Credit Episodes
How Can I Fix Mistakes and Improve My Credit Score?
If you’ve ever looked at your credit report and felt overwhelmed by errors or discouraged by a low score, you’re not alone. In this episode of Financially Confident Christian , Ralph helps you move from frustration to clarity...
Can I Use Credit Wisely Without Falling Into Debt?
For many, credit feels like a trap waiting to snap shut—something to avoid completely out of fear of falling back into debt. But what if the problem isn’t credit itself, but how it’s used? In this episode of Financially Confi...
Trying to Pay Off Debt? Should You Stop Using Credit Cards?
Debt isn’t just numbers—it’s emotional, spiritual, and heavy. In this episode of Ask Ralph , Ralph kicks off a new focus in the Joy of Living Below Your Means series by tackling the first, most courageous step toward financia...
How much money could you save by managing your credit like a Pro?
Feeling frustrated by high interest rates or the embarrassment of being denied credit? You're not alone, and today we’re diving into the world of credit monitoring services, exploring how managing your credit like a pro can s...
Why do people obsess over a 800 credit score when this score is just …
Chasing that elusive 800 credit score could be the very thing blocking your financial blessings. Ralph shares the heartfelt story of Jennifer, who has put her life on hold due to her obsession with her 765 credit score, highl...
How do I freeze my credit file and why should I consider doing it?
Freezing your credit file might be one of the smartest financial moves you can make to protect yourself from identity theft. Ralph Estep Jr. addresses the alarming rise of unauthorized credit applications and the emotional to...
What are 7 credit card debt myths that nobody should believe?
Are you feeling overwhelmed by credit card debt? You’re not alone—many people are trapped by misconceptions about credit cards that can lead to costly mistakes. Ralph dives into seven dangerous credit card myths that could be...
What are ten things I should never do with my credit card?
Are you making dangerous mistakes with your credit card? In this episode of The Ask Ralph Podcast , host Ralph Estep Jr. uncovers the most common credit card blunders that lead to overwhelming debt. Ralph draws from personal ...
Why does a good credit score matter even in retirement?
Feeling unsure about how credit scores impact retirement? Wondering if maintaining a good credit score still matters once you've stopped working? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he explai...
How do I get my infant on the course to great credit?
How can I help my newborn start off on the right financial path? Tune in to this episode of the Ask Ralph Show with Ralph Estep Jr. as he talks about giving your child the gift of excellent credit. How do I get my infant on t...