“Everyone deserves financial opportunity, and credit knowledge is power."
jimkatzaman.substack... #CreditChat
featuring @experian-us.bsky.social
jimkatzaman.substack... #CreditChat
featuring @experian-us.bsky.social
Build Better Credit Without Waiting
Steady money choices lead to real financial progress
jimkatzaman.substack.com
January 7, 2026 at 9:00 PM
“Everyone deserves financial opportunity, and credit knowledge is power."
jimkatzaman.substack... #CreditChat
featuring @experian-us.bsky.social
jimkatzaman.substack... #CreditChat
featuring @experian-us.bsky.social
1/10: Your #1 healthy habit might be knowing when NOT to check your account.
🚫 67% of us check our bank accounts when stressed, but it increases anxiety 40% of the time. #CreditChat
🚫 67% of us check our bank accounts when stressed, but it increases anxiety 40% of the time. #CreditChat
September 17, 2025 at 8:31 PM
1/10: Your #1 healthy habit might be knowing when NOT to check your account.
🚫 67% of us check our bank accounts when stressed, but it increases anxiety 40% of the time. #CreditChat
🚫 67% of us check our bank accounts when stressed, but it increases anxiety 40% of the time. #CreditChat
🧵 Missed the @Experian #CreditChat on money & mental health? We got real about the anxiety, the FOMO spending, and how to break the cycle.
Here are the 10 biggest takeaways (and the stats that will shock you):
Here are the 10 biggest takeaways (and the stats that will shock you):
September 17, 2025 at 8:31 PM
🧵 Missed the @Experian #CreditChat on money & mental health? We got real about the anxiety, the FOMO spending, and how to break the cycle.
Here are the 10 biggest takeaways (and the stats that will shock you):
Here are the 10 biggest takeaways (and the stats that will shock you):
Q4 is coming 👀 Time to get our financial minds right.
#CreditChat on X starts in 1 hour.
We're talking FOMO spending, denial, and how to break the cycle.
Bring your real talk.
@experian
Join me and the panel:
@Kembala
@RahkimSabree
@itsmymoney_
@Lawrence_Sprung
@taynelawgroup
@creditscoop
#CreditChat on X starts in 1 hour.
We're talking FOMO spending, denial, and how to break the cycle.
Bring your real talk.
@experian
Join me and the panel:
@Kembala
@RahkimSabree
@itsmymoney_
@Lawrence_Sprung
@taynelawgroup
@creditscoop
September 17, 2025 at 6:01 PM
Q4 is coming 👀 Time to get our financial minds right.
#CreditChat on X starts in 1 hour.
We're talking FOMO spending, denial, and how to break the cycle.
Bring your real talk.
@experian
Join me and the panel:
@Kembala
@RahkimSabree
@itsmymoney_
@Lawrence_Sprung
@taynelawgroup
@creditscoop
#CreditChat on X starts in 1 hour.
We're talking FOMO spending, denial, and how to break the cycle.
Bring your real talk.
@experian
Join me and the panel:
@Kembala
@RahkimSabree
@itsmymoney_
@Lawrence_Sprung
@taynelawgroup
@creditscoop
Tomorrow! I'm joining an incredible panel for #CreditChat to discuss stopping financial freefall. 🚀
You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET.
#PersonalFinance #Experian
You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET.
#PersonalFinance #Experian
September 16, 2025 at 7:38 PM
Tomorrow! I'm joining an incredible panel for #CreditChat to discuss stopping financial freefall. 🚀
You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET.
#PersonalFinance #Experian
You'll learn how to identify unhealthy money behaviors & get actionable advice. Bring your questions for us! Sept 17, 3-4 PM ET.
#PersonalFinance #Experian
Heads up. In a few hours, I'll be joining a great panel for #CreditChat hosted by @Experian, talking about a topic that causes a ton of stress: building an emergency fund when stretched thin.
I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
July 9, 2025 at 3:33 PM
Heads up. In a few hours, I'll be joining a great panel for #CreditChat hosted by @Experian, talking about a topic that causes a ton of stress: building an emergency fund when stretched thin.
I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
I'm sharing some real stories and tips from my 30 yrs. Hope to see you there on X/Twitter at 3 PM ET!
“Don’t let your money just sit in your checking account earning no interest."
tealfeed.com/ofrefun... #CreditChat
featuring @experian-us.bsky.social
tealfeed.com/ofrefun... #CreditChat
featuring @experian-us.bsky.social
April 2, 2025 at 7:00 PM
“Don’t let your money just sit in your checking account earning no interest."
tealfeed.com/ofrefun... #CreditChat
featuring @experian-us.bsky.social
tealfeed.com/ofrefun... #CreditChat
featuring @experian-us.bsky.social
Loved this #CreditChat? Do me a favor: Like, Retweet, and Bookmark this thread to help spread the word!
And drop a comment below with your biggest takeaway! 👇
Let's keep the conversation going!
And drop a comment below with your biggest takeaway! 👇
Let's keep the conversation going!
February 26, 2025 at 8:56 PM
Loved this #CreditChat? Do me a favor: Like, Retweet, and Bookmark this thread to help spread the word!
