Quick question: is your credit score secretly holding you back? If you’ve ever felt stuck, rejected, or overwhelmed by your credit, you’re not alone—and trust me, it’s not your fault. In this episode, we’re pulling back the curtain on all things credit to help you take back control.

Monique White joins me from Self.inc, and together we’re breaking down the biggest credit myths that are messing with your score, plus the actionable steps you need to start improving it today. We’re talking about the truth behind credit utilization (hint: it’s 30% of your score), how to handle collections without fear, and why checking your credit report regularly could save you major headaches.

But it’s not just about the numbers—it’s about understanding the emotional side of credit and how to turn your mindset from overwhelmed to empowered.

Here are some of the key takeaways:

Leaving a balance on your credit card? That could actually hurt your score.
Secured credit cards can be a game-changer if you’re rebuilding.
Always, always check your credit report for errors.
Negotiating with collection agencies isn’t as scary as it sounds.
And, the truth about credit repair vs. credit building.

Improving your credit is a journey, but you don’t have to do it alone. This episode is packed with tips, insights, and real talk to help you take the first step.

LINKS

Self's credit tips

CONNECT WITH SHANNAH

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Courses + Workshops + Money Coaching Information

SPONSORS

Thanks to Jenny Kayne for sponsoring the show. Get 15% off by going to http://www.jennykayne.com/etm15.

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Thanks to Mint Mobile for sponsoring the show. To get your new 3-month premium wireless plan for just 15 bucks a month, go to http://www.mintmobile.com/ETM .

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Thanks to NerdWallet for sponsoring the show. Don’t wait to make smart financial decisions. Compare and find smarter credit cards, savings accounts, and more today at www.nerdwallet.com.

Thanks to Monarch for sponsoring the show. After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.

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Building Credit in 2025: A Step-by-Step Guide to Boost Your Score with Monique White 44:32 Share

Everyone's Talkin' Money: Personal Finance, Financial Freedom, Mental Health, Healthy Wealth for Women

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Building Credit in 2025: A Step-by-Step Guide to Boost Your Score with Monique White