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HBO and The Ringer's Bill Simmons hosts the most downloaded sports podcast of all time, with a rotating crew of celebrities, athletes, and media staples, as well as mainstays like Cousin Sal, Joe House, and a slew of other friends and family members who always happen to be suspiciously available.
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Frank Ruvalcaba from Operation Hope discussed their financial education services for underserved communities. Operation Hope, founded in 1992, provides credit and financial management programs, home buyers education, and small business coaching. Ruvalcaba emphasized the importance of accountability and commitment in their programs, which can take 3-24 months to improve credit scores. He highlighted the significance of on-time payments, which comprise 35% of a credit score, and the benefits of auto-pay. Ruvalcaba also explained the differences between soft and hard credit checks and the impact of debt consolidation on credit scores. Contact information: 404-994-9011, operationhope.org.
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