Transcript from Episode 2 with Cassandra Jackson. Is your credit bad? Curious how credit is formulated and how your credit score is actually affected? This is the episode for you! Join me as I discuss credit scores with credit expert Cassandra Jackson!

Interview

Keith McKeever  0:03 

Hey, everybody! Welcome back to the Battle Buddy Podcast with Keith McKeever. I am excited to have a credit expert within credit, if you are dealing with credit issues or if you just want to brush up on some knowledge, this is the episode that you're going to want to see. So hang on.

INTRODUCTION AUDIO

Welcome to the Battle Buddy Podcast with Keith McKeever. 

Keith McKeever

All right. Like I said, we've got credit. We've got Cassandra Jackson here. She's a credit expert. And we're just going to dive right into some credit questions. Well, before we dive right into credit questions, Cassandra wants to tell us a little bit about herself.

Cassandra Jackson  0:41 

I’m Cassandra. I'm from Alabama. Actually, how I got into credit was a top 10 year in the Army. I didn't take that finance and budgeting course. They made me take up my first mistake seriously. Because, when you're 19, you're not thinking about your credit, not thinking about your budget, you're not worried about that.You need to have that 60 years worth of your pay up for emergencies. I wasn't even thinking about it. I was busy. I'm young, I'm new in the army, I'm on my own. And well, that fun hit me really hard when it came to transitions out of the military. And I didn't have a job lined up. I didn't have any savings lined up. And I was a single mother with three kids. So all that, no phone call lined up. Yes, my credit played a big issue. And what could I do? They’ll tell you, Oh, you're entitled to the VA home loan, but you don't have to meet the requirements, but my name did not. So after realizing that, I went through a year of trying to fix it on my own, and it was not only stressful but unsuccessful . And about a year ago, I stumbled upon the company that I'm with now. And that's where I've begun to actually repair my credit in the correct way, build my credit directly in the right way, teach my kids about building credit and the importance of credit, and helping hundreds of other people along the way.

Keith McKeever  2:33 

Awesome, I think that's really important. I'd have to agree. I was in the Air Force, and when I joined when I was 21. But I don't think you can really tell anybody who's like 25 or less, you can't tell them any financial or budgeting or anything, you can't tell them none of that because they're bulletproof. You know, they know what they're doing. They're living their life, they're growing up, they're not gonna listen, like, regardless what branch you sit in you, you sit through those briefings, and you just kind of just like the computer based training right? in one year and out the other, not really caring. And those things can just really, you know, bite your rear in because I think your story is not, you know, it's not unique, and there's a lot of people that get out and they don't have that financial education that they need to succeed. And all of a sudden, it slaps them in the face, and they've got to, you know, they've got to deal with it. So unfortunately, I think, you know, this podcast can be maybe a wake up call for some of those people who are like, you know, at that point of, of searching, they need to help, and hopefully we can get them, you know, on the right path, because there's a lot of being a realtor, you know, there's a lot of misinformation about credit out there, the differences, you know, what, how it's formulated and things like that. So, you know, that's good on you to grab the bull by the horns and just, you know, tackle the problem instead of just letting it you know, not deal with it, wow, my credit sucks, I'll just give up on my dream woman and home. You know, I'll keep going out and going get those cheap cars at 20% interest and you know, you just don't get anywhere like that you're just kind of treading water. So we'll just kind of jump right into the credit basics here. So the first question I have for you, you know, the credit reporting agencies, you know, three of them out there. Can you elaborate on what they are? And, you know, do they differ? How do they differ?

Cassandra Jackson  4:39 

Well, the three that are used the most is the TransUnion, Equifax. And honestly, although they still do the same thing, which is report items to your credit report, and whether or not that information is correct, it's up to you. You told your identity they’re using your social and having a good time. And now you have a fair credit. It  could be something as simple and easy as you’re senior, your son is a junior, and both of you live in the same house. And so either your information gives up on your son’s credit or your sponsor information is upon your credit, and again, they don't get paid to check for accuracy, don’t  just get paid to put it there. So you as the consumer, you have to check and make sure that your credit report is right. And then you have the ones that have to pay because there’s a high intensity debt. Whose credit gonna get sold say,  I have well, my credit is perfect. I don't have to check it, actually you're the main ones that have to behind whose credit gonna get sold first the one with 850 credit or the one with 560. 

