When it comes to financial management, there needs to be, no there has to be a shift in your mindset. When it comes to managing your finances you should be asking your self does this make Financial Sense for my family? Your money decisions shou

Credit on the Move: The ups and downs of your credit score

Apr 28th, 2020 21m 47s

Your credit score is always on the move. Each month as things on your credit report changes so will your score, but some of these changes can happen without you doing anything. This week we discuss some events that can cause your score to go up

The Walls are Closing in on Me! Covid19 Check up

Apr 21st, 2020 24m 3s

As much as I love talking money and credit with my squad, I have to sometimes take a moment and check-in with you all. So How are you all doing.. Ladies how ya'll feel? Fellas, ya'll alright? In all of my Erica fierceness lol. This week we take

Our Journey to homeownership: And So it Begins (full episode)

Apr 15th, 2020 25m 43s

The last take of this episode was missing the episode lol hahaha. I think I was super excited to be sharing the start of this process with you all that I totally missed a step. Well here we are again and this time you guys get to hear what we a

Let's Talk: Collections

Apr 7th, 2020 28m 54s

The Conversation Continues... This week we are talking about everything collections. We dive into how your accounts go to collections, what account can be reported, How long the collection will stay on your report and how to handle collections.

Let's Talk: Late Payments

Mar 25th, 2020 16m 3s

Oh, do we have something to talk about this week! Late Payments are the topic of discussion on this episode and we dive into how they affect your credit score, why payment history is important and how to avoid them. Wait I forgot to mention tha

Surround your self with people who build you up

Mar 11th, 2020 37m 55s

This week I sit down with my husband and discuss his money mindset and how it has changed over the years. We talk about our recent visit to the car dealership and the thoughts we weighed while there. Listen in as we discuss how having someone i

Bonus

Allow Me to Introduce Myself!!

Feb 26th, 2020 22m 40s

Credit Talks is almost 5 months old and after over 15 shows and 150 plays, I just realized you all don't know who Jumaria Parker is. So allow me to introduce myself. This week I talk about me, my husband, my family, and my why. Take a listen an

Version 1, Version 2, Version 5, Version 8!!

Feb 19th, 2020 36m 35s

Still wondering why your credit score from different places is sometimes drastically different? There is a reason for that.. actually there us a version for that too. That’s because there are different score versions available. This week we di

FICO VS VantageScore

Feb 11th, 2020 24m 27s

Have you ever pulled your credit score from different places and wondered why the score is sometimes drastically different? That’s because there are different score models available. This week we discuss the two big hitters in the credit report

Retake: Look back at the 5 key factors of your credit score

Feb 4th, 2020 20m 35s

The credit conversation is in motion. This episode we revise the 5 key factors of your credit score. No better wat to start off the credit conversation than by focusing on how your score is calculated. We discuss how to access your credit repo

It's the final inning and you are up to bat!

Jan 29th, 2020 5m 47s

January is coming to an end and our money is getting on track. We are wrapping up out budgeting segment this week and I wanted to encourage you on how important this step in the process is. Take a listen and look for your resources. Visit mycr

Budgeting Challenges

Jan 18th, 2020 22m 40s

We are 17 days into the new year and our money is getting on track. Budgeting is still the focus so let's dive right on in. This week we discuss why budgeting challenges, why budgets fail and myths about budgeting. Visit mycredittalks.com to s

Hey y’all, Happy New Year check in

Jan 13th, 2020 6m 57s

Just wanted to check in with everyone and let you all know what’s been going on with me and why the break. We are still here and ready to kick 2020 off with a bang.Visit mycredittalks.com to subscribe to the podcast join the mailing list and

You gotta go Deep...Deep...Deep...

Dec 27th, 2019 17m 3s

Goodbye Christmas and hello New Year. 2020 is less than 6 days away and it's time to get our money in check. This week we talk about taking a deep dive into our current spending habits and ways to track our spending before kicking off our budge

Budget on another level: 5 Tips on How

Dec 14th, 2019 9m 56s

My Bank account didn't take a hit this holiday season... says no one. With christmas around the corner and black Friday deals slinging left and right, bank account balances are at an all time low. Budget on another level gives you 5 tips on ho

Owning your Keys: The Finale

Dec 5th, 2019 18m 50s

Our journey into each of the 5 key factors that affect your credit score comes to an end. Discussing FICO Score knowledge with a focus on everything Credit inquiries. Be empowered on what inquiries are, the difference between hard and soft inq

Owning Your Keys Pt 4

Nov 21st, 2019 29m 26s

Our journey continues into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on everything Credit Mix. Be empowered on why I started this series, why credit is important to us all, the impor

Owning Your Keys Pt 3

Nov 13th, 2019 26m 53s

We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Length of Credit. Be empowered on why the length of credit is important, how it affects your score, and tips

Owning Your Keys Pt 2

Nov 6th, 2019 27m 47s

We continue our journey into each of the 5 key factors that affect your credit score. Discussing FICO Score knowledge with a focus on Amounts owed and Credit utilization Ratio (CRU). Be empowered on what Utilization is, why is it important, how

Owning Your Keys Pt 1

Oct 30th, 2019 23m 3s

We take a deeper dive into each of the 5 key factors that effect your credit score. Discussing FICO Score knowledge with a focus on Payment history. Be empowered on what payment is, why is it important, how payment history affects your score, h

5 Key Factors to Your Credit Score

Oct 23rd, 2019 18m 9s

Today we discuss how to access your credit report, what information is included in your report, how your credit score is calculated, and the credit analysis.Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit y

Are you in the number?

Oct 5th, 2019 12m 8s

In this episode we discuss preparing to purchase a home, obtaining a realtor and how your credit report effects your potential to purchase. Visit mycredittalks.com to subscribe to the podcast join the mailing list and submit your questions abo

Mental Reality Check

Sep 14th, 2019 12m 44s

This episode I share my mental reality check where I talk about my recent diagnoses of severe depression. I relate how your finances can affect your mental health and how important it is to take care of yourself mentally as your mental stabilit

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