 |
Kat WalksAuthor: Katrina Ghazarian
Welcome to Kat Walks . Ive found that my best ideas, perspectives, and moments of bliss have presented mostly while walking outside. I wanted to create 5 to 15 minutes of content specific for those calling in something to listen to whilst on their own walks (you can also read these transcriptions in newsletter form). Part rant, part revelation - its completely unscripted and off the cuff. You can subscribe to my Substack https://katghazarian.substack.com/ for free or as a paid subscriber, youll also get access to various forms of content such as video conversations, long-form writing & audio content, templates, tutorials, tactical guides, eBooks, and whatever else my pants fancy. Language: en-us Genres: Business, Careers, Personal Journals, Society & Culture Contact email: Get it Feed URL: Get it iTunes ID: Get it |
Listen Now...
On Fixing My Credit: Part 1
Episode 13
Tuesday, 15 July, 2025
Episode Summary In this episode of Kat Walks, I’m walking you through one of the hardest and most humbling experiences of my adult life—how I went from a credit score in the low 500s to 795.This is Part 1 of my credit story. I share how I ended up with bad credit, what it cost me, and the exact step-by-step process I used to start rebuilding. From the Capital One card I opened at 18, to the $5,000 personal loan I took out for a now long-gone ex, to the shame, dependency, and fear I carried for nearly a decade—I’m sharing all of it.This episode is for anyone who’s been silently struggling with their finances, and especially for those who are ready to start fixing it—without shame.What You’ll Hear in This EpisodeWhy I was in credit card debt by 20The moment everything fell apart during the 2008 financial crisisHow my credit dropped into the 500s and stayed there for 8 yearsThe real cost of bad credit: housing, cars, phones, and career opportunitiesHow I pulled all three of my credit reports and started the dispute processWhy small debts under $1,000 often fall off when challengedHow I negotiated directly with creditors to pay off what remainedWhat a secured credit card is and why it was the game-changer for meHow I got approved for my first real credit card after years of denialWhy I believe there’s no shame in starting over—just power in startingResources MentionedAnnualCreditReport.com – Pull your free credit report from all three bureausSecured credit cards – Ask your bank or credit union if they offer oneDebt settlement (DIY vs. using a service—what I chose and why)Next Up In Part 2 (for paid subscribers on Substack), I’ll share how I went from good to great—reaching a credit score of 795 and learning how to keep it there. We’ll go deeper into credit card strategy, utilization, points, and handling debt when life happens again.Subscribe & Stay Connected If you’re not already subscribed, join me on Kat Walks on Substack to get more episodes like this, behind-the-scenes tools, and full access to Part 2 of this series.Paid subscribers will also receive bonus content like downloadables, guides, and tools I personally use to run my life and business.
