“Your Credit Score is Starting to Play a Larger Role in Your Financial Life” with Nathalie Noisette

“If you look at your credit report as a lender would, you will understand why you need to have good credit score.” - Nathalie Noisette

In today’s episode, we welcome Nathalie Noisette. Natalie is a credit expert and financial strategist, dedicated to providing information for individuals looking to improve their score. She is also the author of a book titled, ‘Converted: Uncover The Hidden Strategies You Need To Easily Achieve Massive Credit Score Success.’

Today Nathalie talks about the relationship between trust and credit, as well as the importance of building a positive credit score.

Listen in!

  • I came across my credit score for the first time when I was 18 years and had gone to buy a car but was denied the purchase because the credit score was just not there.
  • I went home and went into a really deep hole into the internet of what credit was, because I had not made contact with this credit thing before that experience.
  • I was able to fix my credit, and then a lot of my friends and people started asking me to help them fix theirs as well, which led to me turning it into a business.
  • It is not really just about credit, but also about understanding your needs and lifestyle, and creating a plan around that.
  • I like watching how people transform their lives and seeing that gap close.
  • Watching my daughter grow up and not have to deal with a lot of the things that I did also became a passion for me working with women especially mothers. I got to a point where I felt like this was something people could do by themselves anyway, and decided to package everything I had done in the last 10 plus years in a book.
  • The number one misunderstanding that people carry about credit is thinking that credit really has to do with money at all.
  • If you can look at your credit report as a lender would, you will understand why you need to have good credit.
  • Every single institution that you have a relationship with sees a different version of your score.
  • It makes sense that your credit score may vary depending on whether the potential lender is using the FICO or Vantage Score model.
  • The scores from Experian, TransUnion, and Equifax might vary slightly not because of the model that's being used, the data points that are being presented on the actual report are different.
  • Credit repair is not like a magic pill that you take and everything goes away, but a way to rebuild trust with institutions.

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