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Building Credit

Hosted by: Laura Hawley Special guest: Chad Jones

May 1, 2019

Host
Laura Hawley – CFP®, President at Allen & Company

Co-Host
Chad Jones – MBA, CFP®, Financial Advisor at Allen & Company

Guest
Erjola Balliu – Child and Adult Endocrinologist at Lakeland Regional Health
Gwen Rogerson – Certified Diabetes Educator at Lakeland Regional Health

In this episode, we discuss the A, B, C’s of Credit in order to help breakdown and get a better understanding and the purpose of things such as credit bureaus, how they determine your credit score and what happens in the cases of credit card fraud.

In our Medical moment, we will visit with special guest Erjola Balliu, Child and Adult Endocrinologist and Gwen Rogerson, Certified Diabetes Educator at Lakeland Regional Health to discuss on the topic of Diabetes.

In this episode we cover:

  • Economic Forcast (0:58)
  • Apple: Buybacks way on a drive toward a trillion-dollar value (1:38)
  • Buybacks: What it mean and how do companies fund it.(2:08)
  • A, B, C’s of Credit: how to use it and how debt could be either good or bad. (3:52)
  • Credit bureau: What they are, what they do and what you need to know about the industry. (4:54)
  • Federal Trade Commission (FTC): What they do and what you should know about them. (8:02)
  • Payment history, current debt and other factors that determine your Credit Score. (8:38)
  • Types of Credit Scores: What are FICO Scores used for? (11:36)
  • How long do Credit Bureaus keep records of late payments and bankruptcy? (12:55)
  • Military personnel/Veterans and Credit Scores: (14:26)
  • A, B, C’s of Credit: how to keep yourself safe from Credit card fraud. (16:34)
  • Credit card fraud vs Identity theft: What they are, the difference between them and how to protect yourself against them. (21:57)
  • Medical Moment with Erjola Balliu, Child and Adult Endocrinologist and Gwen Rogerson, Certified Diabetes Educator at Lakeland Regional Health. (27:25)

Links From the Show:

Tweetable Topics:

Buybacks way on a drive toward a trillion-dollar value. – Chad Jones, CFP®, Financial Advisor at Allen & Company

Depending on any day of the week, buybacks could be a good thing or a bad thing. – Laura Hawley, CFP®, President at Allen & Company

The average credit score in the US is currently at an all-time high, which is 695. – Laura Hawley, CFP®, President at Allen & Company

Connect with:

Laura Hawley – CFP®, President at Allen & Company
Allen & Company – Laura Hawley

Chad Jones – MBA, CFP®, Financial Advisor at Allen & Company
Allen & Company – Chad Jones
LinkedIn – Chad Jones

Erjola Balliu – Attorney at Bressler, Amery & Ross, P.C.
Lakeland Regional Health; Erjola Balliu

Gwen Rogerson – Certified Diabetes Educator at
LinkedIn – Gwen Rogerson

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