Book me for a consultation copy link and paste on internet browser

https://calendly.com/jorgethecreditexpert/30min?month=2025-04
or text credit to 727-497-7148 I can set it up for you

In this video, I’m breaking down the real reason auto loans are defaulting in record numbers in 2025—something most influencers, including Lucky Lopez, completely ignore.

?? This is NOT just about bad consumers or greedy lenders.
The dealerships are a HUGE part of the problem—and no one’s talking about it.

???? Why Should You Listen to Me?
I’ve approved and denied thousands of auto loans over the past 10+ years. I worked directly with dealer-submitted loan packages, structured indirect loans, and stopped fraud at the dealership level.

I’m not guessing—I’ve lived it as a Senior Consumer Loan Underwriter at places like Zion’s Bank, Arivo Acceptance, USF Credit Union, where I oversaw auto loans, recreational vehicles, unsecured lines, and more.

???? What Lucky Lopez Gets WRONG
Lucky says it’s all the borrower’s fault—or sometimes the lender.
But guess who’s missing?
???? The dealership.

???? Dealers are:

Packing loans with hidden fees and useless add-ons

Overpricing used cars way above value

Fudging income and employment to push approvals through

Exploiting first-time buyers with markups and bait-and-switch tactics

And then influencers blame the buyer for defaulting?! That’s not the whole truth.

???? Inside This Video You’ll Learn: ? How car dealerships are fueling auto loan defaults
? The shady tactics dealerships use to get consumers approved
? Why influencers like Lucky Lopez are missing key pieces of the puzzle
? How underwriting actually works behind the scenes—and what red flags WE see
? What you can do to protect yourself in 2025 when buying a car

???? Final Message
If you’re following advice from influencers with no underwriting experience, you’re playing a dangerous game.

???? Don’t fall for half-truths.
???? Learn how credit and auto loans really work from someone who’s been on the front lines.

???? Drop a comment — Have you ever felt ripped off by a dealership or gotten stuck with a bad auto loan? Let’s talk about it.

???? Subscribe for REAL finance and credit advice from a certified underwriter—not just viral opinions.

#creditrepair #credit #automobile #auto #autoloans #luckylopez

In this special Mailbag episode of the HerMoney Podcast with Jean Chatzky, we welcome back personal finance expert Dana Miranda, author of You Don’t Need a Budget, to tackle your most pressing money questions. From navigating early retirement goals to rebuilding credit post-divorce to whether or not you can justify your boutique Pilates membership, we’re getting real about money, self-care, and financial freedom.

Mailbag Questions:
01:00 “I’m 58, burnt out, and want to retire early; is $200k saved enough?”
07:00 “Should I use my 401(k) to pay off $70K in debt?”
13:00 “Can I afford to work part-time post-divorce, or do I need to look for a full-time job?”
20:00 “I make $180k and have 2 kids, is $200 a month too much for a gym membership?”

???? Buy Dana’s book: https://www.youdontneedabudget.com/

???? Subscribe for more conversations on money, mindset, and living well: [https://www.youtube.com/@HerMoney]

???? Join our women’s investing club, InvestingFixx:
https://investingfixx.com — Your first month is FREE.

???? Got money questions? Drop them in the comments or email us at mailbag@hermoney.com.

? Join the HerMoney Community! ?
????????? Get our FREE weekly newsletter with the latest money tips ? [https://hermoney.com/subscribe/]
???? Join our Investing Club ? [https://portal.investingfixx.com/s/]
???? Try our Finance Fixx Program for a complete money makeover ? [https://portal.financefixx.com/coastal/s/]

Follow the podcast:
On Apple podcasts: https://apple.co/3lyZs59
On Spotify: https://spoti.fi/3Rb4nYM
The HerMoney Instagram: https://www.instagram.com/hermoneymedia/

Listen to the podcast episode “I make $180k and have 2 kids, can I justify my $200 Pilates membership?” | Mailbag with Dana Miranda” – [https://youtu.be/2gHW4CqC7wc]
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Listen to The HerMoney Podcast while you’re on the go! [https://pod.link/1098802558]
Available wherever you listen to your favorite podcasts. New episodes drop every Wednesday.
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Take our Money Type Quiz! https://moneytype.hermoney.com/
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#Budgeting #PersonalFinance #MoneyTips #HerMoney #DanaMiranda #FinancialWellness #ConsciousSpending #MoneyMindset

Everything you need to know to choose a credit counseling agency without getting scammed. Need the 1st bankruptcy course? Sign up at https://ccadvising.com

If you’re struggling with credit you need: https://CreditRepairHacking.com/

Boost Your Score With The Following Apps:

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Looking for a new credit card? I think you’ll love a Mission Lane Visa® Credit Card. Check what you qualify for with no hit to your credit score.

