Trying to build or rebuild your credit can feel overwhelming—especially when you’re being flooded with advice, products, and promises that may not deliver the results you expect.

In this episode, Tiana Mayers breaks down the truth about secured credit cards, credit builder products, and the strategies that actually help consumers establish a stronger credit foundation.

Not every product marketed as a “credit builder” works the same way, and some may provide far less benefit than consumers realize. Understanding how these products report, how lenders view them, and where they fit into your overall credit profile is critical.

Topics covered in this episode include:

• What a secured credit card is and how it works • The difference between secured and unsecured credit cards • Credit builder loans and whether t ...