I’m so excited to share this special episode with you — a front-row seat to my keynote in Georgia where I break down the truth about credit, money, and financial mastery.
In this talk, I explain how the new Vantage 4.0 and FICO 10T scoring models are transforming the mortgage industry, why “trended data” matters, and how it could help approve more loans while lowering risk. I also dive into the real story behind collections, medical debts, inquiries, and Credit Karma scores — and why one missed payment can have such a big impact on your financial future.
My passion is helping people take control of their credit, understand the algorithms behind lending decisions, and build real financial confidence. Speaking in Georgia gave me the opportunity to connect with professionals, homebuyers, and families eager to understand how credit really works — and now you can listen in too.
If you’ve ever wondered why your Credit Karma score looks different from your mortgage score or how to set yourself up for success before applying for a home loan, this episode is full of practical tips, real stories, and eye-opening truths.
 Tune in now to gain key insights on credit, money moves, and the mindset shifts that can help you build long-term wealth.
Be sure to listen, subscribe, and share this episode with anyone who could benefit from a fresh perspective on credit and financial empowerment!
 Follow me on Instagram: @micahabigailllc & @fitcreditdoctor for more financial tips and encouragement.  
 Streaming now on YouTube, Spotify, Apple Podcasts, and iHeartRadio
 New episodes drop every Wednesday @ 5:00 AM EST