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FICO® Score Industry Insights covers the intricacies, evolution, and developments across credit scoring, lending, economic inclusion, financial literacy and, as matters emerge in this fast-paced environment, a host of other relevant topics.
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Money Elementary

Money Elementary

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Welcome to Money Elementary, the podcast that takes you back to school to learn the personal finance lessons you never got in the classroom! Hosted by Heidi Castillo and co-host, Vanessa Hernandez, this show is your go-to resource for mastering the fundamentals of money management. Join us each week as we dive into essential topics like budgeting, saving, investing, and financial planning, all with the goal of helping you build a stronger financial future. Whether you're a recent graduate, a ...
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This podcast is intended for business professionals wanting to learn more about soft credit check technology. Listen as we interview soft credit check industry leaders and business owners who have successfully deployed soft pulls in their businesses.
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💸 Struggling with money? Join Me on the Mentally Financial podcast for a dose of financial therapy! Dive into real-life money challenges and discover practical solutions in 10 minutes or less. Every Wednesday at 6 pm, we explore ways to navigate financial hurdles, live within our means, and achieve mental and financial well-being. Don't miss out – tune in for your weekly dose of financial empowerment! 🎙️💡 #MentallyFinancial #FinancialTherapy #MoneyManagementPodcast
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For Fox Sake is a financial education and personal development podcast dedicated to deconstructing money shame, sharing money stories, and discussing the often “off-the-table” topics of life.
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We are here to educate on Personal and Business Credit, Financial Literacy, Debt Settlement and how it can work in your favor and Health and Life Insurance. Support this podcast: https://podcasters.spotify.com/pod/show/q3changinglives/support
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I love repairing credit, I am a natural “fixer”, I decided that the information I have learned should be taught to others. Running a credit rebuilding business, I am surprised at the lack of information shared, cost of money spent and the time that has been wasted. So I’m here to “save the day” by saving you money by avoiding common pitfalls during the Credit Repair process. 🤳🏾 1-800-216-8129 or 👩🏽‍💻 www.simplified-legal.com, follow me on ALL my social media accounts: IG/FB: @ShamikaSaves @S ...
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Dream Mortgage World Podcast is a co-hosted discussion about the role a mortgage loan officer has in the home buying process. Brought to you by Dream Mortgage World owner, Dorothy Williams, and her co-host, Garfield Bowen, the show covers frequently asked questions and details about obtaining financing for your dream home. If you want to stay up to date on the latest happenings in the mortgage loan industry, then Dream Mortgage World Podcast is the show for you.
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The REAL ESTATE VOICE

Vernon R.E. Jones, Managing Broker/Owner

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The most up to date real estate information for your life right now! Market data, design trends, Ideas, tips, real estate news, prognostications, credit realities, down payment assistance programs, investor information, and a whole lot more!
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Credit Repair Radio

Rondi Lambeth

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Rondi exposes what the banks, credit bureaus and collection companies don’t want you to know about your credit report, and how important your credit score actually is, on his radio show "Your Credit Matters" - Rondi Lambeth is a Certified FICO Credit Professional, Speaker and Author. He is one of the most sought after speakers because of his depth of experience and knowledge in financial and credit matters. In addition to the daily talk show, Rondi also can be heard on multiple stations acro ...
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Gabriel Brown

