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How to Raise Your Credit Scores Instantly, for Free – Experian Is Changing the Credit Game for Millions

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I’ve been a financial educator for over a decade and while many people inquire about better ways to save and budget, understanding credit is still the number one topic I teach. Credit can be a gift or a curse depending on how you use it. It can help you on your journey to financial freedom or it can keep you in a cycle of debt repayment. Understanding how your credit works is the first piece of the puzzle, but what happens when you know and understand the credit game but still can’t seem to get ahead?

Some believe credit is not necessary but the truth is that credit can sometimes be the deciding factor to your quality of life. Those who have high credit scores usually get the best rates on loans and/or have to put the least money down on high ticket purchases. On the flip side those who have a low credit score can find themselves paying higher interest rates, or worse be disqualified for basic life necessities like a job or shelter.

This is why I got excited when I heard about the Experian Boost program, that is helping millions of people across the country get the assistance they may need to take their life to the next level by getting better access to credit.

Check out the video below where I discuss the program in great detail and give you tips on how to properly manage your credit.  Simply put Experian Boost works by giving consumers credit for the utility and telecom bills they are already paying. This means your water, gas, electric, cable, and cell phone bills can all count to give you an instant boost on your credit scores.

This is an absolute game changer because for years many community based organizations have fought for better access to credit and  they asked for this exact feature for those who have opted to not use credit cards hence having a thin credit file. This not only works for those who have little credit activity but for everyone who would like an extra jump to their credit file.

The great news is that only positive payments will be factored into your credit file so boosting your score can only help you. In the rare instances were someone’s credit score goes down after boosting it, they can simply disconnect it from the Boost program and their score will go right back to where it was.

If you’re interested in seeing how Boost can help your credit score visit www.experian.com/ashcash

Ash Exantus aka Ash Cash is one of the nation’s top personal finance experts. Dubbed as the Hip-Hop Financial Motivator, he uses a culturally responsive approach in teaching financial literacy. He is also a speaker, and bestselling author of six books. Ash has established himself as a thought leader and trusted voice with Corporate America, Colleges, Churches, and Community based organizations. Ash is best known for helping people maximize their full potentials by giving them the inspiration, tools, and resources needed to live their best lives. For more info on Ash please visit www.IamAshCash.com

Personal Finances

Charlamagne tha God says Joe Biden May Spark Voter Depression and He’s Right!

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The Breakfast Club radio host Charlamagne tha God on Sunday warned that Democrats could face a “voter depression” on Election Day because people still aren’t enthused by presumptive Democratic nominee Joe Biden.

Biden came under heavy fire on Friday after he defended his record during a conference call interview with Charlamagne, at one point telling the black radio host that if he has a problem “figuring out whether you’re for me or Trump, then you ain’t black.” The former vice president later apologized for the remark, saying that “no one should have to vote for any party based on their race or religion or background.”

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Joe Biden is taking on President Trump over the economy.

The former vice president’s campaign believes he has an opening with voters on an issue that has been a strength of Trump’s given the economic harm caused by the coronavirus pandemic, which has locked down businesses and led to skyrocketing unemployment.

They plan to argue that Trump handled the pandemic poorly, is mishandling the economy, and that their candidate is the better leader to shepherd the country to recovery.

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Personal Finances

Trump Says he’s Taking Drug that Could Cure Coronavirus + Is Covid-19 About Population Control?

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President Donald Trump claimed Monday he is taking daily doses of hydroxychloroquine, a drug he’s long supported as a potential coronavirus cure even as medical experts and the US Food and Drug Administration question its efficacy and warn of potentially harmful side effects.

Speaking at a meeting of restaurant executives, Trump said he began taking the drug after consulting the White House doctor.

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Personal Finances

Stimulus Checks will Now Be Distributed on Debit Cards! Is this Safe?

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The Treasury Department announced that it will start issuing some stimulus checks and debit cards.

Until now, payments had been either directly deposited in an individual’s bank account or sent as a paper check.

About 4 million payments will be sent on a debit card. It could mean that those people receive their money faster than if they had to wait for a check.

The Visa debit card can be activated immediately and can be used to make purchases, to get cash at an ATM or to transfer funds into a bank account without being charged a fee

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