Most people imagine credit repair as a straight, simple climb… but the truth is far messier — and far more normal.

In this episode of My Credit Sucks, Rolando breaks down what really happens on the journey to a 700+ score. Expect honesty, humor, and real talk about the emotional side of fixing your credit — the confusion, the dips, the small wins, and the big breakthroughs.

You’ll learn:

• Why your score may drop before it rises
• What “messy middle” progress actually looks like
• How to stay motivated when the updates feel slow
• Why credit repair is more than a score — it’s a confidence rebuild

If you’ve been working on your credit and feeling stuck, discouraged, or impatient… this episode is your reminder that progress never looks perfect, but it always adds up.

You’re not your score. You’re a story still being written.

Tune in — and keep going. The breakthrough is closer than you think.

Send us a text

Have any credit questions? Feel free to send me an email to contact@mycreditsuckspodcast

Access your full credit report for $1.99 (it won't impact your scores) click here: https://www.smartcredit.com/?PID=12984

In this episode, we dive into why putting off credit repair can end up costing you far more than just a few late fees. We’ll explore the real-life impact of a low credit score—higher interest rates on loans, missed opportunities for better financing, and even the stress that comes from knowing your financial future is on shaky ground. You’ll hear stories of people who waited too long and paid the price, as well as quick wins you can tackle right now to start rebuilding. By the end of this episode, you’ll understand:

• How delaying credit repair affects your wallet (think thousands of dollars lost in interest)
• The hidden fees and penalties that sneak up when your score stays low
• Simple, actionable steps to take today—even if you think it’s “too late”

If you’ve ever wondered whether it’s worth starting credit repair now or if you’re stuck until “later,” tune in. We promise to keep it straightforward, relatable, and packed with tips you can use right away.

Send us a text

Have any credit questions? Feel free to send me an email to contact@mycreditsuckspodcast

Access your full credit report for $1.99 (it won't impact your scores) click here: https://www.smartcredit.com/?PID=12984

Confronting Credit: What Happens When You Ignore Bad Scores Ep. 20

In this episode of My Credit Sucks, we dive head‑first into the hidden costs of turning a blind eye to bad credit. Ignoring a low score doesn’t make it go away—it makes life more expensive, stressful, and limiting. We’ll walk you through:

• Why interest rates skyrocket when your score dips, and how much extra you might be paying on that car loan or credit card
• The doors that slam shut on home loans, new credit lines, rental applications, and even utilities when lenders and landlords see bad marks
• How insurers use your credit to jack up premiums—and what you can do to keep rates down
• Real‑life stressors: missed travel, paused career moves, and everyday worries that come from financial uncertainty
• Actionable steps you can take right now—checking your report, disputing errors, lowering balances, and building on‑time payment habits

Join us for an honest, jargon‑free conversation about the domino effect of bad credit—and the clear, step‑by‑step plan to turn things around. Whether you’re just starting to repair your score or you’ve been dragging your feet, this episode will give you the roadmap and motivation to take back control.

Listen in and let us help you stop ignoring your credit—and start changing your financial future.

Send us a text

Have any credit questions? Feel free to send me an email to contact@mycreditsuckspodcast

Access your full credit report for $1.99 (it won't impact your scores) click here: https://www.smartcredit.com/?PID=12984