{"id":4707,"date":"2022-06-17T09:19:19","date_gmt":"2022-06-17T16:19:19","guid":{"rendered":"https:\/\/moneyripples.com\/?p=4707"},"modified":"2024-05-21T15:33:16","modified_gmt":"2024-05-21T22:33:16","slug":"creative-ways-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/moneyripples.com\/money-ripples-st\/?p=4707","title":{"rendered":"Creative Ways to Improve Your Credit Score with Nathalie Noisette"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Creative Ways to Improve Your Credit Score with Nathalie Noisette | 618\" width=\"1778\" height=\"1000\" src=\"https:\/\/www.youtube.com\/embed\/oaRTA8i61V4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<iframe src=\"https:\/\/widget.spreaker.com\/player?episode_id=50239064&#038;theme=light&#038;playlist=false&#038;playlist-continuous=false&#038;chapters-image=true&#038;episode_image_position=right&#038;hide-logo=false&#038;hide-likes=false&#038;hide-comments=false&#038;hide-sharing=false&#038;hide-download=true\" width=\"100%\" height=\"200px\" frameborder=\"0\"><\/iframe>\n\n\n\n<p>Nathalie Noisette is a credit expert and a financial strategist on a mission to help shift our approach to money. She is the founder of Credit Conversion, the host of the Mental Money podcast, and the author of Converted. She is here today to enlighten us about how we should be managing credit and finances.<\/p>\n\n\n\n<p>Listen now to learn more about your credit score, how you can improve it, and what you should be doing to maintain it!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quotables<\/h3>\n\n\n\n<p>\u201cEven if you\u2019re not using your money for debt, still, we have auto-insurances and things like that that are being affected by our payment history. That\u2019s a big deal.\u201d<\/p>\n\n\n\n<p>\u201cA lot of people don\u2019t know that when you go to apply for car insurance, they actually are referencing your credit in order to make a decision or what your rates will be.\u201d<\/p>\n\n\n\n<p>\u201cMoney is important. However, money has changed so much over even the last 10-12 years.\u201d<\/p>\n\n\n\n<p>\u201cPeople need a point of reference to understand how to trust you. That\u2019s essentially what credit is, it\u2019s the relationship between the bank\u2019s risk and their ability to trust you.\u201d<\/p>\n\n\n\n<p>\u201cAll that being said, it is very important. It\u2019s a very real, tangible, necessary part of life that if we don\u2019t get in order now, it\u2019s going to inhibit you to move forward with things like being able to invest, being able to really understand how money works, being able to access everyday life luxuries, and be able to function normally in society.\u201d<\/p>\n\n\n\n<p>\u201cI realized that my problem can become profitable. Other people had the same, exact issue, and by addressing my own problem, I was able to help others.\u201d<\/p>\n\n\n\n<p>\u201cCredit card companies don\u2019t allow for users to pay for those slots on a credit card.\u201d<\/p>\n\n\n\n<p>\u201cA great AU slot essentially would have over 7 years of on-time payment history for that particular card. You\u2019re not copying their entire credit report, but just that credit account that you\u2019re being added to.\u201d<\/p>\n\n\n\n<p>\u201cEvery single thing that they do in that card will essentially reflect you.\u201d<\/p>\n\n\n\n<p>\u201cThe way they work is the company opens a CD, which is a certificate of deposit in your name for you, and every single month that you pay into this certificate of deposit, they report your on-time payment history to the credit bureaus.\u201d<\/p>\n\n\n\n<p>\u201cPayment history is the number one factor, as far as weight, that will improve or damage your credit score.\u201d<\/p>\n\n\n\n<p>\u201cThat\u2019s one resource that has definitely helped a lot of the moms in my circle and can help anyone, really if you think about it.\u201d<\/p>\n\n\n\n<p>\u201cI only have credit cards now that allow me to earn cash value, crypto value, or rewards points. I have structured my budget in a way where I use all of those cards at all times.\u201d<\/p>\n\n\n\n<p>\u201cThe point and the goal is to never pay interest. Interest is not in your interest.\u201d<\/p>\n\n\n\n<p>\u201cOnce you get your credit in order, and the book will help you do that, then you are opening yourself to so many opportunities to make money and remove yourself from debt.\u201d<\/p>\n\n\n\n<p>Links<\/p>\n\n\n\n<p>Website: Money Ripples<br>https:\/\/www.moneyripples.com<\/p>\n\n\n\n<p>Youtube Channel: Money Ripples with Chris Miles<br>https:\/\/www.youtube.com\/channel\/UCJS6bPY8sm53pkjiCSuBKMA<\/p>\n\n\n\n<p>Facebook Group: Money Ripplers<br>https:\/\/www.facebook.com\/groups\/788320245284333<\/p>\n\n\n\n<p>Podcast: Simple Passive Cashflow<br>https:\/\/simplepassivecashflow.com\/<\/p>\n\n\n\n<p>Website: Self Credit Builder<br>https:\/\/www.self.inc\/<\/p>\n\n\n\n<p>Book: Converted<br>https:\/\/www.convertedcredit.com\/<\/p>\n\n\n\n<p>Instagram: Nathalie Noisette<br>https:\/\/www.instagram.com\/iamnatnoise<\/p>\n\n\n\n<p>Website: Credit Conversion<br>https:\/\/creditconversion.org\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nathalie Noisette is a credit expert and a financial strategist on a mission to help shift our approach to money. She is the founder of Credit Conversion, the host of the Mental Money podcast, and the author of Converted. She is here today to enlighten us about how we should be managing credit and finances. <a href=\"https:\/\/moneyripples.com\/money-ripples-st\/?p=4707\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  Creative Ways to Improve Your Credit Score with Nathalie Noisette<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":4708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4707","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cashflow-expert"],"acf":[],"rttpg_featured_image_url":{"full":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"landscape":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"portraits":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"thumbnail":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618-150x150.jpeg",150,150,true],"medium":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618-300x225.jpeg",300,225,true],"large":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"tf-client-image-size":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",120,90,false],"1536x1536":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"2048x2048":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false],"bloom_image":["https:\/\/media.moneyripples.com\/wp-content\/uploads\/2022\/06\/17091745\/Creative-Ways-to-Improve-Your-Credit-Score-with-Nathalie-Noisette-618.jpeg",480,360,false]},"rttpg_author":{"display_name":"Danielle Hollembaek","author_link":"https:\/\/moneyripples.com\/money-ripples-st\/author\/daniellehollembaekgmail-com"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/moneyripples.com\/money-ripples-st\/?cat=1\" rel=\"category\">Cash Flow Expert<\/a>","rttpg_excerpt":"Nathalie Noisette is a credit expert and a financial strategist on a mission to help shift our approach to money. She is the founder of Credit Conversion, the host of the Mental Money podcast, and the author of Converted. She is here today to enlighten us about how we should be managing credit and finances.&hellip;","_links":{"self":[{"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/posts\/4707","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4707"}],"version-history":[{"count":3,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/posts\/4707\/revisions"}],"predecessor-version":[{"id":10689,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/posts\/4707\/revisions\/10689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=\/wp\/v2\/media\/4708"}],"wp:attachment":[{"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4707"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4707"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyripples.com\/money-ripples-st\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4707"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}