In this episode of the Ask Ralph Show, Ralph Estep Jr. responds to Jennifer’s emotional struggle with her 765 credit score and her obsession with reaching 800. He explains why fixating on perfect numbers can block financial progress and spiritual blessings. Drawing from his experience as a credit union executive, Ralph introduces the three C's of credit—Character, Capacity, and Collateral—and how they impact financial decisions. He also shares practical steps to achieve peace with your finances, focusing on faith and stewardship. Plus, Ralph previews upcoming topics, including critical cybersecurity tips, new tax issues set for 2025, and whether an 800 credit score is truly worth the hype.
https://www.askralphpodcast.com/800-credit-score/
Podcast Timestamps:
00:00 Episode Overview
01:48 Jennifer's Heartfelt Message
03:56 Biblical Perspective on Financial Anxiety
07:55 Understanding the Three C's of Credit
15:48 Call to Action
17:22 Action Steps for Financial Peace
22:26 Final Thoughts
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