Gabriel Brown

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Hello my name is Gabriel Brown and I'm a Certified Fico Pro and some say a Credit Ninja! Over the past 15 years I have coached over 10,500 credit challenged individuals online, offline, through my books, my radio show and in my workshops! You may have heard of some of my advanced credit repair tactics such as: The Deficiency Balance protocol The Rolling Auto Loan Protocol The Balance Transfer Protocol The Consortium Credit Usage Protocol The Amex Card Deferred Payment Protocol The Home Zip C ...
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Check out new mortgage rates from all our partners LIVE as rate sheets are issued every morning! Hosted by Nick Hiersche - President & Founder of The Mortgage Calculator and Jose Gonzalez - Sales Manager. For more info visit https://themortgagecalculator.com About The Mortgage Calculator: The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-Q ...
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What if it's about more than just your credit score? Merrill Chandler has nearly 30 years of Fundability expertise and dives into funding secrets and shares what’s happening now in fundability, landmines to watch out for, and strategies that can help you get money that you never could before from top-tier banks. Merrill was one of the original cofounders of Lexington Law—the largest credit repair law firm in the US. He is now the Founder of The Fundability Movement, CEO of GetFundable.com (t ...
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In this conversation, Brady shares the powerful mindset shift that helped him level up: you're either learning or earning, but rarely both at once. He explains that growth often comes through discomfort, whether it’s financial loss, stress, or failure. The key is to not quit during the learning phase, as that’s what ultimately leads to the big wins…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA break down the tangled mess of inflation, recession, and stagnation using real-life examples and a sizzling restaurant analogy. MEIA explains how what feels like “just higher prices” is actually a warning sign of deeper economic shifts. They uncover how tariffs sneak up on your wallet, w…
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In this episode of "Canadian Investing in the US," host Glen Sutherland interviews Brett Henry, a real estate broker in the Dominican Republic. Originally from Saskatchewan, Canada, Brett transitioned from a 20-year career as a police officer to becoming a successful entrepreneur in real estate. He shares his journey of moving to the Dominican Repu…
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In this episode of "A Canadian Investing in the U.S.," host Glen Sutherland interviews Jonathan Nichols, co-founder of Apogee Capital, a multifamily real estate investment company based in the Dallas-Fort Worth area. Jonathan shares his journey into real estate investing, which began about seven or eight years ago with single-family rentals. Along …
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The U.S. healthcare system just got messier. Trump’s second term is rolling back DEI, reproductive rights, and public health protections. RFK Jr. is spreading vaccine misinformation, and a healthcare CEO was literally gunned down in the middle of Manhattan — and people have thoughts. This week on Hood Health Report, we break down what these major c…
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In this episode, Glen Sutherland interviews Amresh Singh, who runs Home Abroad, a firm that assists international investors in purchasing U.S. real estate. Amresh shares insights into the challenges foreign investors face and how his company provides a comprehensive solution.Key Points Discussed:Introduction to Home Abroad:Home Abroad is a one-stop…
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Mathieu Bourgouin, a Canadian real estate investor and agent from Mont-Tremblant, Quebec, started investing in the U.S. in 2014. His journey began in Florida and then expanded to Pittsburgh, including ventures in wholesaling and mobile home parks. He has now transitioned primarily to short-term rental properties in Florida.• Initial Investments: Ma…
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In this episode, Glen interviews Taha Khan, a Canadian CPA with a U.S. license, who specializes in helping Canadians navigate the complex world of cross-border taxation. The conversation is centered around real estate investors, snowbirds, and business owners who spend time or have assets in the United States.Key Topics Covered:Substantial Presence…
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In this episode of Money Elementary, Heidi, Vanessa, and MIA spill the chisME on how the Federal Reserve is quietly running the economy like a behind-the-scenes boss. MIA breaks down how interest rates, bond expirations, and the Fed’s cookie-stashing ways are either feeding or starving the economy. From loan shortages to recession red flags, the tr…
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First it was airline and concert tickets, then Ubers. Now it’s burgers, eggs, and bread?! This week, the Hood Health Report exposes the truth behind dynamic food pricing and what happens when tech meets your pantry. Spoiler alert: your wallet may already be suffering. Don't forget to like, subscribe, and comment and share the video! Stay Hood! Stay…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA spill the chisme on why the U.S. economy just shrunk for the first time in years. MEIA breaks down how panic over tariffs led to a flood of imports, which dragged down GDP like a bad breakup. From rising prices to shrinking paychecks, the trio unpacks how this economic drama affects your…
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Live from FICO World 2025, this episode dives deep into the challenges facing small business owners in today’s economy. Our guest, David Smith—an SBA insider and expert in business origination—joins host Merrill Chandler to talk about EIDL loan defaults, rising inflation, SBA lending changes, and the ripple effects of regulatory shifts at the IRS a…
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🌿 What do healing, hustle, and hibiscus have in common? This week we’re chatting with Stephanie Annette of Hackberry Tea Co., a Memphis-based herbologist blending knowledge, culture, and wellness—one tea at a time. If you think herbs are just for garnish... think again. 📺 Sip along — hit play now! Don't forget to like, subscribe, and comment and sh…