Keith McKeever  5:58 

Absolutely, yeah, that's why you have the right to get your credit checked once a year, right, yeah, there's some agencies that are out there and probably some websites that people should avoid. But, you know, it is a good idea to keep an eye on that, because you hit on some good things, identity theft, obviously, fixing bad credit is one thing, fixing that, from what I understand is absolute nightmare, that nobody wants to go through. And if you just simply check it, once good eye on and what's going on. Hopefully, you can give me not gonna eliminate the risk, but you can, you know, hopefully mitigate the risk or, catch it in the early stages. But also say you mentioned like juniors, seniors, you know, people with same name, I've seen that I've seen that become an issue where somebody thinks it's no problem, I can buy a house, it's, you know, and then they go look at their credit, they're like, I thought my credit was like 800. And all of a sudden, it's like 650, and they start digging into it. And, you know, they're following certain things and things got crossed up. And, you know, so if  somebody out there is listening to this, and they've got a situation like that, then it's really important that you keep a lookout for that. Because you may be good with your money, maybe gonna manage your credit, doesn't mean that your family member is if you're, you know, if your son's out there ruining your credit and your name by accident, or your father or whatever. That could be a huge problem. So definitely. The next thing here is, you know, how so they're all basically the same? How are they formulate credit scores is.

Cassandra Jackson  7:35 

so 35% your payment history, which is why we tell people to make sure you make all of your, all of your bills on time. That is the huge that's the biggest portion of your credit report, your credit history. The next one is your amount of debt. How much debt do you have compared to your income? Is it high or low? That's the next thing they’re I'm looking at. Because if you're out here applying for all the credit, but your money coming in is less than your money. If your debt is more than the money you have coming in, and you're most likely not going to get approved. You think you have the people percent is your limit your credit will show your longest account on there. How long have you had the account? Most people make the mistake of closing credit lines not realizing that line has 10 years of history, you just deleted 10 years of your credit history and your credit score take a big hit for that. And then they'll call me and be like, Oh, my score went down a hundred and something, what happened and my responses What did you apply for? What did you close? And it usually when I had this part that I wansn’t using and so I just closed. Me I wouldn't have closed it probably would have used it as my gas card.

Keith McKeever  9:07 

Yeah, that's always a good idea. I mean, I my wife and I try to do that with some of our credit cards. Just try keep a little by gas with it, which, you know, side note to that obviously, there's all the skimmers on gas tanks right now. That is probably the safest way to pay for your gas. You know, just put your monthly gas on it and you rack it up maybe 100 bucks, whatever. It depends on where you live, and it just paid off. And you know, you're using it, you're keeping his history alive. Because that's pretty much the biggest, chunks that's where the credit score is going to move the most. If you're opening up a new account or closing one mm hmm okay,

Cassandra Jackson  9:44 

Because when you open an account it’s opened  as the new amount so your credit score always takes that 30 to 40 sometimes 50 point hit but and most people get mad about it not realizing that after you’ve  had that account in  good endings for six months You're gonna get those points. But the key to keep in their account in good standings and something and some people, you always have the one who said Oh I have an emergency. So for me, for my client, where I tell them is, yes, the rule is to stay under 30% utilization, but I'm going to tell you 10 allow you in case of emergencies pops up .

Keith McKeever  10:29 

Absolutely, you know, it's good to have wiggle room, you know, if you have to rely on credit, hopefully, people are budgeting enough where they've got some a little bit emergency cash sitting around, they can do things. But you know, that's, that's definitely good point, if you're, if you're not using it much, maybe 10%. You know, I always tell people, when they have credit issues, I'm like, Hey, I'm not an expert, but check what your bills are, you know, if you've got $1,000 credit limit, and you're sitting at $600, you can maybe make up a decent chunk of score by just paying that down below 500, or down to below 250, or something like that, you know, and in 30 days, when those numbers get reported, again, or so, you know, you might see an improvement, especially for those people, you'll speak in real estate specific here, who might be sitting at a, you know, 600 or 620 credit score and a, you know, the bank, they want to use require 640 or 650, or something. You know, that's kind of an easy fix, if you can pay it out. So definitely get it go get a copy where, you know, I've said earlier, there's probably some not very reputable places, but where should somebody go to get a copy of their credit score?

Cassandra Jackson  11:41 

Gives you your credit report free once a year. However, right now with COVID-19. They've been doing it every week.  

Keith McKeever  11:56 

It must have some very serious concerns for you know, credit theft out there.

