Top Credit Myths Debunked: Improve Your Credit Scores with Expert Advice (Episode 15) #CreditChatLive

In this episode of #CreditChat Live, hosts Christina Roman, Consumer Education and Advocacy Manager at Experian, and Rod Griffin, Senior Director, Consumer Education and Advocacy at Experian, delve into the world of credit myths, debunking common misconceptions that can negatively impact your financial decisions. Rod, with over 25 years of experience in consumer education, sheds light on why myths like “checking your credit score hurts it” and “carrying a balance improves your score” persist despite being false. The discussion covers a range of topics, from the truth about missed payments and collection accounts to the significance of understanding how credit scores actually work. Whether you’re navigating medical debts or pondering the importance of credit monitoring, this episode is packed with insights to help you make informed credit decisions!

You can subscribe to the #CreditChat Live podcast on Spotify, Apple Podcasts, Amazon Audible, iHeart Radio, Google Play, Deezer, and YouTube.

#CreditChat Live is a podcast series hosted by Experian, featuring expert insights on a variety of financial topics, from credit scores to debt management. Join co-hosts Rod Griffin, Christina Roman, and Destiny White for enlightening discussions aimed at empowering you to achieve financial success. Join us in our evolution from the decade-long #CreditChat on X, hosted every Wednesday at 3 p.m. ET. Follow @Experian on X and @ExperianNews on Facebook & TikTok for updates!

Check out the full video episode here!

About Christina Roman

Christina Roman is Experian’s Consumer Education and Advocacy Manager. She is passionate about financial literacy and is responsible for Experian’s Education Ambassador Program – an employee advocacy program that provides credit education to Experian employees with the goal of empowering them to teach credit fundamentals in their local communities. Christina serves as an expert spokesperson on consumer issues, including credit reporting, credit scoring, saving and other personal finance topics.

Additionally, Christina helps with the development of Experian’s free educational materials, including Ask Experian – the industry’s first online consumer credit advice column. Christina utilizes her social media background to provide guidance on Experian’s various educational social media initiatives, including #CreditChat – a weekly Twitter event with financial experts every Wednesday at 3 p.m. EST. You can find Christina on LinkedIn and on Twitter at @Teena_LaRo.

About Rod Griffin

Rod Griffin is the Senior Director of Consumer Education and Advocacy at Experian, overseeing their national consumer education program. With over 25 years of experience in the credit industry, he is an expert on credit reporting, credit scoring, and identity theft. He frequently appears in national media and speaks at financial literacy events.

Griffin leads financial literacy initiatives, conducts training across the U.S., and pioneered Experian’s consumer education efforts, including launching the industry’s first online credit advice blog, “Ask Experian.” He also co-hosts Experian’s weekly #CreditChat on X.

He serves on the Jump$tart Coalition’s Board of Directors and has been recognized as one of BadCredit.org’s 10 Most Influential Credit Score Experts for 2024. Griffin is also a co-author of “Credit Repair Kit for Dummies – 5th edition.”

He holds a journalism degree from the University of Kansas, a Fair Credit Reporting Act certification, and is a Certified Financial Counselor.