TheCreditGuyTV Podcast - podcast cover

TheCreditGuyTV Podcast

This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know what to do. Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor’s degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions. On September 19, 1997, he started AIR Credit Midwest out of his car. Over the next two years, Air Credit Midwest grew to a multi-million dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau’s in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit industry, he has personally reviewed thousands of credit reports and credit scores.
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Episodes

How "The Cares Act" Changed Credit Reporting FOREVER?

The CARES Act Section 4021 of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law on March 27, 2020, amended the Fair Credit Reporting Act The “covered period” is either period beginning on January 1, 2020, and ending on the later of (i) 120 days after the enactment of the CARES Act or (ii) 120 days after the termination of the national emergency declared on March 13, 2020. Under the new subsection, [I]f a furnisher makes an accommodation with respect to 1 or more pay...

Feb 14, 20223 min

The Problem with Experian Boost® no one is talking about #credit #creditscoring

Experian Boost® Score Today we’re going to take an in-depth look at Experian Boost score, One of the problems that FICO® has had in the past with other versions of a new FICO® score was trying to score people with a thin repository file. FICO® was trying to create a reliable scoring model that used fewer data inputs. The Experian Boost® score is the first-time additional data has been used from a financial intuition to supplement the repository file. They’re connecting bank payment history into ...

Apr 03, 20194 minSeason 145Ep. 251

Did We Change the Credit Industry?

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website is protected under copy write...

May 28, 20182 minSeason 1Ep. 65535

Credit Score Dropped for No Reason?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

May 10, 20183 minSeason 1Ep. 789

4 ways to get your offer accepted

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

May 03, 20183 minSeason 1Ep. 645

Trended Credit Data Fannie Mae Update

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website is protected under copy write...

Apr 26, 20184 minSeason 1Ep. 754

April 16th 2018 TransUnion Stops Reporting Tax Liens

Transform Your Credit https://www.amazon.com/Transform-Your-Credit-Financial-Freedom-ebook/dp/B078VV42ZD TU Announcement https://portal.mybig.net/documents/Public%20Records_TransUnion%20Customer%20Announcement_3%2019%20183.pdf Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at h...

Apr 17, 20183 minSeason 1Ep. 354

Your Credit Score could cost you 5K a year in extra insurance costs

Your Credit Score could cost you 5K a year in extra insurance costs Nerd wallet story http://www.thedrive.com/news/19819/states-where-poor-credit-has-the-biggest-impact-on-car-insurance-rates Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyT...

Apr 12, 20183 minSeason 1Ep. 145

Transform your Credit

https://www.amazon.com/Transform-Your-Credit-Financial-Freedom-ebook/dp/B078VV42ZD

Apr 02, 201834 secSeason 1Ep. 1

How to handle collections with FICO®5 vs FICO®9

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Mar 29, 20185 minSeason 1Ep. 152

2 Safe ways to improve your credit score

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website is protected under copy write...

Mar 08, 20185 minSeason 3Ep. 578

Transform Your Credit Interview

To Watch the full interview click here https://youtu.be/VbfEW_lEd8E Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditgu...

Mar 01, 20184 minSeason 2Ep. 15

Why have Public Records Stopped Reporting on Credit Reports?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Feb 22, 20184 minSeason 101Ep. 12

How to keep an Ex Spouse from Killing your Credit Score

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Feb 08, 20183 minSeason 2Ep. 120

Here are two ways that the Equifax information could be used to hack consumer’s identity.

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Feb 02, 20185 minSeason 15Ep. 456

3 Ways to Handle Collections

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website is protected under copy write...

Jan 25, 20184 minSeason 5Ep. 546

What generation has the best credit score?

The USA Today story implied that young people may not understand how credit works but it has more to do with what generation has the longest credit history. Younger generations have lower credit scores because they don’t have the opportunity to have a 20 or 30-year-old credit account. If a consumer has never been late and they have a credit card that is two years old vs someone that has a 30-year-old credit card; the person who has the 30-year-old credit card is going to have a higher score. If ...

Jan 18, 20184 minSeason 8Ep. 1

How to Rescue Credit Scores after Bankruptcy.

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Nov 09, 20173 minSeason 10Ep. 1

Dave Ramsey Wrong on Credit Reports and Credit Scores

Subscribe Check out the 6 steps to better credit here For more free information on credit scoring check out my blog Join me on LinkedIn Follow me on Twitter Like the Facebook Page Follow my Pintrest boards All Material included in the presentation, class, video or website is protected under copy write law and the property of Hammer it Out LLC. No portion may be used without express written consent. This class, video, the website contains ideas and opinions of its author. It is designed to provid...

Oct 27, 20174 minSeason 9Ep. 1

The #1 way to protect yourself from the Equifax Hack

To get the links to the repositories go to www.thecredithuy.tv/ freeze Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecredi...

Sep 14, 20175 min

A great job explaining how we have 1.5 trillion in student loan debt

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Sep 07, 20177 min

Should you pay off an installment loan to help your credit score?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Aug 24, 20173 min

How Many Credit Cards Should You Have?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Aug 10, 20174 minSeason 1Ep. 350

Will Fannie Mae Stop using Credit Scores?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Aug 01, 20175 min

How long will it take an installment account to improve My Credit score?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Jul 27, 20172 min

How to handle collections on credit reports

https://thecreditguy.tv/handle-collections-credit-reports/ ‎ Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All M...

Jul 13, 20174 min

What is the Most Important Date on a Collection Account?

Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy All Material included in the presentation, class, video or website...

Jul 06, 20172 min

Did your credit score improve July 1st? Here is why.

https://thecreditguy.tv/national-consumer-assistance-plan-2017/ The National Consumer Assistance Plan Subscribe http://www.youtube.com/subscription_center?add_user=sullythecreditguy For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditguytv Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board ht...

Jul 01, 20175 min

What is a Michigan 203K loan with John Leach

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy...

Jun 15, 20177 min

Kevin Elsenheimer interview with Executive Director of MSHDA

Subscribe http://www.youtube.com/subscription_c... For more free information on credit and credit scoring check out my blog at http://www.thecreditguy.tv Join me on LinkedIn at http://www.linkedin.com/in/thecreditg... Follow me on Twitter at http://www.twitter.com/TheCreditGuyTV Like the Facebook Page http://www.facebook.com/TheCreditGuy Follow my Pinterest board http://www.pinterest.com/thecreditguy...

Jun 08, 20176 min
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