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Disclaimer:
The content on this channel is for informational and educational purposes only and should not be considered financial, legal, or professional advice. Always do your own research and consult with a licensed financial advisor before making any financial decisions.

Some links in the description may be affiliate links, which means I may earn a small commission at no extra cost to you if you choose to use them. These links help support the channel and allow me to continue creating free content.

No copyright intended, all credit goes to Hollyoaks and Channel 4

PNB SO Credit Officer 2025 | How to Prepare Paper 1 Best Sources & Books | By Rahul Meena

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Some debt relief companies may try to trick you into thinking you’re working with a nonprofit consumer credit counseling service. It’s a bait and switch that can ruin your credit if you’re not careful. This video explains the questions you can ask to affirm that you’re working with a legitimate credit counseling organization.

To learn more, visit: https://bit.ly/3ik4s9F

If you’ve encountered scams as you’ve worked to get out of debt, share your story in the comments. You can also ask us questions about credit counseling if you want to know more.

———————————————————————————————
Liked this video? Subscribe here: http://www.youtube.com/subscription_center?add_user=ConsolidatedCreditCS

And remember to let us know your thoughts in the comments section below!

For more information about Consolidated Credit visit: https://www.consolidatedcredit.org/

Follow us on social media:
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At Smythe Insolvency we are trained to work with you to determine the underlying cause of your financial difficulties, as well as deal directly with your creditors. Our qualified insolvency counsellors will assist you in improving your financial management skills, and provide you with effective budgeting strategies to help you achieve your monetary goals. We will address money management issues, spending and shopping habits, and the warning signs of problems with your finances. In addition, we also provide guidance on rebuilding your credit and obtaining a fresh start.

The Truth About Credit Cards (And How They Keep You in Debt)”

???? Credit cards seem like free money—until you’re drowning in debt! Ever wondered why banks encourage you to spend with credit? The truth is, credit card companies make billions by keeping people stuck in never-ending payments and high-interest debt.

In this video, we expose how credit cards really work and what banks don’t want you to know:
?? The hidden tricks credit card companies use to make money ????
?? How minimum payments keep you in debt longer ????
?? Why interest rates and fees add up so fast ????
?? How to use credit cards wisely without falling into a debt trap ?
?? The best strategies to pay off credit card debt faster ????

???? Credit cards can be a tool or a trap—it all depends on how you use them!

???? Disclaimer: This video is for educational and entertainment purposes only and should NOT be considered financial advice. Always do your own research before making financial decisions.

???? Like & Subscribe for More Finance Explainers! Don’t forget to hit the ???? notification bell so you never miss a new video.

???? Hashtags for SEO:
#CreditCardDebt #CreditCardTricks #HowCreditWorks #FinanceExplained #MoneyMatters #FinancialEducation #PersonalFinance #DebtFreeJourney #SmartMoney #TheUltimateFinanceChannel

Y’all out here wreckin’ ya credit tryna buy a house? ??????????? Bruh, there’s a SMART way to do this! ???????? Watch & learn how to keep ya credit RIGHT! ???? #RealEstateGame #CreditHacks #BuySmart

???? Links to all service and products I provide ????

DOWNLOAD YOUR FREE BOOK: https://www.leadsmadeeasyforyou.com/freebook/?utm_source=youtube&utm_campaign=free-book&utm_content=organic

?1.) FREE REI TRAINING – “Free Webclass” : https://www.houseflipperacademy.com/5days-v2/?utm_source=youtube&utm_campaign=mini-class&utm_content=organic

?2.) Assignment of contract – this is the document I provide for free to flip houses with no money – https://leadsmadeeasyforyou.com/assignment-contract-giveaway?utm_source=youtube&utm_campaign=assignment-contract&utm_content=organic.

?3.) Lead flow chart – this is a free blueprint I provide them that shows you systems of how I manage leads to a closed deals using systemization.
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?4.) This is my coaching page – For Access to coaching
http://antonioedwardscoaching.com