{"id":12730,"date":"2020-12-07T03:13:00","date_gmt":"2020-12-07T08:13:00","guid":{"rendered":"https:\/\/marriagekidsandmoney.com\/?post_type=podcast&#038;p=12730"},"modified":"2023-02-15T16:08:33","modified_gmt":"2023-02-15T21:08:33","slug":"increase-your-credit-score-after-debt-free","status":"publish","type":"podcast","link":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/","title":{"rendered":"How to Increase Your Credit Score (After Becoming Debt-Free)"},"content":{"rendered":"\n<p>Have you recently paid off your debt and noticed your credit score drop? <\/p>\n\n\n\n<p>This recently happened to Christin from Detroit after becoming debt-free over the past 10 years following the Dave Ramsey plan. Her score went from 850 to 620 and she's disappointed. She loves the idea of being debt-free but wants the option to get loans in the future as she's interested in investing in rental properties. <\/p>\n\n\n\n<p>She reached out to share her story and ask for advice on how you can increase your credit score after becoming debt-free. <\/p>\n\n\n\n<p>As someone who has plunged headfirst into the world of debt-free, I know exactly how Christin is feeling.&nbsp;<\/p>\n\n\n\n<p>It\u2019s awesome to become completely debt-free, but what if you want to get a loan in the future for something like a rental property. Having a credit score is necessary.&nbsp;<\/p>\n\n\n\n<p>My wife and I went credit card free for 5 years! We eventually realized that our spending didn\u2019t change much at all between debit cards and credit cards. <\/p>\n\n\n\n<p>So we went back to credit cards. We started earning points, miles and rewards again and alas, we didn\u2019t fall into a pit of spending despair. We\u2019re alive and well. And we got some free vacations out of it.&nbsp;<\/p>\n\n\n\n<p>Lately, we\u2019ve found a balance of just having one credit card each, and we\u2019re happy. We get our points. Our credit scores are in the 700\u2019s and if we want to get into investing in rental properties like Christin, we have that option.&nbsp;<\/p>\n\n\n\n<p>It sounds like Christin enjoys being debt-free and all the great benefits that come with it. So how can you remain completely debt-free and maintain an excellent credit score?<\/p>\n\n\n\n<p>Here\u2019s what I would suggest.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"wpbf-responsive-embed\"><iframe loading=\"lazy\" title=\"How to Increase Your Credit Score [After Becoming Debt Free]\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/R_bnZDRAGIM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">1. Sign Up for a Credit Card<\/h2>\n\n\n\n<p>With some discipline and responsibility, I believe you can remain debt free with a credit card and get some perks along the way.<\/p>\n\n\n\n<p>With a credit score in the 600\u2019s, you may need to shop around for cards that fit that range. Even if you are financially well off, you may get rejected from some cards that require \u201cExcellent\u201d credit. It sounds dumb because it is!<\/p>\n\n\n\n<p>But we have to remember this is essentially a borrowing score. It's basically gauging how good we are at borrowing.&nbsp;<\/p>\n\n\n\n<p>So if we want to borrow more, then we need to play their little game.&nbsp;<\/p>\n\n\n\n<p>I\u2019m a big fan of the <a href=\"https:\/\/marriagekidsandmoney.com\/quicksilver\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Capital One Quicksilver<\/a> Credit Card. From my research, it looks like you may be eligible if your credit score is in the 600 range. <\/p>\n\n\n\n<p>I like it because Capital One\u2019s interface is very user-friendly, you get 1% cashback on all purchases and it has no annual fee.&nbsp;<\/p>\n\n\n\n<p>I\u2019ve had the Quicksilver card for a few years now. I dig it.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Put a Small Recurring Charge on that Card&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/netflix.jpeg?resize=800%2C400&#038;ssl=1\" alt=\"netflix\" class=\"wp-image-12731\" srcset=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/netflix.jpeg?w=800&ssl=1 800w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/netflix.jpeg?resize=300%2C150&ssl=1 300w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/netflix.jpeg?resize=768%2C384&ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Are you a Netflix or Spotify subscriber? Or anything that\u2019s like $10 &#8211; $30 per month?<\/p>\n\n\n\n<p>Take that monthly recurring charge and pay for it with your new credit card.&nbsp;<\/p>\n\n\n\n<p>I got this tip from <a href=\"https:\/\/marriagekidsandmoney.com\/podcast\/69-build-credit-without-credit-card\/\">Whitney Hansen<\/a>. So simple. So genius. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Set Up Auto Payment<\/h2>\n\n\n\n<p>By setting up an auto payment, you are ensuring you\u2019ll never forget to pay this card each month.&nbsp;<\/p>\n\n\n\n<p>And when you make consistent, regular and on-time payments, you\u2019ll develop a good payment history on your credit reports once again.&nbsp;<\/p>\n\n\n\n<p>Your <a href=\"https:\/\/www.myfico.com\/credit-education\/whats-in-your-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">payment history makes up <strong>35% of your credit score<\/strong><\/a> so it\u2019s THE most important element of your credit score.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Keep your Credit Utilization Low<\/h2>\n\n\n\n<p>Another big factor in your credit score is your credit utilization. That\u2019s how much of your available credit that you\u2019re actually using. This makes up 30% of your score. <\/p>\n\n\n\n<p>So for example, if you have a $10,000 limit on your new credit card and you\u2019re using $9,000 each month, that\u2019s a high utilization and you\u2019ll get dinged for that.