TheCreditGuyTV Podcast

TheCreditGuyTV Podcast

97 episodes

This podcast is my attempt to END the credit repair industry. Since 1991 I have been providing credit reports to the lending community. I have always felt that the credit repair industry has taken advantage of people. If you want to fix your own credit it is not that hard, you just have to know what to do. Dave Sullivan graduated from Western Michigan University in 1989 with a bachelor’s degree in Finance. He started in the mortgage industry as a loan officer in 1991. Less than one year later started selling credit reports to Mortgage Companies, Banks and Credit Unions. On September 19, 1997, he started AIR Credit Midwest out of his car. Over the next two years, Air Credit Midwest grew to a multi-million dollar company. In 2000 he was approached by one of the largest Credit Reporting Bureau’s in the nation to purchase AIR Credit Midwest. He sold it and worked for that company as Sales Manager of the Michigan and Ohio market for the next ten years. During his career in the credit industry, he has personally reviewed thousands of credit reports and credit scores.

Podcasts

How "The Cares Act" Changed Credit Reporting FOREVER?

Published: Feb. 14, 2022, 6:01 p.m.
Duration: 3 minutes 3 seconds

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3 tips for a better 2020 budget!

Published: Feb. 13, 2020, 6:09 p.m.
Duration: 4 minutes 40 seconds

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The Problem with Experian Boost no one is talking about #credit #creditscoring

Published: April 3, 2019, 1:51 a.m.
Duration: 4 minutes 3 seconds

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Did We Change the Credit Industry?

Published: May 28, 2018, 3:16 a.m.
Duration: 2 minutes 17 seconds

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Credit Score Dropped for No Reason?

Published: May 10, 2018, 10 a.m.
Duration: 3 minutes 21 seconds

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4 ways to get your offer accepted

Published: May 3, 2018, 10 a.m.
Duration: 3 minutes 28 seconds

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Trended Credit Data Fannie Mae Update

Published: April 26, 2018, 9:30 a.m.
Duration: 3 minutes 50 seconds

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April 16th 2018 TransUnion Stops Reporting Tax Liens

Published: April 17, 2018, 1:08 a.m.
Duration: 3 minutes 16 seconds

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Your Credit Score could cost you 5K a year in extra insurance costs

Published: April 12, 2018, 10 a.m.
Duration: 2 minutes 45 seconds

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Transform your Credit

Published: April 2, 2018, 11:35 p.m.
Duration: 34 seconds

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How to handle collections with FICO5 vs FICO9

Published: March 29, 2018, 10 a.m.
Duration: 5 minutes 9 seconds

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2 Safe ways to improve your credit score

Published: March 8, 2018, 11:30 a.m.
Duration: 4 minutes 32 seconds

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Transform Your Credit Interview

Published: March 1, 2018, 11 a.m.
Duration: 3 minutes 37 seconds

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Why have Public Records Stopped Reporting on Credit Reports?

Published: Feb. 22, 2018, 11 a.m.
Duration: 3 minutes 37 seconds

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How to keep an Ex Spouse from Killing your Credit Score

Published: Feb. 8, 2018, 11:30 a.m.
Duration: 3 minutes 27 seconds

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Here are two ways that the Equifax information could be used to hack consumers identity.

Published: Feb. 2, 2018, 11:11 p.m.
Duration: 5 minutes 8 seconds

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3 Ways to Handle Collections

Published: Jan. 25, 2018, 3:23 a.m.
Duration: 4 minutes 29 seconds

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What generation has the best credit score?

Published: Jan. 18, 2018, 11 a.m.
Duration: 4 minutes 22 seconds

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How to Rescue Credit Scores after Bankruptcy.

Published: Nov. 9, 2017, 11 a.m.
Duration: 3 minutes 26 seconds

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Dave Ramsey Wrong on Credit Reports and Credit Scores

Published: Oct. 27, 2017, 1:10 a.m.
Duration: 3 minutes 45 seconds

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The #1 way to protect yourself from the Equifax Hack

Published: Sept. 14, 2017, 10 a.m.
Duration: 4 minutes 31 seconds

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A great job explaining how we have 1.5 trillion in student loan debt

Published: Sept. 7, 2017, 10 a.m.
Duration: 7 minutes 5 seconds

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Should you pay off an installment loan to help your credit score?

Published: Aug. 24, 2017, 10 a.m.
Duration: 3 minutes 6 seconds

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How Many Credit Cards Should You Have?

Published: Aug. 10, 2017, 10 a.m.
Duration: 3 minutes 53 seconds

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Will Fannie Mae Stop using Credit Scores?

Published: Aug. 1, 2017, 12:24 a.m.
Duration: 5 minutes 16 seconds

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How long will it take an installment account to improve My Credit score?

Published: July 27, 2017, 10 a.m.
Duration: 2 minutes 20 seconds

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How to handle collections on credit reports

Published: July 13, 2017, 10 a.m.
Duration: 4 minutes 16 seconds

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What is the Most Important Date on a Collection Account?