Cassandra Jackson  12:02 

Yes. I get a lot of clients, I have to tell them to go ahead. And like the first that we have the entertainment do that we have, is enroll them in the identity theft protection, because when they reach the portion where they have to verify their identity, which is where your own odds three questions that only you would know for paying for your credit, and answering the questions, they get them all wrong, because for them, they're answering correctly because these debts don't apply to them. But according to their credit report, these debts do belong. So we have to go ahead and get them started on the identity enforcement and  the attorney get to work and help them fix it and track it back.

Keith McKeever  12:51 

Yeah, that's what really gets messy and expensive, right? Yeah, hiring an attorney.

Cassandra Jackson  12:57 

actually no  our attorney do all the work. Like, I don't do any of the fixing of the credit. I just get her information over to the credit attorney. So for the moment you hit submit on my website and go to work on your credit.

Keith McKeever  13:18 

Okay. Yeah, cuz you need an attorney. Yeah. If you got problems like that, you got some Yeah, I can't deal with on your own. So speaking of those, I'm thinking this next question is going to kind of lean towards the attorney. But if there is a problem on the credit, that's where you need to go, is having an attorney back you up and help trying to clear those off? If they're fraudulent, or, you know, you're challenging for some reason?

Cassandra Jackson  13:44 

Yes, because you can always challenge it yourself. But there is a 70% chance is not going to come out because the verdict has to be right. So by allowing a credit partner to do it, someone  who spent the money  to go to school, and do that  you have a better chance of getting that item off your credit and getting your identity restored if you're the victim of identity theft.

Keith McKeever  14:11 

Okay, I would assume there's a big time difference too right. You know, trying to do it versus higher, you know,

Cassandra Jackson  14:17 

 it is and it depends upon the customers like some companies are paid for with me. They can only challenge two to three items on one credit report every three to four months. My company calls in a non profit. So we're able to challenge all of your negative items at one time, giving you a faster turnout.

Keith McKeever  14:43 

Okay, how long you know

Cassandra Jackson  14:49 

Most of us find the results as fast as 45 to 90 days

Keith McKeever  14:51 

Oh, well  I think that's pretty quick for a sensitive issue like that.

Cassandra Jackson  14:57 

Yeah, we have to remind them we also have offered them on them the credit bureau, even though we send the letters out, they have 35 to 45 days to respond to those dispute letters. And a lot of time, that's where all the phone goes. Because sometimes they don't always, respond right back like 45 days go by, and I'll get clients that say, Hey, I got a letter back from Experience, but I haven't heard anything from TransUnion. You'll be like, Well, okay, I'm gonna go ahead and go with the next round. And keep going, or if I got something back from transunion but I  haven't heard from eqiufax doing it, but I haven't heard from. Okay, well, we're going to keep going. And, yes, and then the other tool that that I recommend to them is, make sure to check to make sure that I'm certified that way, when we call to acquire a hacker, they can't say that. Because you have your slip from the post office where you sent the certified saying they died

Keith McKeever  16:06 

Yeah, that's a really, that's a really smart one right there. Certified Mail. Probably underutilized in a lot of different ways, you know, even outside of of this particular thing, yet, you know, it was delivered, there's no excuse, but you are still on their time, you know, right, get back to you, when they get back to you and exactly what it is, you know, as long as you set that expectation right up front, that, hey, you know, you're probably not going to hear back in the first week, they're gonna take their sweet time, as it says. They're gonna get to you eventually. 

Cassandra Jackson  16:40 

and that's why we always tell them also, right, for people who like to do it themselves. I tell them all the time, it's fine to do it yourself. But never do it online dispute. Because when you do an online dispute, you're wasting a lot of your right, from the Fair Credit Reporting virus about it’s not online all over the phone and two when you dispute over the phone. And when you dispute over the phone, you have no upload supporting documents, they're not going to send you an email to upload supporting documents, can't go to their website to upload  supporting marketing; this became another number thats going to sit on on somebody cue and then they’re , gonna mark it and stay accurate and put it back to you.

Keith McKeever  17:23 

It's really good point, you know, if you have this certified mail, they've got it. Exactly. And if they mess up, and they lose it or something like that, at least lose, you've got proof that they had it, and they got receipt of it. So that's really good point. So, you know, back to kind of scores and stuff what, what is considered the different ranges for those people out there that don't know.

Cassandra Jackson  17:48 

Right now, after speaking to a few relatives that I connect with and refer clients to me, a lot of their lenders are requiring people to have a 740 a better credit score if you’re trying to get a house right now.

Keith McKeever  18:06 

Various loan types, right?

