Your Credit Today

People always ask - I don't really understand why credit is so important. Why do the banks and financial institutions need to know about my history?There are so many reasons! This episode is one of several where Angela is discussing your credit and the reasons consistency and a good ongoing relationship with your credit history and credit score is so important.This episode covers -Payment history and how it impacts your credit score.The different types of bankruptcy and their long term implications.How to build credit history and how to maintain your accounts for the logevity that creditors are looking for.Late payments and how they can impact your credit score and your credit optionsAnd over all - navigating the credit landscape and how to maintain a strong credit scoreMake sure to tune in for the next episodes where The Real Credit Queen Angela shares more about what you need to know about your credit score. Hosted on Acast. See acast.com/privacy for more information.

On Your Credit Today, The Real Credit Queen Angela Setters Bessard, is interviewing Matthew Hoffman, the founder of Trusted Advisor - the best platform for advisors with high profile entertainment, music and pro sports clients.Trusted advisor is a platform that unites prominent business managers, artist managers, entertainment attorneys, wealth managers, family offices and other trusted professionals through an array of educational initiatives, exclusive meetups, and global summits to support athletes, entertainers executives and other personalities.These clients, and their advisors, have unique needs from a technology, investment, cyber-security and risk perspective.This episode covers- Matthew's entrepreneurial background and lessons from earlier ventures- The importance of financial literacy and investing early- The value of networking events and the success of "Trusted Advisor"- Building a platform to connect professionals in sports, entertainment, and music industries.Matthew's venture expereince and adv

This week the Real Credit Queen. Angela Setters Bessard is joined by Paul Viollis - Global Business Leader, Accomplished Author and TV & Radio Personality.For over four decades, Paul Michael Viollis has dedicated his career to the protection of our country, as well as, the shareholder value of the businesses he has navigated to the pinnacle of their respective vertical markets.On his speaking tours, his hands on expertise in subject areas of behavioral analysis, leadership development, corporate espionage, extortion/stalking, cyber security, family protection, and workplace violence allows him to develop unforeseeable insights that will have you at the edge of your seat and captivate your audience.From corporate executives and high profile individuals to private families and sales teams, each attendee will leave with a renewed sense of focus and re-energized with information that can be easily and expeditiously implemented.In this episode we discuss -- Paul's career from the New York County district attor

In this weeks episode we are discussing a subject that touches millions annually but is rarely discussed with the seriousness it deserves – identity theft.It’s a topic that’s not only prevalent but also evolving, and it impacts personal finance and credit health in disasterous ways.I’m thrilled to have the backbone of our operation at Conquer Credit Management, our Operations and Client Experience Manager, Samantha Headlee, joining us to share her knowledge and insight.We're sharing our firsthand experiences and expert experience so we can equip you to protect your hard-earned credit.00:51 The World of Identity Theft04:51 Monitoring Your Credit09:29 Real-Life Stories of Identity Theft and Lessons Learned16:20 Protecting Yourself: Credit Locks, Freezes, and Fraud Alerts19:46 The Importance of Including Your Phone Number on Fraud Alerts21:01 Why You Should Avoid Making Statements on Your Credit Report22:17 Identifying Red Flags for Possible Fraud25:30 Understanding the Difference Between Soft and Hard Inquiries

This week on 'Your Credit Today', the Real Credit Queen, Angela Setters Bessard is with guest AnGèle Cade, the CEO of Executive On the Go and a vision architect and business strategist. AnGèle helps passionate entrepreneurs honor their purpose and passion, while increasing their profits and validity all through the power of bulletproof business strategy and structure.Now an entrepreneur for over 20 years, she recalls how going into business for herself was birthed out of failure. Her former employer ghosted his business and put everything she had worked for at risk. Her previous contacts started to reach out to her for support - she didn't realize that the culmination of experience and wisdom had gotten her to a place where the clients still wanted her to serve them.This episode covers-- The importance of separating personal and business finances to protect assets- Understanding the distinctions between being an entrepreneur and an intrapreneur- The impact of financial decisions on company valuation and

This week join Angela as she has a compelling conversation with Robbin Itkin, a Partner at Sklar Kirsh LLP - a business strategist and creative problem solver, financial restructuring specialist in all industries inside and outside of bankruptcy court and a certified mediator. They discuss the importance of understanding and managing one's finances, emphasizing the use of assets, the process of financial restructuring, mediation, and the concept of financial infidelity.Robbin shares insights on her journey to becoming a lawyer, the significance of credibility, and maintaining relationships in both personal and professional contexts. They also both recognized the importance of open communication with creditors, learning and seeking advice for financial fitness, and ensuring the integrity and precision in legal advice.The episode ends with Robbin offering a critical credit tip and sharing how listeners can reach her for further guidance. This conversation is educational and will inspire you to be informed, proa

Becoming an authorized user or actually allowing someone to be an authorized user on your credit card can really help in a pinch. Listen and learn the quick tips that you need to know so that you can make the right decision to either add someone to your credit card or be added to someone's card. You need to know the facts so that you do not make a big credit score mistake! Hosted on Acast. See acast.com/privacy for more information.