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In this episode of Money Elementary, Heidi, Vanessa, and MEIA break down the political novela that is the “Big Beautiful Bill.” MEIA dishes on how the bill promises tax cuts, border spending, and energy shakeups—but also slices away at social programs, sparking some serious side-eye from Democrats. Heidi wonders if it’s a power move or a financial …
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Alexa, Am I Sick? Are robots taking over your check-ups? This week on the Hood Health Report, we dive into the rise (and fall?) of AI-powered CarePods. Are they the future of healthcare or just tech gone too far? Tune in before your next doctor’s appointment turns into a FaceTime with a robot! Don't forget to like, subscribe, and comment and share …
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Trisha Lehane – Realtor based in Scottsdale, Arizona with RE/MAX, specializing in working with Canadian buyers and sellers.Background:Originally from Canada, Trisha has lived in Arizona for 20 years.She has deep roots in Canadian provinces like Manitoba, Saskatchewan, Alberta, BC, and Yukon.Her real estate career pivoted to working with Canadians a…
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In this episode, Glen sits down with Ian, founder of Avoca Property, for a candid and action-packed conversation about the real behind-the-scenes journey of closing a multifamily deal. From early missteps in digital marketing and investor engagement, to legal battles, PE fund bait-and-switches, and $200,000 in legal fees — Ian doesn’t hold back on …
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In this episode of "A Canadian Investing in the US," host Glen Sutherland interviews Chris Micucci, a college professor and real estate investor who began investing just over three years ago. After taking Glen's class, Chris quickly seized an opportunity presented in an email and bought his first property. Since then, he has engaged in various inve…
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In this episode, Glen Sutherland sits down with David Chris from Action to Call to explore how AI-powered virtual agents are transforming business communication. They discuss how AI can handle customer interactions, schedule appointments, and improve response times—ensuring businesses never miss a call. David shares real-world applications, includi…
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In this episode, we dive into how FrontLobby helps landlords report rent payments to credit bureaus, screen tenants, and improve rental management. Our guest explains how incorporating FrontLobby into lease agreements and rental ads can attract high-quality tenants and ensure timely rent payments.By Glen Sutherland
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The podcast episode is a deep dive into creative financing for land deals, focusing on strategies like land contracts, due diligence, and automation in the land investing business. Here’s a summary of the key points:Selling Land with Creative FinancingThe guest discusses selling land using a land contract rather than a lease option or contract for …
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In this episode, I sit down with Ian Horowitz from Equity Warehouse to discuss the journey of scaling a real estate portfolio, managing risk, and knowing when to sell. Ian shares his experience transitioning from high-risk investments in Baltimore to more stable and profitable deals in primary markets like Philadelphia.…
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In this roundtable discussion, Michael Crockett (COO, Xactus), Amber Christman (Director of Business Development), Alyson Finn (Senior Manager) - FICO’s Mortgage and Capital Markets division - and Lance Braun (Scores Marketing), discuss the pathway to FICO Score 10 T migration and the myriad benefits lenders and portfolio managers will realize leve…
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Kayla Andrade emphasizes the importance of landlords staying informed and advocating for policy changes to better support the housing industry in Ontario.She encourages collaboration with elected officials and industry experts to address issues like tenant accountability and affordable housing.Tenant Screening and Rent Reporting:Tenant screening is…
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This podcast episode of Canadian Investing in the USA features Rich Monroe, an experienced real estate investor based in Atlanta, Georgia, who focuses on short-term rentals, Airbnbs, and boutique hotels. Over his 20-year career, Rich has worked with single-family homes, multi-family properties, and hotels. His main focus has shifted toward distress…
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This episode explores the world of manufactured housing as a unique investment opportunity in the US. Glen is joined by Alden and Sean, who specialize in originating notes and investing in manufactured housing communities, providing insights into this niche market.Key Highlights1. Defining Manufactured HousingOften confused with RVs or trailers, ma…
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In this engaging episode, we sit down with Scott Kidd, a seasoned yacht manager and real estate investor, to explore the fascinating parallels between managing luxury yachts and navigating the world of real estate syndication. Scott shares valuable insights from his unique career journey, emphasizing leadership, problem-solving, and building strong…
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This podcast features a conversation with a real estate investor who specializes in the "rent-by-the-room" strategy, particularly targeting college students near major universities. The guest shares their expertise on identifying suitable properties, adapting spaces to maximize rental income, and navigating financing challenges in this niche.Key To…
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Glen Sutherland hosts Canadian Investing in the US with guest Dave Mastronardi.Dave runs a real estate investment firm in Canada focused on the southern US, particularly Florida. He is also a partner at Midfield Investments, focusing on multifamily properties in Texas.Dave's Real Estate JourneyPreviously the CEO of a large manufacturing company; tr…
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This podcast episode of "A Canadian Investing in the USA" talks about real estate investors moving into the U.S. market. The conversation touches on a variety of themes, including:Key Points:Affordability and Opportunities in U.S. Markets:Canadian investors are drawn to U.S. markets for more affordable housing, better weather, and lending products …