Cassandra Jackson  18:08 

Yeah, yes, yeah, I have a few that said, they're still with the 640. But your interest rate is still kind of high and this income ratio has to be pretty well, pretty low.

Keith McKeever  18:23 

That's it. That's a good point. As a realtor that I'll interject there is, you know, a lot of people don't really think about it, like they think I've got to have a credit score of whatever number to qualify for house, they don't realize that your interest rate is attached to that. So the better your home, the better interest rate. So if you've got a credit over 800, I mean, you're gonna get the premium credit, you know, just, you know, if you had maybe a 640 range, you might be getting it. 3.4 3.5. And if you were in 100, and above, you could have been qualifying for 2.8 2.9. I mean, yeah, absolutely saying you know what that difference is based on credit. So, another incentive out there for all the listeners and viewers to just keep, you know, don't don't get to a certain point stop. You know, You want to keep going and get yourself, you know, up there.

Cassandra Jackson  19:25 

Exactly, like I have a friend now. She just did her VA home mom. And the only thing that they added to her was that she needed to have I think about 5000 set aside in an emergency account to cover her mortgage in case anything happened. And I was like, Okay, I've heard that a few times when I first started. And my credit was in like  640 Probably 645 rings, I was like Yeah, I can believe that.

Keith McKeever  20:04 

Yeah, there's there's definitely a lot of strange things that can happen based on the credit score, you know, and the risk that the bank assesses on the house, and as part of the appraisal and the value and condition and all that stuff. And if you've got a low credit, lower credit score and a higher risk for the bank, and in a property that may not meet, you know, the condition requirements, like perfectly, you know, that could see that sometimes.

It's, you know, on the credit basics was, you know, kind of credit history, we've kind of talked about that linked to credit, and things like that is there anything else that really affects the history other than length and opening up new accounts. 

Cassandra Jackson  20:49 

I think we covered it all,

Keith McKeever  20:50 

You know, I kind of thought so too. So yeah, yeah, to kind of go into next things I had here is, you know, kind of what helps and hurts credit. So what should somebody do with accounts? You know, should they pay, a credit card? Bill to a very low balance, just leave a couple bucks on there. I've seen, you know, arguments both ways. What are your thoughts on that? 

Cassandra Jackson  21:16 

A lot of people say that, but I feel like if you are using the card regularly. Then why do you need to leave a balance on that  but  what I do is, if I've used as I'm up to my 30% utilization on my car, then I used to take that payment, and I split it in half, and his team days before my due date, I'll make a payment. And then three days before my due date, I'll make another payment. And what that does, even though I paid my bills in full, it tells them that I make two payments. And then that's for anyone that works for anybody that needs that quick cleaning the 50 point entries on their credit score.

Keith McKeever  21:55 

Okay, so you can take with any kind of, yeah, what your utilization is, even if you're at 60%? 

Cassandra Jackson  22:03 

Yeah. Yeah, so you need to move it down to on that back bounce about 30 percent. Yeah.

Keith McKeever  22:11 

That's a good idea, you know, I guess my thoughts are, you know, a lot of people try to remember to actually do that, it was probably a difficult thing. So, you know, I would suggest to people, if you're going to do that, you know, make sure you put it like in a calendar somewhere where you're going to, you know, that way you don't actually skip it, like, that's your intent. And now you've actually spent the money and don't have the money for the poll payment, or get yourself into trouble there. And because then you're taking two steps forward, one step back. Right.The direction you want to go. So I had another question here about, you know, closing lines, you know, we kind of talked about that not being a good idea. So, you know, for those people that are looking to make a purchase, whether it's a car or house, maybe they're 20 points away, you know, how long do you think there's just a lot of variables, but realistically would take somebody to make that 20 point jump, just wondering

Cassandra Jackson  23:14       

Is actually pretty easy, if they have a, they have credit cards or store cards that have balances on it. Like, you got a Macy's card and you got $100 balance on it. It's easy to make the payment for two payments, it's gonna jump up. It's the same with the credit. All right, make the payment and your score going to jump up.

Keith McKeever  23:40 

We're looking like 30 to 45 days or so yesterday, at most depending on when they're reported. Yeah, yes. So, okay, what about like 50 points, kind of the same thing? You know, it's really a couple of months of that.