Published: July 6, 2017, 10 a.m.
Duration: 2 minutes 29 seconds

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Did your credit score improve July 1st? Here is why.

Published: July 1, 2017, 1:38 p.m.
Duration: 4 minutes 47 seconds

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What is a Michigan 203K loan with John Leach

Published: June 15, 2017, 10 a.m.
Duration: 6 minutes 40 seconds

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Kevin Elsenheimer interview with Executive Director of MSHDA

Published: June 8, 2017, 10 a.m.
Duration: 6 minutes 4 seconds

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MSHDA Federal Tax Credit Calculation

Published: June 2, 2017, 10 a.m.
Duration: 2 minutes 45 seconds

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What Credit Card Should I Payoff First? Credit Score Tips

Published: April 18, 2017, 10 a.m.
Duration: 4 minutes 18 seconds

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Collection Accounts Re-reported On My Credit Report?

Published: March 16, 2017, 10 a.m.
Duration: 4 minutes 25 seconds

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How can my credit report be marked Deceased?

Published: Feb. 23, 2017, 11 a.m.
Duration: 4 minutes 28 seconds

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Perfect Credit Report Profile Secrets

Published: Feb. 16, 2017, 11 a.m.
Duration: 6 minutes 52 seconds

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Medical Debt Advanced Strategies to get it removed!

Published: Feb. 9, 2017, 11 a.m.
Duration: 11 minutes 48 seconds

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Medical Debt Credit Report Collection Help

Published: Feb. 1, 2017, 11 a.m.
Duration: 3 minutes 34 seconds

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If I dispute an account with 1 of the 3 repositories will it automatically fall off the other 2?

Published: Jan. 26, 2017, 11:30 a.m.
Duration: 4 minutes 7 seconds

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2017 Trended Credit Data Update

Published: Jan. 19, 2017, 10:30 a.m.
Duration: 5 minutes 23 seconds

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Is a University Degree Worth $80,000 in Debt?

Published: Jan. 5, 2017, 11 a.m.
Duration: 3 minutes 49 seconds

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State Housing Development Authority.

Published: Oct. 22, 2016, 8:29 p.m.
Duration: 6 minutes 4 seconds

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Rural Development loan changes start October 1st 2016.

Published: Sept. 29, 2016, 11:50 p.m.
Duration: 4 minutes 34 seconds

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Pay Bills and Improve Your Credit with AirBnB.com

Published: Sept. 1, 2016, 10 a.m.
Duration: 2 minutes 57 seconds

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How to remove collections off your credit report using The National Consumer Assistance Plan

Published: Aug. 26, 2016, 10 a.m.
Duration: 3 minutes 49 seconds

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The Trended Credit Data Unintended Consequences

Published: July 2, 2016, 12:35 p.m.
Duration: 3 minutes 50 seconds

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3 Ways to get a leg up on Trended Credit Data

Published: June 2, 2016, 10 a.m.
Duration: 5 minutes 28 seconds

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TheCreditGuyTV Radio show number 01

Published: May 26, 2016, 10 a.m.
Duration: 28 minutes 1 second

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GET IT! What if your credit score was 1000?

Published: May 20, 2016, 3:14 a.m.
Duration: 7 minutes 3 seconds

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Will reactivating an old account help my credit score?

Published: April 7, 2016, 10 a.m.
Duration: 3 minutes 15 seconds

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Trended Credit Report Example

Published: March 31, 2016, 10 a.m.
Duration: 4 minutes 1 second

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FICO 9 Now available for the first time

Published: March 24, 2016, 10 a.m.
Duration: 4 minutes 2 seconds

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How to pay your bills with the money you save.

Published: March 10, 2016, 11 a.m.
Duration: 5 minutes 43 seconds

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Credit score impact of ignoring sold derogatory accounts.

Published: March 3, 2016, 11 a.m.
Duration: 3 minutes 47 seconds

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Protect minors credit with a credit freeze.

Published: Feb. 25, 2016, 11 a.m.
Duration: 4 minutes 18 seconds

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Warning about Small Banks, Tiny Credit Tip #2

Published: Feb. 4, 2016, 11 a.m.
Duration: 3 minutes 28 seconds

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Tiny House vblog 001

Published: Feb. 2, 2016, 11 a.m.
Duration: 2 minutes 23 seconds

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The Most Important Credit Move Before College?

Published: Jan. 28, 2016, 11 a.m.
Duration: 4 minutes 38 seconds

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Risked Based Pricing on Cellular Contracts in 2016

Published: Jan. 21, 2016, 11 a.m.
Duration: 2 minutes 47 seconds

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How long will a collection stay on my credit report?

Published: Jan. 2, 2016, 8:46 p.m.
Duration: 5 minutes 53 seconds

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Never Pay Collections?*

Published: Dec. 17, 2015, 4:30 p.m.
Duration: 3 minutes 25 seconds

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Holiday Credit Card offers and their affect on your FICO score

Published: Dec. 9, 2015, 11 a.m.
Duration: 1 minute 58 seconds

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3 Credit Holiday Shopping Pitfalls,

Published: Dec. 1, 2015, 3:48 p.m.
Duration: 3 minutes 34 seconds

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Credit Scores Explained, Credit Explained, Scores Explained

Published: Nov. 12, 2015, 11 a.m.
Duration: 5 minutes 3 seconds

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What is Trended Credit Data? Credit Scores Look Deeper

Published: Nov. 5, 2015, 11 a.m.
Duration: 5 minutes 33 seconds

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Are You Credit Score Invisible?