And drop a comment below with your biggest takeaway! 👇
Let's keep the conversation going!
And drop a comment below with your biggest takeaway! 👇
Let's keep the conversation going!
That's a wrap on our #CreditChat!
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
February 26, 2025 at 8:56 PM
That's a wrap on our #CreditChat!
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
Huge thanks to @Experian for hosting, and to all of you for participating!
I hope you found this helpful and maybe even a little fun. 😉
(A10) #CreditChat
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
February 26, 2025 at 8:50 PM
(A10) #CreditChat
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
If you are getting a tax refund, how can you use it to help you reach your financial goals?
Tax Refund Strategies! 💰
A refund is essentially an interest-free loan you gave the government.
But it can be a great opportunity to boost your finances! #CreditChat #TaxRefund
(A9) #CreditChat #W4Form @Experian
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
February 26, 2025 at 8:46 PM
(A9) #CreditChat #W4Form @Experian
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
How can adjusting your tax withholdings throughout the year impact your next tax return?
Adjusting Your Withholdings! ⚙️
This is all about Form W-4, which you give to your employer.
It determines how much federal income tax is withheld from your paycheck.
(A8) #CreditChat #AuditRisk @Experian
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
February 26, 2025 at 8:41 PM
(A8) #CreditChat #AuditRisk @Experian
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
What are some common red flags that might trigger an IRS audit?
IRS Audit Red Flags! 🚩
While the overall audit rate is low (less than 1% for individuals), certain things can increase your chances. Unreported income is a BIG one.
(A7) #CreditChat #IdentityTheft @Experian
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
February 26, 2025 at 8:35 PM
(A7) #CreditChat #IdentityTheft @Experian
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
How can you protect yourself from tax-related identity theft and scams?
Tax Identity Theft! 🛡️It's a real threat.
Protect your Social Security number like it's gold!
Shred sensitive documents, use strong, unique passwords online.
https://vist.ly/3mvyyt7
(A6) #CreditChat #SelfEmployment @Experian
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
February 26, 2025 at 8:31 PM
(A6) #CreditChat #SelfEmployment @Experian
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
How does gig work or self-employment income affect your tax situation?
Gig Work & Taxes! 🎸
Welcome to the world of self-employment! It means you're responsible for both the employer and employee portions of Social Security and Medicare taxes.
(A5) @Experian #CreditChat #TaxTrouble
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
February 26, 2025 at 8:25 PM
(A5) @Experian #CreditChat #TaxTrouble
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
Can't Pay Your Tax Bill? 😨 DON'T PANIC.
Seriously. First, breathe.
Second, file your return on time anyway!
This avoids the failure-to-file penalty, which is MUCH steeper than the failure-to-pay penalty.
(A4) @Experian #CreditChat #TaxHelp
DIY vs. Tax Pro? 🤔 It's a big decision!
Think of DIY software like a GPS: great for straightforward routes.
But a tax pro is like a skilled navigator for complex journeys. "
DIY vs. Tax Pro? 🤔 It's a big decision!
Think of DIY software like a GPS: great for straightforward routes.
But a tax pro is like a skilled navigator for complex journeys. "
February 26, 2025 at 8:20 PM
(A4) @Experian #CreditChat #TaxHelp
DIY vs. Tax Pro? 🤔 It's a big decision!
Think of DIY software like a GPS: great for straightforward routes.
But a tax pro is like a skilled navigator for complex journeys. "
DIY vs. Tax Pro? 🤔 It's a big decision!
Think of DIY software like a GPS: great for straightforward routes.
But a tax pro is like a skilled navigator for complex journeys. "
(A3) @Experian #CreditChat #1099Explained
The 1099 Form! 🤔 It's basically the IRS's way of tracking income other than wages.
If you're not an employee, but you got paid, you'll likely get one.
The 1099 Form! 🤔 It's basically the IRS's way of tracking income other than wages.
If you're not an employee, but you got paid, you'll likely get one.
February 26, 2025 at 8:16 PM
(A3) @Experian #CreditChat #1099Explained
The 1099 Form! 🤔 It's basically the IRS's way of tracking income other than wages.
If you're not an employee, but you got paid, you'll likely get one.
The 1099 Form! 🤔 It's basically the IRS's way of tracking income other than wages.
If you're not an employee, but you got paid, you'll likely get one.
(A2):Key Tax Documents! 🗂️
@Experian #CreditChat #TaxPrep
Think of it like assembling a puzzle. You need all the pieces for a complete picture. W-2s (wages), 1099s (various income), and 1098s (mortgage/student loan interest) are essential.
@Experian #CreditChat #TaxPrep
Think of it like assembling a puzzle. You need all the pieces for a complete picture. W-2s (wages), 1099s (various income), and 1098s (mortgage/student loan interest) are essential.
February 26, 2025 at 8:10 PM
(A2):Key Tax Documents! 🗂️
@Experian #CreditChat #TaxPrep
Think of it like assembling a puzzle. You need all the pieces for a complete picture. W-2s (wages), 1099s (various income), and 1098s (mortgage/student loan interest) are essential.