In this episode The Real Credit Queen, Anglea talks about unleashing habits that will help you be a better person overall as it pertains to your money and how that flows in your life. As we go into the holidays, it's really important to have a plan so that we don't get in debt. Too many times people that don't plan for the holidays get in super.debt and it's all because they wanna have these lavish gifts that they're giving to their kids or they're giving to their family, and although I completely understand, giving is from the heart and sometimes people get super excited about giving and I think it's a beautiful thing. We have to be very careful that we are not getting into debt, wanting to please.What You Will Hear:Turning up the frequency of love and gratitudeHoliday spending and debtPlanning and budgetingPreparing ahead of time and advice on how to preparePlanning to savePlanning for the futureMental healthEmergency fundsQuotes:“You're never too wealthy to use coupons.”“When you get in the habit of making

Angela sits down with Jacob Hipensteel to discuss the credit system, errors in reporting and how to resolve issues. Jacob is a consumer attorney licensed in Arizona. He's a partner and the director of litigation at McCarthy Law PC a national law firm that focuses on fighting.For the little guy, McCarthy Law fights for justice by suing banks, debt creditors, and collectors and credit reporting agencies for violations of consumer protection laws.What You Will Hear:What inspired Jacob to be a lawyerWhat a consumer attorney doesCommon credit report errors and resolution issuesCustomer service.  Credit report agencies customer vs consumerIdentity theftWhat attracted Jacob to consumer lawEarly financial literacy.  The envelope systemBest advice ever received.  Growth mindsetBecoming more financially fit.  Understanding budgeting and credit as toolsShocking and concerning facts about credit disputes and scoresAdvice for our youthQuotes:‘The whole system is set up in a way that they're not able to

Special guest Tisha Janigian is a single mother of two teenage boys and the president and founder of nonprofit She is Hope LA. The mission is to educate and empower single mothers starting over in the workplace and to provide affordable transitional housing and childcare. The She Is Hope Realty Boutique just opened at the end of October in Encino and all proceeds go back to the nonprofit. Go to Tisha and her team because it goes for a fantastic cause.Notes:Single mothers a hand up instead of a handoutsheishopela.orgdetermined to make a difference and fix the welfare systemMy father told me to get into real estate to take my life to the next level.Quotes:"When my ex and I split I had no credit, no money, and no assets to my name so it was really hard to start over""I realized our system is broken and there is a gap over poverty""I finally got a break with a job for a few hours a week, just over minimum wage, and because of that my food stamp benefits went down to almost nothing.""We educate our moms with exp

Last show we talked about the big picture of how to get organized in a way that helps you keep the right mindset about spending and using credit cards. This week let’s dive deep into that conversation and unpack the why behind our decisions with money and debt. I get questions all the time from people on how to get points to travel for free and the answer is you have to spend money! We live in a society of social media that makes things look easy, the age of desire from what we see can make us take a path unintended that can lead to disaster. It's important to create good habits and keep your mind on your money and credit!What You Will Hear:Carrying cashProtecting your futureThe dangers of money appsPaying attention, being curious and cautiousSocial media influence, researching and fact checkingCredit cards and point systems Get educatedLeveraging your systemTime SharesQuotes:“We live in a digital economy that is ever growing with new ways to pay and spend.”“Talk to me like I’m two.”“With new levels come

Angela guides you through the steps, tools, systems and implementation of a money management plan.  .What You Will Hear:Credit CardsMaking a plan step by step processSimplifying your systemsApps, online and easy access spendingReal money conversations with your kidsTools needed to maintain good creditCredit cards and spending limitsTaking control and preparing for the futureQuotes:“If you’re not managing your spending it’s really easy to overspend and not know that you’re doing it.”“Sit down and have money conversations with your kids.”Mentioned:AngelaBessard.comAngelas@conquercredit.comI AM Music Group Hosted on Acast. See acast.com/privacy for more information.