&nbsp;<\/p>\n\n\n\n<p>Try to keep your utilization below 30%. So again, if you have&nbsp;a $10,000 limit, then keep your spending to less than $3,000.&nbsp;<\/p>\n\n\n\n<p>If this is an issue, ask for a limit increase after you\u2019ve had the card for a while.&nbsp;<\/p>\n\n\n\n<p>Between making timely and consistent payments and keeping your utilization low, that\u2019s 65% of your score!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Understand the Other Factors of Your Credit Score<\/h2>\n\n\n\n<p>There are 3 other factors that make up your credit score and they are as follows:<\/p>\n\n\n\n<ul>\n<li><strong>Credit Age<\/strong> (15%): This takes into account how long you\u2019ve been borrowing and the average age of your loans<\/li>\n\n\n\n<li><strong>New credit <\/strong>(10%): They want to make sure you\u2019re not taking out a bunch of new credit in a short period of time. If you are, this can affect your score.&nbsp;<\/li>\n\n\n\n<li><strong>Credit mix<\/strong> (10%):&nbsp; This factors in the different type of credit you have<\/li>\n<\/ul>\n\n\n\n<p>So, it\u2019s not just one factor that makes up your credit score, it\u2019s 5 factors!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Track Your Credit Score and Report<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/credit-score-check.jpg?resize=800%2C400&#038;ssl=1\" alt=\"check credit score\" class=\"wp-image-12732\" srcset=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/credit-score-check.jpg?w=800&ssl=1 800w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/credit-score-check.jpg?resize=300%2C150&ssl=1 300w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/credit-score-check.jpg?resize=768%2C384&ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sign up for a free service like <a href=\"https:\/\/marriagekidsandmoney.com\/creditsesame\" target=\"_blank\" rel=\"noreferrer noopener\">Credit Sesame<\/a> to track your score progress. They will help you with credit monitoring too which is helpful in this digital day and age.&nbsp;<\/p>\n\n\n\n<p>Recently, the FTC cracked down on a debt collector that planted about <a href=\"https:\/\/www.latimes.com\/business\/story\/2020-12-03\/column-debt-parking\" target=\"_blank\" rel=\"noreferrer noopener\">$100 million worth of fake debt in people's credit files<\/a>! So we need to be hyper-vigilant to make sure what is actually on our report is real.<\/p>\n\n\n\n<p>You can get a free report each year through <a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">annualcreditreport.com<\/a> as well. So stay on it and make sure your information is safe and accurate!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">7. Wait for your Credit Score to Increase&nbsp;<\/h2>\n\n\n\n<p>Your <a href=\"https:\/\/www.cnbc.com\/2019\/09\/14\/heres-how-long-it-takes-to-improve-your-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit score increase could take around 3 months<\/a> if you don\u2019t have any late payments, defaults, or bankruptcies on your record.<\/p>\n\n\n\n<p>Over time, your credit age (which makes up 15% of your score) will improve and you\u2019ll build that score back up to the 700\u2019s or 800\u2019s.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts on How to Increase Your Credit Score (After Becoming Debt-Free)<\/h2>\n\n\n\n<p>If you want to keep rocking that Dave Ramsey party and stay completely debt free for life, you can skip all these steps. If you did want to buy a new home or a rental property in the future like Christin, you can just save up a boatload of money and <a href=\"https:\/\/marriagekidsandmoney.com\/podcast\/how-i-bought-20-rental-properties-in-cash-with-rich-carey\/\">buy a home in cash<\/a>.&nbsp;<\/p>\n\n\n\n<p>Personally, I\u2019d like to have the option. It is a bit of work to get that credit score back up, but it could be worth it for you. <\/p>\n\n\n\n<p>There are many benefits to complete debt freedom and there's also a beauty in leaving yourself options with a high credit score. In the end, it\u2019s up to you!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><strong>What do you think? Do you think it's important to have an excellent credit score after becoming debt-free? <\/strong><\/p>\n\n\n\n<p><strong>Or is it better for forget your credit score altogether?<\/strong><\/p>\n\n\n\n<p><strong>Please let us know in the comments below.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/Copy-of-million.jpg?resize=683%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-12736\" srcset=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/Copy-of-million.jpg?resize=683%2C1024&ssl=1 683w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/Copy-of-million.jpg?resize=200%2C300&ssl=1 200w, https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/Copy-of-million.jpg?w=735&ssl=1 735w\" sizes=\"(max-width: 683px) 100vw, 683px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sponsor and Recommended Tools<\/h2>\n\n\n\n<p><a href=\"http:\/\/personalcapital.com\/mkm\" target=\"_blank\" rel=\"noreferrer noopener\">Personal Capital<\/a>: Get a net worth tracker, cash flow planner and many other tools \u2026 all for the price of FREE.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">MKM PODCAST RESOURCES<\/h4>\n\n\n\n<ul>\n<li><a rel=\"noreferrer noopener\" href=\"https:\/\/marriagekidsandmoney.com\/community\" target=\"_blank\">Thriving Families Facebook Group<\/a>:&nbsp; Join our new FREE Facebook Community!<\/li>\n\n\n\n<li><a rel=\"noreferrer noopener\" href=\"https:\/\/marriagekidsandmoney.com\/coaching\" target=\"_blank\">One-on-One Coaching<\/a>: Schedule your FREE 15-minute discovery call with Andy to help you on your Young Family Wealth journey!