@Experian #CreditChat #TaxPrep
Think of it like assembling a puzzle. You need all the pieces for a complete picture. W-2s (wages), 1099s (various income), and 1098s (mortgage/student loan interest) are essential.
I've seen it ALL in my career – the good, the bad, and the downright confusing tax situations. My goal today?
To make taxes less taxing (pun intended 😉) and more empowering. Think of this as a friendly coffee #CreditChat, with a side of IRS forms.
To make taxes less taxing (pun intended 😉) and more empowering. Think of this as a friendly coffee #CreditChat, with a side of IRS forms.
February 26, 2025 at 8:02 PM
I've seen it ALL in my career – the good, the bad, and the downright confusing tax situations. My goal today?
To make taxes less taxing (pun intended 😉) and more empowering. Think of this as a friendly coffee #CreditChat, with a side of IRS forms.
To make taxes less taxing (pun intended 😉) and more empowering. Think of this as a friendly coffee #CreditChat, with a side of IRS forms.
Hey #CreditChat! I'm Michael Ryan, a retired financial planner with 25+ years in the trenches. Excited to be here!
While we wait... Did you know even Einstein reportedly found income tax the hardest thing to understand? If he struggled, we're all in good company!
#TaxTalk @experian
While we wait... Did you know even Einstein reportedly found income tax the hardest thing to understand? If he struggled, we're all in good company!
#TaxTalk @experian
February 26, 2025 at 8:00 PM
Hey #CreditChat! I'm Michael Ryan, a retired financial planner with 25+ years in the trenches. Excited to be here!
While we wait... Did you know even Einstein reportedly found income tax the hardest thing to understand? If he struggled, we're all in good company!
#TaxTalk @experian
While we wait... Did you know even Einstein reportedly found income tax the hardest thing to understand? If he struggled, we're all in good company!
#TaxTalk @experian
Super excited to participate in @Experian 's #CreditChat at 3 p.m. ET on Wednesday (tomorrow)
https://vist.ly/3mvwp7i Join us!
https://vist.ly/3mvwp7d
https://vist.ly/3mvwp7i Join us!
https://vist.ly/3mvwp7d
Join our #CreditChat on X every Wednesday at 3 p.m. ET. - Experian Global News Blog
Our weekly #CreditChat started in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down
experian.com
February 25, 2025 at 11:39 PM
Super excited to participate in @Experian 's #CreditChat at 3 p.m. ET on Wednesday (tomorrow)
https://vist.ly/3mvwp7i Join us!
https://vist.ly/3mvwp7d
https://vist.ly/3mvwp7i Join us!
https://vist.ly/3mvwp7d
If you missed this week's @Experian #CreditChat on financial advice for #military families, you can read the conversation at
https://buff.ly/2jrl3vI
#milfam #milspouse #sot #vets #FinancialIndependence
https://buff.ly/2jrl3vI
#milfam #milspouse #sot #vets #FinancialIndependence
December 16, 2024 at 1:54 AM
If you missed this week's @Experian #CreditChat on financial advice for #military families, you can read the conversation at
https://buff.ly/2jrl3vI
#milfam #milspouse #sot #vets #FinancialIndependence
https://buff.ly/2jrl3vI
#milfam #milspouse #sot #vets #FinancialIndependence
A11: Read @RyanGuina, http://http://TheMilitaryWallet.com, @realKateHorrell, @Military_Dollar, http://MilitaryMoneyManual.com, @MaximusGrumpus, @MilitaryLifePln, @MoneyQandA, @JenHemphilll, @HerMoneyMoves, and Facebook #military personal finance groups!
#CreditChat......
#CreditChat......
December 16, 2024 at 1:54 AM
A11: Read @RyanGuina, http://http://TheMilitaryWallet.com, @realKateHorrell, @Military_Dollar, http://MilitaryMoneyManual.com, @MaximusGrumpus, @MilitaryLifePln, @MoneyQandA, @JenHemphilll, @HerMoneyMoves, and Facebook #military personal finance groups!
#CreditChat......
#CreditChat......
Absolutely, @AmeriForceMags -- lots of questions come out of the first TAP, and then the tools keep updating for the 2nd TAP. Attending with a spouse is always a great inspiration for long, thoughtful conversations about life planning.
#CreditChat......
#CreditChat......
December 16, 2024 at 1:54 AM
Absolutely, @AmeriForceMags -- lots of questions come out of the first TAP, and then the tools keep updating for the 2nd TAP. Attending with a spouse is always a great inspiration for long, thoughtful conversations about life planning.
#CreditChat......
#CreditChat......
Absolutely, @AmeriForceMags -- lots of questions come out of the first TAP, and then the tools keep updating for the 2nd TAP. Attending with a spouse is always a great inspiration for long, thoughtful conversations about life planning.
#CreditChat #military #milspouse #sot
#CreditChat #military #milspouse #sot
December 16, 2024 at 1:59 AM
Absolutely, @AmeriForceMags -- lots of questions come out of the first TAP, and then the tools keep updating for the 2nd TAP. Attending with a spouse is always a great inspiration for long, thoughtful conversations about life planning.
#CreditChat #military #milspouse #sot
#CreditChat #military #milspouse #sot