just going to get on a high horse, because you know what? Why not?
I don't think you have a horse to get on on this one. Why is this the norm?
Everyone is like, you have to be a morning person. I get up and run 12 miles before the sun is up. I'm like, that's on you.
When you say every person, you mean Quint. Quint. Okay. Okay.
Well, and other, I feel like the adult thing to do is to be a morning person. Like once you're out of college, everyone's like, okay, get up before the sun and gallivant around your yard. I don't know what you're supposed to do.
I don't get it. I think you just roasted yourself. What? How so?
I just don't get it. Okay. There's nothing wrong with not being a morning person, but I'm working on it.
You are a late night person. And I'm a 730-er. You're up late.
I'm in like 11. That's not late.
That's late.
All right.
Fair enough.
I don't want to rant about this anymore.
Nope. Okay, let's move on. Morning person, that's all. Let's go to our sponsors, Jewel Financial, sponsor of this episode and all episodes, and our other lovely sponsors. All right, some other housekeeping odds and ends. We are needing questions. I mean, we have some really great questions in the queue. We're about to do a series coming up, which is going to be a lot of fun. But we need more questions in the queue. So send those questions in to podcast at diymoney.org. That's podcast at diymoney.org if it's an audio question. That's key. Audio question. And it is about a minute or less. And we use it on the show. You'll get a $25 Amazon gift card for sending it in. So please do that. We have a really good question today from Willie.
Willie, what do you got?
Greetings, this is Willie from New York. I would like to try to improve my credit score for when I'm ready to buy a house in the next five years. It's currently at $725. I fully pay my three credit card statements every month and keep my credit utilization under 7% and have no other debt. How much impact does credit limit have on one's credit score? What is the highest credit limit available and how often should someone try to increase the limit with the card company? And are there any downsides to having a high credit limit and very low utilization?
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