(MUSIC) OK, IT'S TIME TO TALK FINANCES.
DO YOU KNOW YOUR CREDIT SCORE?
DO YOU EVEN THINK ABOUT IT?
WELL YOU SHOULD.
OUR NEXT GUEST IS HELPING MILLIONS OF CONSUMERS
SAVE MONEY AND LIVE BETTER BY MAKING SMARTER FINANCIAL
DECISIONS.
AND JOINING US IS ADRIAN NAZARI, FOUNDER AND CEO
OF CREDITSESAME.COM, AN ONLINE CREDIT AND PERSONAL FINANCE
MANAGEMENT TOOL.
WELCOME ADRIAN, SO GLAD TO HAVE YOU HERE IN THE
STUDIO.
THANK YOU FOR HAVING ME.
OK, RIGHT OFF THE BAT WHY IS INSTANT ACCESS TO MY CREDIT AND
BEING ABLE TO MONITOR THAT SO IMPORTANT?
WELL THAT'S A GOOD QUESTION JULIE.
YOU KNOW WHAT THE OLD SAYING THAT WHAT YOU DON'T KNOW
CAN HURT YOU?
YES.
WELL WHEN IT COMES TO CREDIT AND DEBT IT CAN NOT BE MORE TRUE.
WHAT PEOPLE DON'T KNOW IS THAT CONSUMER CREDIT AND CREDIT
AWARENESS IS MUCH MORE IMPORTANT THEN THEY REALIZE.
IT IMPACTS HOW MUCH WE PAY ON INTEREST FOR
EVERYTHING WE FINANCE FROM CONSUMER LOANS, CREDIT CARDS,
MORTGAGE, YOU NAME IT.
IT IMPACTS WETHER YOU CAN GET A
PLACE TO LIVE, RENT A PLACE TO LIVE.
IT INFLUENCES THE PREMIUM YOU PAY ON YOUR INSURANCE AND
EVEN IN CERTAIN STATES WETHER YOU CAN GET A JOB YOU LIKE OR
NOT.
UM BUT WETHER WE LIKE IT OR NOT THAT'S AN INTEGRAL PART OF
OUR FINANCES AND SPECIALLY IT'S IMPORTANT TO MONITOR THAT TODAY
BECAUSE OF THE INCREASING NUMBER OF DATA BREACHES THAT MAKE
HEADLINE, CONSUMER CREDIT INFORMATION AND FINANCIAL
INFORMATION IS AT RISK.
SO YOU WANT TO BE ON TOP OF THAT.
YOU WANT TO MAKE SURE THAT YOU
PROTECT IT.
TALK ABOUT MONITORING OUR CREDIT.
THEIR ARE QUIT A FEW CHOICES OUT THERE.
WHY IS YOUR SITE SO DIFFERENT?
WELL YES, THERE ARE ALOT OF SERVICES OUT THERE.
UNFORTUNATELY ALMOST ALL OF THEM CHARGE YOU TEN TO THIRTY DOLLARS
TO GIVE YOU ACCESS TO YOUR OWN CREDIT INFORMATION AND THEY HAVE
VARYING FEATURES.
FORTUNATELY FOR CONSUMERS, THEY DON'T HAVE
TO PAY FOR THAT.
I JUST GOT AN EMAIL THE OTHER DAY THAT SAID IT COULD ACCESS
AND MONITOR FOR THIS FEE A MONTH.
EXACTLY.
YOUR SAYING I DON'T HAVE TO DO THAT?
NO YOU DON'T HAVE TO DO THAT ANYMORE.
GOOD TO KNOW.
CREDIT SESAME NOT ONLY PROVIDES YOU WITH FREE ACCESS TO YOUR
CREDIT SCORE, CREDIT INFORMATION, CREDIT MONITORING?
FREE?
FREE FREE.
BUT WE ALSO HELP YOU PROTECT YOUR CREDIT AND IDENTITY
BY OFFERING YOU $50,000 OF CREDIT OR IDENTITY THEFT
INSURANCE FOR FREE AS WELL AS IDENTITY RESTORATION SERVICES SO
IF YOUR A VICTIM OR YOU THINK YOUR A VICTIM YOU CAN GET THE
HELP YOU NEED.
WELL I WANT TO READ, YOUR CREDIT SESAME YOUR TAG LINE READS, DO
MORE WITH YOUR CREDIT SCORE.
