Choir Ninja, With Ryan Guth

As choir directors, we train hard to be able to help our singers and students. But whether you studied Music Ed or Sacred Music, it’s unlikely that financial literacy was part of your program. Today Ryan outlines how to read your credit report, and gives some simple tips for strengthening your credit score. Listen [Subscribe on iTunes] [Subscribe on Android] Highlight to Tweet:  “Nobody’s going to spend crazy on the gas, because then it starts overflowing and catches fire.” Show Notes: Why should you care about your credit score? Other important people will care about your credit score: mortgages, insurance companies, auto loans, furniture stores, your future employers Your piece of mind It helps you set quantifiable goals Identity fraud: who else is using your social security number? Catch errors on your report Try Creditkarma.com, a free web service Transunion Equifax Dave Ramsey’s podcast What’s important to look for: Credit card use: keep it under 30% Payment history: 100% Derogatory remarks