Cassandra Jackson  23:52 

Yes, yes. Okay. Good thing is I don't think most people know but smart credit. The website that we use to help our clients keep track of what's going on with their credit score. Well, it also has a pool in there that shows them how much they need to pay off each credit or each line of credit to increase their credit score of cutting no more points. I use it myself all the time for my cardinal I need from my credit card and my store cards like it’s lets you know like oh are you trying to get this many points with this month that you need to make this payment on this card  by this date of the month?

Keith McKeever  24:36 

Is that smartcredit.com?

Cassandra Jackson  24:37 

Yes.

Keith McKeever  24:42 

Let me go ahead and put that up on a banner here for those of you watching show that way they can kind of refer back to that's pretty cool tool. I'm gonna have to go check that out. Because I think, you know, there's a lot of questions that I get sometimes that you know, people are that far away and you kind of ask and I, I kind of tell them the same things you know, pay down your utilization don't open up any new lines of credit, you know anything like that it’s cool to be able to point her towards and say look take what I tell you then go here and see what this kind of says and see where you're at so that's awesome. So what you've seen before, what are the, like the biggest no-go’s, the biggest problems that you've seen? And then you know, what are the biggest successes you've kind of seen.

Cassandra Jackson  25:32 

The biggest problems that we see are bankruptcy, student loan credit cards, repo and medical bills those are the biggest negative items that we speak the most when I have most.

Keith McKeever  25:53 

Which one of those are the easiest to kind of deal with?

Cassandra Jackson  25:57 

Credit cards are? Um, because because for them in their accounts already charged off. So it's easy to get those easy getting them removed the card, or the student loans and the bankruptcy. Okay, those takes up on this and what I like to remind people is that yes we can get the student types of and what I liked is that, yes, we can get the student loans removed off your credit for you. But there's two things you have to rely on. One, you still always do the most it's just no longer affecting your credit when you move those payments or your loans in default.

Keith McKeever  26:39 

Because a lot of those are federally backed, right.

Cassandra Jackson  26:41 

Yeah, you still own the department of education it's just no longer on your credit. And the other thing is if your student loans are in good standing, you just have a few late payments then just request that your payments be updated to pay on time because you have to remember that's a large part of your credit history that you're delivering. So when you delete that be prepared well your credit score is a huge hit 

Keith McKeever  27:19 

that's a darn good point you know you may not have college but you could also be 10 or 15 years out and that is a lot of history to wipe out I never thought exactly that would be something else 

Cassandra Jackson  27:36 

Yeah it only works for you if you've had a credit card or your home loan that's been on there just as long as your loan.

Keith McKeever  27:51 

We kind of lost you there for a second you just do the kind of lost you there for a second there What was that again? For a second

Cassandra Jackson  28:25 

Can you hear me now okay, hear me?

Keith McKeever  28:31 

Yeah, I think we're good now go back up there a little get out sooner

Cassandra Jackson  28:42 

if you have a credit card or your home or that has been on there

Keith McKeever  28:55 

yet you got a visitor hmm would you say hey, what's that?

Cassandra Jackson  29:11 

Hang on one second money?

Keith McKeever  29:35 

Sounds like it's about NAFTA.

Cassandra Jackson  29:37 

Yes.

Keith McKeever  29:40 

So the last kind of question here I have for your credit, you know, what are what do you think are the best three practices that somebody can continue realistically to help build their credit and maintain it? I

Cassandra Jackson  29:53 

If you have no credit at all? Start off with a secured card. and make sure you think under your 30% utilization actually getting started, I would recommend, picking under 10, because you're trying to build, also make sure you pay all of your vehicles. Because if you know now everyone has the equity and booth where you can actually use like your phone bill your full account, your utility bill, and all of that, to help you build your credit. So by paying all your bills on time and using it also helps you build your credit and maintain credit.

Keith McKeever  30:38 

Good point on the Experian boost. I've heard about it before, but I don't know that much. How does somebody go about doing that? Do they have to reach out directly?

Cassandra Jackson  30:45 

Yes, you go through the experian website accept the account with them. It is free and you claim, you do that it gives you the option to use the Experian boost. And when you do that, whatever bank account that you use to pay your bills, that's the account you want to link to it. Because it's going to search for that account. And it's going to pull all of your bills you pay. 

Keith McKeever  31:13 

Everything that’s  reoccurring. 

Cassandra Jackson  31:19 

and that can give someone 20 to 35.