Owen Beiny (@thepointspartner), better known as The Points Partner is a former CEO that has spent the last 20 years traveling around the world for free by using credit card points, air miles, upgrades and benefits. Owen joins Angela to talk about maximizing credit card benefits and what are the best credit cards to have.Best advice received Value vs. moneyFinancial literacy and lack thereofOwnes financial educationThe evolution of credit cardsThe importance of knowing the benefits of credit cardsInsurance Back SecurityAmerican ExpressPassive incomeTop 5 Credit Cards for each individualAmerican Express Rose Gold cardQuotes:“don't ever expect anything from anyone, unless you've done something for them first. Giving is absolutely the most important thing you can do.”“Having money won't make you happy. Not having money will make you unhappy”.“Money itself doesn't have the value.”“That is the best attitude to have is to always have your hands open, prepared to give.”“Being a millionaire, won't make you happy,

Angela chats with bada-ass Marlo Nicole about her wit grit and steadfast hunger.Marlo is a wine enthusiast, cannabis expert hospitality, founder, all around financial genius. When we speak about women and money, it's not just some clickety word real. For many years, women have been evolving in spaces one would never think of them to enter. And Marlo has done just that. She is a bad-ass we'll talk all about her wit grit and steadfast hunger.What You Will Hear:What inspired Marlo take on the world of entrepreneurshipMarlo’s love of helping others CannabisThe power of wordsLearning about credit and its importance at an early ageEntrepreneur vs IntrapreneurMarlo’s motivationBest advice: Using other people’s money (OPM)The importance of financial literacy and educationAdvice for parentsQuotes:“For anybody in the world of being an entrepreneur, no becomes an opportunity for you to find the yes.”“Words are like seeds and, you know, when we burst them out of our mouth they go into the earth, they germinate and t

Angela invites guest Ralph Bessard to join the conversation on the importance of having a credit plan. Hosted on Acast. See acast.com/privacy for more information.

In this episode Angela talks about the importance of creating a credit plan.  Listen in to learn the do’s and don’t’s of  creating your credit plan.What You Will Hear:Overview of credit plan.Credit cards.The impact of interest.Credit stacking.Consumer credit vs. business credit.Thinking outside of the box.Starting a plan of action.Quotes:“People only think about what’s in front of them.”“If you buy and hold property, you will absolutely have a return.”“What I want to do is prepare you to have a credit plan so that you can be prosperous in the future.”Mentioned:Angelas@conquercredit.com Hosted on Acast. See acast.com/privacy for more information.

When God gives you a gift you run with it like the wind and Rodney Barnes has truly tapped the sun when we talk about creative writing and producing.  He writes funny, serious, fantasy, and comics for all ages.  He is a super giver, a dad and entrepreneur, funny as heck, super connected and one of the kindest humans.  His class, kindness and never quit attitude are admirable.  He is sharp, a game-changer in the screenwriters world and the true meaning of a conqueror and friend.  Rodney is an American screenwriter and producer.  He has written and produced the Boondocks, My Wife and Kids, Everybody Hates Chris, Those Who Can, Marvel’s Runways, American Gods, Wu-Tang and American Saga and is currently an executive producer and writer on HBO’s Untitled Los Angels Lakers Drama.  Rodney has earned top honors for his work from Peabody Awards, American Film Institute, Writers Guild of America, BET Comedy Awards and NAACP Image Awards.What You Will Hear:Rodney’s  journey in to

Angela welcomes title expert Kelly Corona. Hosted on Acast. See acast.com/privacy for more information.

In this episode Angela explains everything you need to know about handling your cable bills when moving and how they can affect your credit.  What You Will Hear:Reporting public utilities on your credit report.Instructions on how to handle moving. Returning equipment.Old equipment and upgraded equipment.Owning multi unit real estate.The ending bill.Collection companies.Mid-west companies.Quotes:“Nobody actually buys their cable equipment.”“In all situations you need to care about yourself and you need to care about your business.”“The collection companies that actually collect for all of these cable companies are very, very  difficult to negotiate with.  A lot of these companies are not willing to delete this information.”Mentioned:Angelas@conquercredit.com Hosted on Acast. See acast.com/privacy for more information.

Troy Carter has managed the careers of some of the world's icons all the while being the best dad, husband leader and friend to so many.  Opening his home and heart for great causes to help heal our nation and of course, his big passion, changing the way digital music expands.  His class, experience and true grit are admirable. Troy is quick, sharp, a game changer and the true meaning of a conqueror and friend. Troy is the founder and CEO of Q&A, a technology and media company focused on powering the business of music via distribution, services and data analytics.  Formerly Troy was founder and CEO of Atom Factory where he rose to prominence nurturing the careers of global superstars including Lady Gaga and John Legend.  He most recently served at Spotify as its Global Head of Creator Services overseeing the company's growth strategy for artists and record labels.  In 2017 Troy was also named Entertainment Advisor to the Prince estate.  His interest in the intersection of tec