<\/li>\n\n\n\n<li><a href=\"https:\/\/marriagekidsandmoney.com\/contact\/\">Corporate Financial Wellness Presentation<\/a>: Contact me to discuss how I can support your company's overall financial wellness.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">CARPE DIEM QUOTE<\/h4>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cReal change, enduring change, happens one step at a time.\u201d<\/p>\n<cite><strong><em><strong><em><strong><em><strong><em>\u2015<\/em><\/strong><\/em><\/strong><\/em><\/strong><\/em><\/strong>&nbsp;<strong><em><strong><em><strong><em><strong><em>Ruth Bader Ginsburg<\/em><\/strong><\/em><\/strong><\/em><\/strong><\/em><\/strong><\/cite><\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n","protected":false},"author":3,"featured_media":12733,"comment_status":"open","ping_status":"closed","template":"","epcats":[675],"eptags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Increase Your Credit Score (After Becoming Debt-Free)<\/title>\n<meta name=\"description\" content=\"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Increase Your Credit Score (After Becoming Debt-Free)\" \/>\n<meta property=\"og:description\" content=\"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/\" \/>\n<meta property=\"og:site_name\" content=\"Marriage Kids and Money\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/andyhillmkm\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-15T21:08:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Facebook.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"698\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Twitter.jpeg?fit=1024%2C512&ssl=1\" \/>\n<meta name=\"twitter:site\" content=\"@andyhillmkm\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/\",\"url\":\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/\",\"name\":\"How to Increase Your Credit Score (After Becoming Debt-Free)\",\"isPartOf\":{\"@id\":\"https:\/\/marriagekidsandmoney.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1\",\"datePublished\":\"2020-12-07T08:13:00+00:00\",\"dateModified\":\"2023-02-15T21:08:33+00:00\",\"description\":\"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage\",\"url\":\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1\",\"width\":1200,\"height\":675,\"caption\":\"Happy woman at laptop\"},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/marriagekidsandmoney.com\/#website\",\"url\":\"https:\/\/marriagekidsandmoney.com\/\",\"name\":\"Marriage Kids and Money\",\"description\":\"Strengthen your family tree and live financially free.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/marriagekidsandmoney.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How to Increase Your Credit Score (After Becoming Debt-Free)","description":"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/","og_locale":"en_US","og_type":"article","og_title":"How to Increase Your Credit Score (After Becoming Debt-Free)","og_description":"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.","og_url":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/","og_site_name":"Marriage Kids and Money","article_publisher":"http:\/\/www.facebook.com\/andyhillmkm","article_modified_time":"2023-02-15T21:08:33+00:00","og_image":[{"width":1200,"height":698,"url":"https:\/\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Facebook.jpeg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_image":"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Twitter.jpeg?fit=1024%2C512&ssl=1","twitter_site":"@andyhillmkm","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/","url":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/","name":"How to Increase Your Credit Score (After Becoming Debt-Free)","isPartOf":{"@id":"https:\/\/marriagekidsandmoney.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage"},"image":{"@id":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1","datePublished":"2020-12-07T08:13:00+00:00","dateModified":"2023-02-15T21:08:33+00:00","description":"Looking to increase your credit score after becoming debt-free? Here are 7 steps to increase your credit score after paying off all your debt.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/marriagekidsandmoney.com\/podcast\/increase-your-credit-score-after-debt-free\/#primaryimage","url":"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1","contentUrl":"https:\/\/i0.wp.com\/marriagekidsandmoney.com\/wp-content\/uploads\/2020\/12\/How-to-Increase-Your-Credit-Score-After-Becoming-Debt-Free-Wordpress.jpeg?fit=1200%2C675&ssl=1","width":1200,"height":675,"caption":"Happy woman at laptop"},{"@type":"WebSite","@id":"https:\/\/marriagekidsandmoney.com\/#website","url":"https:\/\/marriagekidsandmoney.com\/","name":"Marriage Kids and Money","description":"Strengthen your family tree and live financially free.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/marriagekidsandmoney.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/podcast\/12730"}],"collection":[{"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/types\/podcast"}],"author":[{"embeddable":true,"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/comments?post=12730"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/media\/12733"}],"wp:attachment":[{"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/media?parent=12730"}],"wp:term":[{"taxonomy":"epcats","embeddable":true,"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/epcats?post=12730"},{"taxonomy":"eptags","embeddable":true,"href":"https:\/\/marriagekidsandmoney.com\/wp-json\/wp\/v2\/eptags?post=12730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}