John Boll: Guide to Building and Maintaining Stellar Credit

Epic Spotlight Podcast

John Boll is a seasoned professional with over a decade of expertise in elevating individuals' financial profiles. With a distinguished career spanning 13 years, he has passionately devoted himself to empowering people to enhance their credit scores and unlock their financial potential. Starting as a Mortgage Consultant, John spent seven years navigating the complexities of credit landscapes before transitioning into a FICO Certified Credit Restoration Specialist, a role he has excelled in for the past eight years. What sets him apart is his commitment to holistic solutions tailored to individual needs, catalyzing transformative change in countless lives. For John, the journey extends beyond credit repair—it's about fostering lasting financial wellness and prosperity, fueling his passion to help others achieve financial freedom.

In this episode, Dante and John discuss:

• Transformative strategies for credit restoration and personalized financial solutions
• Key components of achieving an 800-credit score, including credit mix and utilization
• Practical tips for maintaining a strong credit profile and avoiding late payments
• Effective techniques for negotiating settlements and managing open debt
• Navigating specific credit challenges, including medical collections and FHA loan charge-offs

Key Takeaways:

• A balanced credit profile starts with building the right credit mix and keeping credit utilization low, highlighting the importance of strategic borrowing habits.
• Paying bills on time emerges as a cornerstone for maintaining a strong payment history, showcasing discipline as a critical factor in financial success.
• Timing plays a pivotal role in debt negotiation, with end-of-month settlements often yielding better outcomes for individuals managing open balances.
• Establishing business credit is simplified through vendor partnerships with major retailers like Walmart and Home Depot, emphasizing the power of strategic alliances.
• Overcoming specific credit challenges involves ignoring medical collections under $1,000 and understanding FHA loan charge-off rules, offering practical steps for financial recovery.

“Never have a late payment—set up autopay so all you need to remember is having enough in the account each month. Keep credit card balances below 20%, and if possible, just pay everything off. Use credit cards to build credit or for emergencies; those interest rates are phenomenal.”

- John Boll

Connect with John Boll:

Website: https://www.creditcareco.com/

LinkedIn: https://www.linkedin.com/in/ficocertifiedcreditpro/

Connect with Dante Royster:

Website: https://www.danteroyster.com/

Epic Mortgage Website: Epic Mortgage, Inc. NMLS 1885086

Facebook: EpicMortgage1885086

Epic Mortgage Instagram: https://www.instagram.com/epicmortgage/

“The Ultimate Mortgage Guide” book: https://www.amazon.com/dp/B0CKTRWLRP

LinkedIn: Dante Royster | LinkedIn

Twitter: https://twitter.com/DanteRoyster

YouTube: Epic Spotlight

Email: [e-mail]

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