Published: Oct. 28, 2015, 10 a.m.
Duration: 2 minutes 49 seconds

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4 tips to help you improve your credit score right after bankruptcy.

Published: Oct. 22, 2015, 12:41 p.m.
Duration: 5 minutes 9 seconds

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Mitch Kider Interview What to expect after TRID

Published: Oct. 2, 2015, 3:38 p.m.
Duration: 4 minutes 42 seconds

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Interview with The Oracle of the Interest Rate

Published: Sept. 23, 2015, 3:36 p.m.
Duration: 5 minutes 28 seconds

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7 Secrets of a Perfect 850 Credit Score!

Published: Sept. 21, 2015, 10 a.m.
Duration: 5 minutes 9 seconds

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How do I get my credit score ready to buy a home?

Published: Sept. 18, 2015, 2:35 p.m.
Duration: 14 minutes 4 seconds

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Should you buy or lease a car from a credit perspective?

Published: Sept. 17, 2015, 2:41 p.m.
Duration: 3 minutes 22 seconds

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Remove an IRS tax lien before paying it off

Published: Sept. 14, 2015, 10 a.m.
Duration: 17 minutes 10 seconds

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3 ways to improve your credit before you go home shopping.

Published: Sept. 11, 2015, 10 a.m.
Duration: 5 minutes 47 seconds

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How to find a good realtor to buy a home or sell your home

Published: Sept. 10, 2015, 10 a.m.
Duration: 4 minutes 13 seconds

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get your student loans forgiven?

Published: Sept. 9, 2015, 10 a.m.
Duration: 5 minutes 39 seconds

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From my presentation from the Building Michigan Communities Conference.

Published: Sept. 8, 2015, 10 a.m.
Duration: 5 minutes 50 seconds

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How to REMOVE a tax lien from your credit report.

Published: Sept. 7, 2015, 10 a.m.
Duration: 2 minutes 15 seconds

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What to do when youre DEAD! per your credit report

Published: Sept. 4, 2015, 10 a.m.
Duration: 1 minute 56 seconds

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How to remove collections from a credit report for free

Published: Sept. 3, 2015, 10 a.m.
Duration: 3 minutes 41 seconds

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What factors make up your FICO score?

Published: Sept. 2, 2015, 4 p.m.
Duration: 3 minutes 3 seconds

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FICO has issued the United States Government a Credit Score.

Published: Sept. 1, 2015, 10 a.m.
Duration: 2 minutes 40 seconds

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How to get your Credit Report ready to buy a house.

Published: Aug. 31, 2015, 10 a.m.
Duration: 2 minutes 38 seconds

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Date Reported, Date Opened, Date of Last Activity?

Published: Aug. 28, 2015, 10 a.m.
Duration: 2 minutes 48 seconds

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Divorce Decree will not change credit responsibility.

Published: Aug. 27, 2015, 10 a.m.
Duration: 1 minute 40 seconds

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How to protect your kids from identity theft.

Published: Aug. 26, 2015, 10 a.m.
Duration: 2 minutes 31 seconds

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How to pay bills in a way to maximize your credit score.

Published: Aug. 25, 2015, 10 a.m.
Duration: 7 minutes 29 seconds

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Good Rental Credit History now being reported by Experians Rental bureau

Published: Aug. 24, 2015, 10 a.m.
Duration: 3 minutes

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MY BUSINESS PHILOSOPHY

Published: Aug. 21, 2015, 10 a.m.
Duration: 1 minute

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Installment or Revolving?

Published: Aug. 20, 2015, 10 a.m.
Duration: 3 minutes 57 seconds

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Why Did I Author Advanced Credit Scoring?

Published: Aug. 19, 2015, 10 a.m.
Duration: 3 minutes 5 seconds

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Remove a IRS tax lien off your credit report in 10 STEPS

Published: Aug. 18, 2015, 10 a.m.
Duration: 1 minute 17 seconds

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How long will a hard credit inquiry impact your FICO score?

Published: Aug. 17, 2015, 10 a.m.
Duration: 2 minutes 44 seconds

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Credit disputes could keep you from getting a loan.

Published: Aug. 14, 2015, 10 a.m.
Duration: 1 minute 49 seconds

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How will a short sale affect my credit?

Published: Aug. 13, 2015, 10 a.m.
Duration: 3 minutes 35 seconds

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5 Tips for establishing credit

Published: Aug. 12, 2015, 10 a.m.
Duration: 5 minutes 55 seconds

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Get the Credit Education you should have received in school.

Published: Aug. 11, 2015, 10 a.m.
Duration: 4 minutes 21 seconds

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