AND WITH THE MORE WHAT DO YOU MEAN?
WELL YOU KNOW IT'S NOT IMPORTANT TO JUST KNOW YOUR SCORE.
I MEAN YOU MAY BE ABLE TO GET YOUR
SCORE FROM A VARIETY OF SOURCES.
RIGHT.
FOR MOST PEOPLE THE QUESTION IS WHAT NOW?
WHAT DO I DO WITH IT NOW?
RIGHT.
AND THAT'S WHERE CREDIT SESAME COMES IN.
WE HELP PEOPLE UNDERSTAND THEIR CREDIT, FIGURE
OUT WHAT THEY COULD DO TO LEVERAGE THAT, WE BUILT OUR
PLATFORM TO GIVE PEOPLE THE TOOLS THEY NEED TO NOT ONLY
UNDERSTAND THEIR CREDIT BUT ALSO UNDERSTAND WHAT THEY COULD DO TO
LEVERAGE THAT.
HOW THEY COULD USE THAT TO IMPROVE THEIR
FINANCES.
SAVE MONEY ON ANYTHING FROM CREDIT CARDS AND MORTGAGES
AND CONSUMER LOANDS AND NOT ONLY IMPROVE THEIR FINANCES BUT LIVE
A BETTER LIFE.
YOU KNOW, YOU PUT YOUR CONSUMERS AND I LOVE THIS IN CONTROL OF
THEIR CREDIT.
DO YOU HAVE TO DO ALOT OF THINGS TO ACCESS ALL
YOUR BENEFITS?
IN PERSONAL FINANCE IT HAS TO BE SIMPLE, IT HAS TO BE INTUITIVE
SO IF CREDIT SESAME MADE IT SIMPLE THEY MADE IT INTUITIVE.
FIRST OF ALL IT TAKES ONLY A MINUTE TO SIGN UP.
YOU GO TO CREDITSESAME.COM.
YOU CAN USE YOUR MOBILE PHONE TO SIGN UP FOR
IT.
I'M GOING THERE.
IT ONLY TAKES A COUPLE OF MINUTES.
WE ASK YOU A FEW QUESTIONS THEN YOU SIT BACK.
WE DO ALL THE WORK FOR YOU.
AND IT IS ABSOLUTELY FREE.
WHEN I SAY FREE I MEAN NO CREDIT CARD, NO
PAYMENT AND NO GIMMICK, NO TRIAL.
IT'S ABSOLUTELY FREE.
YOU DON'T HAVE TO DO MUCH, BUT
WITHIN A COUPLE OF MINUTES YOU COULD BE IN CONTROL OF YOUR
FINANCES AND SEE ALL THE BENEFITS THAT WE DESCRIBE HERE.
YOU KNOW I WANT TO KNOW YOUR OPINION, UM ADVICE ON CREDIT DOS
AND DON'TS.
WHAT YOU DON'T WANT TO DO IS YOU DON'T WANT TO IGNORE IT.
OK.
WHAT YOU DON'T WANT TO DO IS YOU DON'T WANT TO BE IN THE DARK
BECAUSE IT CAN COME AND HAUNT YOU OR IT COULD HELP YOU REACH
OR LIVE A BETTER LIFE.
SO FIRST THING YOU WANT TO DO, YOU WANT
TO BE ABLE TO ACCESS IT, THEN YOU WANT TO UNDERSTAND IT, YOU
WANT TO KNOW HOW YOU COULD IMPROVE USE THAT TO IMPROVE YOUR
FINANCES AND YOU WANT TO PROTECT THAT.
AND WITH CREDIT SESAME TO YOU CAN DO ALL OF THOSE THINGS
IN A MATTER OF A COUPLE OF MINUTES.
I LOVE THAT ADRIAN.
THANK YOU SO MUCH FOR JOINING US.
GREAT INFORMATION.
THANK YOU VERY MUCH.
ALRIGHT, IF YOU'D LIEK MORE INFORMATION ON THE WORLD OF
CREDIT SCORES VISIT US HERE AT THEBALANCINGACT.COM OR SHARE
WITH US SOME OF YOUR CREDIT SCORE EXPERIENCES BY LOGGING
ONTO FACEBOOK/THEBALANCINGACTFANS.
(MUSIC)