In this episode, DJ Olojo meets with Josh from The Credit Brothers at Fincon 2024 to discuss powerful strategies for rebuilding credit after a foreclosure or financial hardship. Josh breaks down key steps to start fresh, from disputing negative items with credit bureaus to the best methods for rebuilding credit history with secured credit cards and credit-building loans. Whether you’re looking to improve bad credit or recover from foreclosure, this episode provides essential guidance to help you get back on track and improve your financial future. Tune in for practical insights and learn about resources to master your credit score.

Key Takeaways:

• Evaluate Current Financial Health: Before focusing on credit repair, prioritize stabilizing income and managing debt.
• Utilize Secured Cards & Credit-Building Loans: These tools can help you establish positive payment history even with bad credit.
• Dispute Negative Credit Report Items: Use the FCRA and other laws to challenge outdated or incorrect entries.
• Understand Credit Report Impact Timelines: Late payments affect scores most severely for three years but stay on record up to seven.
• Be Patient & Consistent: Building back to high credit can take time, but steady, positive behavior pays off.

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