Keith McKeever  31:27 

Okay, I think that gives us some really good advice, like you say, making, splitting your payment up into two, maybe doing the Experian boost and some other things for those people that are on that borderline of, you know, trying to make that first home purchase or car purchase or whatever, and they know they're just a little under where they need to be. So that is awesome. And that smartcredit.com still have that rule at the bottom of screen for those

Cassandra Jackson  31:54 

And with smart credit it is going to show you your transunion which is your real time transfer 

Keith McKeever  32:06 

Awesome. Well, this has been awesome on credit, I hope this really comes in helpful. For those people that don't, well, most people don't really know much about credit, because it's something unless you're kind of in a in an industry related to finance or credit, you don't really know a whole lot about it. It's kind of a kind of a secret. Society, you know, the the best kept secrets, they'll tell you, you know, it's just kind of one of those one of those weird industries, if you will, that are kind of like that. So hopefully, back the curtain a little bit and help some people out. So now I've got three other questions for you. And you some options I asked beforehand. These are questions I would ask every bet that's been in here. What advice would you give to someone who's looking to transition out of uniform today?

Cassandra Jackson  32:57 

The first and most, what would be to make sure you've done an  accurate look over there. Go ahead and fix anything you need to now, while you have access to all the reports is also in transition and out. If you don't already have a job lined up, work on it. Because for me, even though I was approved for my disability before I got out, I still had eight months before we got started.

Keith McKeever  33:37 

Wait. Yeah, it's different for everybody. So that's, that's good advice. So what would you say to any young person that's thinking about joining the military? today? What kind of advice would you give to them?

Cassandra Jackson  33:52 

Definitely do it. If you’re gonna do it, do it at the same time, take advantage of all the resources they have available. I did finish my associates in computer science while I was in. And I finished my masters and human services while I was in. But most do it they come in and then if you don't take advantage of education. And that's how you get lost. Yeah, your education. 

Keith McKeever  34:25 

And I was kind of the same way I didn't take advantage of education to lay you off for years. And then I took a couple of classes, did a couple of TDs, and that kind of you know, put a few things on hold. And that's all the education I did in the little over five years that I was in and got, you know, wish I would have more of that because two years ago, I went back to school to use my GI bill before it expires. And you know, I kind of kicked myself now I'm like, Man, I'm in my mid 30s And I'm just now going back to school and I don't plan on doing anything different, but real estate, but you know, just to have that degree and use it. And it's a business administration degree. But I look back and I'm like, I had time to do it. I didn't make it a priority. So yeah, versus because there's a financial resources, support. I mean, all that stuff is there for you. You just got to use it. So that is a good one. I like that. And then, you know, last question I've got here for you. Is there any particular groups that maybe you're a member of or that you're aware of, or a nonprofit that or veteran social group out there any kind of veteran group, um, that you support.

Cassandra Jackson  35:44 

If you're in a brighter tomorrow, foundation is amazing they do a lot of work for the Community and the youth and the veteran crews I’m in a lot of veterans my favorite is the beautiful blue. The commodity the support and love from all the ladies is amazing. I love it.

Keith McKeever  36:08 

Awesome. Yeah, there's a lot of good ones out there. That are they're very supportive. And it's nice to have that support structure because it's something you kind of lose after you leave.

Cassandra Jackson  36:17 

Uh huh.

Keith McKeever  36:18 

I'm a few of them as well, that are not the same groups that you just mentioned, but I'm definitely in a few Yeah, the ones that we met was that we that we met in? So there's a lot of value out there. So I, you know encourage people, get off social and get those groups. 

Cassandra Jackson  36:37 

Exactly because that’s going to give you the support you need coming out?

Keith McKeever  36:43 

Yep. because it's tough. And it goes beyond the whole financial and credit part, you know, yeah, the connections, the jobs, all that stuff. So anyway, that's all we had, I want to say thank you so much for for being here and agreeing to do this and talking credit for the who's out there listener, you can go to smartcredit.com to check that out. Or if you'd like to connect with Cassandra, here's your website. It's I will have it in the link description as well for you too. But it's www.ucepp.net /cjackson87. So you can go there and you can connect with her. If you got some credit issues, questions. I encourage you to go there and get yourself take care of so once you get your solder. I really appreciate it. Thank you for having me. Hope we can get your future. So alrighty. You're out of here. And you once again folks, I really hope you enjoyed that. Go ahead and make sure you hit the subscribe button. You can remember you can find us on Anchor, Apple Music, Spotify, a handful of other places. If you want to listen, you can watch us on Youtube. Like I said, share, subscribe, like whenever the social platform calls for. Please help us get the word out about this show and about all the good things that we can do to help other people.