In this episode of A + You, hosts Danielle and Amber sit down with Brad Edwards, a Senior Phone Lender with nearly 20 years at Affinity Plus Federal Credit Union. Brad brings his deep experience in consumer lending to break down one of the most confusing—and often intimidating—topics in personal finance: credit scores.

Brad explains why credit should be viewed as a journey, not a label of “good” or “bad.” He shares the key factors that make up a credit score—like payment history, credit utilization, and length of credit history—and offers clear, practical advice for building and maintaining strong credit. Listeners will learn why on‑time payments matter, how credit card usage affects scoring, and ways young people can begin establishing credit responsibly.

The conversation also tackles real-life challenges: missed payments, emotional spending, and managing debt. Brad provides helpful guidance on using automatic payments, creating a realistic spending plan, and borrowing intentionally rather than impulsively. The hosts also highlight Affinity Plus tools like credit monitoring through the mobile app and resources available for financial coaching.

Whether you’re starting your credit journey or looking to improve your financial habits, this episode offers approachable, judgment-free insights to help you make credit work for you—not the other way around.

Affinity Plus Federal Credit Union – federally insured by the NCUA