Joining us in the booth this week is Ella who is a Money Expert & Insurance broker. In this episode we discuss Good credit conduct vs bad credit conduct The pro’s of good credit and the con’s of bad credit Common ways people default on their credit accounts How to check your credit score for FREE How to avoid paying lenders interest Leveraging credit for your benefit & to make money Tips to stay disciplined when using credit cards Consequences of missing payments, defaults, CCJ’s How to get rid of a CCJ 3 ways to improve your credit score/report an much more! Connect with Ella on Instagram here: https://www.instagram.com/ellaensures Connect with Ella through her website here: https://ellaensures.co.uk Follow me on: Instagram - https://www.instagram.com/savvywallet Tiktok - https://www.tiktok.com/@savvywallet Check out: https://www.youtube.com/savvywallet for the video version Our partners: Coursera Learn AI, Cybersecurity, Project Management, Data Science & more with Coursera here: https://imp.i384100.net/savvywallet Ato has personally used Coursera to obtain an AI certificate. NordVPN Get 3 extra months free with a 2 year plan: https://go.nordvpn.net/aff_c?offer_id=15&aff_id=106735&url_id=902 Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you. Timestamps 00:00 - Preview 01:15 - Intro 01:51 - Meet Monet Expert & Insurance Advisor Ella 03:53 - What is credit? 06:18 - What’s the difference between your credit score and credit report? 07:41 - Good credit conduct vs bad credit conduct 09:12 - Many people get defaults this way! 11:38 - How many credit reports/scores do you have? 14:47 - This legal reason this info stays on your credit report for 6 years! 18:09 - I wouldn’t recommend getting things on bad credit..! 20:00 - Pro’s of having good credit conduct 25:41 - Applying for credit impacting your credit report ?! 30:23 - What to do when you’re declined for credit? 31:27 - How to check your credit score for FREE! 32:51 - How to make money using credit 35:51 - How to use Credit cards for your benefit! 39:00 - How to avoid giving the banks interest! 41:41 - Who shouldn’t get a credit card! 44:05 - Tips to stay disciplined when you take out credit (mortgages, car finance, loans etc) 46:19 - Consequences of missing payments on credit you’ve taken out 47:46 - How to get rid of a CCJ 51:52 - People being scared to get credit…! 53:09 - 3 ways to improve your credit score & credit conduct 54:29 - Only 38% of adults have life insurance! 35% of that 38% are Women! 59:43 - Final words Learn more about your ad choices. Visit megaphone.fm/adchoices

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“What did the council decide on item 42?” — answered with the speaker and the moment.

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