Ron Siegel Radio featuring Sarah Perkins

Unveiling the Mysteries of Credit Scores and Financial Wisdom with Ron Siegel

Are you navigating the complex world of credit scores and financial planning? Dive into the expert insights shared on Ron Siegel's Home and Finance Radio Show. Discover the truth behind credit reporting, the impact of financial decisions, and strategies for securing your financial future.

Credit Scores: The Unseen Anchor of Your Financial Ship

Your credit score is more than just a number; it's a reflection of your financial reliability. But did you know that credit reports are often riddled with inaccuracies? Ron Siegel, in his enlightening discussion with Sarah Perkins from Blue Water Credit, reveals a startling fact: even a score as high as 834 can have errors.

Understanding Re-aging and Statute Limitations

Siegel and Perkins dive into the concept of 'reaging' – a critical factor affecting your credit score. Reaging occurs when the date of first delinquency on a debt is unlawfully changed, often leading to prolonged negative marks on your credit report. The duo emphasizes the importance of understanding the statute of limitations and how making even a small payment can reset this clock, inadvertently prolonging your financial woes.

The Role of Debt in Credit Reporting

The conversation also sheds light on the murky practices of debt collectors and the legalities surrounding debt ownership and disputes. Perkins highlights a crucial point: disputing inaccuracies is paramount, but navigating these disputes requires expertise, especially when it involves complex issues like bankruptcy reporting.

Empowering the Next Generation: Building Credit Early

A key takeaway from the show is the importance of early financial education. Siegel discusses strategies for helping minors build a credit profile, such as adding them as authorized users on credit cards. This proactive approach can set them on a path to financial success from a young age.

The Impact of Financial Decisions on Your Credit Score

Understanding the implications of paying off loans and managing credit card debt is vital. Siegel emphasizes the fine balance between paying down debts and maintaining a healthy credit mix, crucial for optimizing credit scores.

Bottomline: Take Control of Your Financial Destiny

Don't let financial confusion hold you back. Watch the full video replay of Ron Siegel's radio show for in-depth insights and actionable advice. Take control of your financial future, and remember, for any mortgage needs or queries, Ron Siegel and his team are your go-to experts.

For more insights and personalized advice, don't hesitate to contact me directly or visit Let's turn knowledge into action.



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My name is Ron Siegel, Radio Host and Branch Manager at Geneva Financial. And I'm dedicated to helping homebuyers like you get pre-approved on your mortgages across America. Whether you're purchasing, refinancing, downsizing, buying a rental, or even your first mortgage, we got you covered. Specifically, I'm licensed in these states: California, Idaho, and Texas. Our Company is licensed in 48 States. For more licensing information, please visit

The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative. Geneva Financial LLC. All rights reserved. NMLS ID# 42056 ( Equal Housing Opportunity. This information is not intended to be an indication of loan qualification, loan approval, commitment to lend, or offer to enter into an agreement. Loans are subject to credit and property approval. Not all customers will qualify. Information, rates, terms, and availability of programs are subject to change without notice. Not all products are available in all states or for all dollar amounts. If you are refinancing your existing loan, your total finance charges may be higher over the life of the loan. VA loans subject to VA eligibility. Other restrictions and limitations apply.


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"Ron has amazing insight into the financial and real estate markets."

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"Great services. Communicative , well educated and was very helpful overall. Highly recommend"

samantha dalby

"Looking forward to partnering with Ron for our community event (Open House on June 23rd, 2024) at American Legion Post 132!"

diana trujillo