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In this episode of A Canadian Investing in the US, we discuss Brooke's transition from investing in Ontario to focusing on other regions and passive investing in the US.Leaving Ontario for Other MarketsBrooke moved out of Ontario's real estate market due to challenges, including:Landlord-Tenant Board (LTB): Ongoing disputes and difficulties with en…
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Guest: Raheem Madjavi, President of Knightsbridge Foreign ExchangeTopic: Currency Exchange, Interest Rates, and Economic TrendsKey Points Discussed:1. Knightsbridge FX Overviewo Knightsbridge FX specializes in currency exchange services, offering better rates than banks for buying/selling US dollars.o It's often cheaper than using traditional banks…
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This podcast interview between Glen Sutherland and Joe Fairless touches on several key insights for those looking to get into real estate investing, particularly through podcasts and attracting investors.Starting a Podcast: Joe reflects on the importance of starting a podcast to build a brand, even if the beginning is slow. He mentions how a podcas…
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This podcast highlights a variety of key aspects of real estate investing, particularly the strategic considerations in Alberta compared to Ontario. Here's a summary and analysis:Why Alberta?Tenant Laws: Alberta's landlord-tenant regulations are much more favorable compared to Ontario's, where eviction processes can be long and cumbersome.Market Dy…
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Inflationary pressures affect the costs of all items and services. What does the CPI measure? Where does the Denver Metro area compare nationally to other cities? What is the highest it has been? What has it been year-over-year? Listen up. The Real Estate Voice podcast.By Vernon R.E. Jones, Managing Broker/Owner
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In this weeks episode we discuss working with partners and scaling through joint ventures or syndications. When you're managing other people's money, you’re not just managing dollars and cents; you’re managing trust, expectations, and relationships. Mismanagement of these can lead to more than just financial losses—it can harm your reputation, whic…
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This podcast episode discusses Wendy Russell and Mike Moroz's experience with Canadian investing in U.S. real estate. Here’s a breakdown of key points:Investment Background: Wendy and Mike started investing in Canada over 25 years ago and expanded into the U.S. in 2010. They’ve invested in various properties, including multifamily homes, single-fam…
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Nathan Payne, shares his experience with virtual wholesaling, emphasizing that it can be done from anywhere, including internationally. He explains the process, noting that the key is solving the seller's problem—whether it's a distressed property or a situation like foreclosure or troublesome tenants.Here are some key insights from the conversatio…
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This week on "A Canadian Investing in the USA Ben Humble shares his journey from being a refugee from Romania to building a successful career in real estate. Key points include:Background:Born in Romania, his family fled communism in 1989, eventually settling in Canada.Initially pursued a music career but shifted to real estate after recognizing th…
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Get more understanding of your credit scores and the FICO model they use. Their history and their range is valuable for you to know to have your credit score be a powerful financial tool in your life. The better your credit score the more options you have. The REAL ESTATE VOICE podcast.By Vernon R.E. Jones, Managing Broker/Owner
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Darcy discusses Halloween horror stories in the context of real estate, particularly focusing on property management challenges. They emphasize the heightened alert around events like Halloween and long weekends due to potential property damage caused by rowdy behavior.The speaker shares personal experiences, admitting to making poor decisions in m…
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In this episode of Daily Mortgage Rates LIVE, we focus on Limited-Review Condo Loans, a specialized financing option designed for buyers looking to purchase condos without going through the full, often complex, condo project review process. Limited-Review Condo Loans streamline the approval process, making it faster and easier for qualified borrowe…
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Frederick is a real estate investor who moved to Canada in 2021 and focuses on property investments in both the U.S. and Canada. His investment strategy prioritizes cash flow over appreciation, using a "buy and hold" approach, often involving creative financing like seller financing. He has invested in U.S. markets such as Texas, Michigan, Ohio, an…
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In this episode of Daily Mortgage Rates Live, we take a deep dive into Bank Statement Loans, a flexible mortgage option designed for self-employed individuals, freelancers, and those with non-traditional income streams. If you’ve ever struggled with qualifying for a mortgage because your tax returns don’t reflect your true income, this episode is f…
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In this episode of Daily Mortgage Rates Live, we’re shedding light on Foreign National Borrower Loans—a specialized lending option for non-U.S. citizens looking to invest in or purchase property in the United States. With real estate being one of the most sought-after investments, especially for international buyers, understanding the ins and outs …
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In this insightful episode of Daily Mortgage Rates Live, we’re tackling an important yet often overlooked topic in the mortgage world—ITIN Borrower Loans. These loans cater to individuals who lack a Social Security Number but hold an Individual Taxpayer Identification Number (ITIN), offering a critical pathway to homeownership for non-U.S. citizens…
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This conversation with Megan highlights the importance of treating real estate investing as a business, emphasizing the need for systems and processes to manage operations efficiently, especially when starting with a smaller portfolio. Here are some key points:Business Structure: Investors should break their operations into key areas like accountin…
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