What does your credit card say about you? More than you might think! You could have an excellent credit score, pay your bills on time, and still struggle to get approved for a loan. So what are lenders actually looking at? Dr. April Murdaugh welcomes Michelle Way, credit coach, for an eye-opening conversation about why your creditworthiness goes beyond your credit score, what your credit history reveals, and how seemingly small decisions can affect your financial opportunities.

Here's something you can check today: Your credit card has a payment due date AND a statement closing date, and they matter for different reasons! One helps you avoid late payments, while the other generally determines which balance gets reported to the credit bureaus. And that's just one of the surprising things Michelle shares about how credit really works. You may be making decisions you think are helping your credit when they're actually working against you.

Key Takeaways:

• Why a great credit score doesn't always mean you're creditworthy.
• The difference between your credit card's due date and reporting date, and why both matter.
• What your credit history reveals and how to avoid mistakes that could hurt your financial opportunities.

Episode Resources:

10/22 Join the Credit Coach's Webinar: Woman to Woman Financial

www.HudHomeStore.com

www.FactorTrust.com

In this podcast Dr. April discusses strategies and tips for eliminating debt as a goal for the new year. This episode covers topics such honoring the commitment you make to yourself, know your current financial position to include income and necessary expenses, and strategies to begin the debt-freedom journey. If you would like the Spending Plan worksheet referenced in the podcast email for a complimentary copy at Info@womantowomanfinancial.com

To schedule a Synergy Session if you desire help and accountability email: Info@womantowomanfinancial.com or schedule the appointment by clicking: https://calendly.com/w2wfinancial/60min

Dr. April talks with Dr. Pamela Harvey-Cox a successful business owner in Direct Sales. Direct sales have long provided women with opportunities for financial independence and entrepreneurship, offering flexibility alongside other responsibilities like family and caregiving.

Dr. Harvey-Cox shares how she grew from a SC State employee and single mother to a fulltime ultra successful business owner in the Direct Sales industry. Shares the common challenges that prevent women from succeeding in the industry and how she works with those willing to help them build businesses that allow them to leave a legacy for their families and communities.

To learn more about Dr. Harvey-Cox visit her website: https://www.pameladcox.com/dr-pamela-d