The Next Credit Era: Preparing For 2026

We’re stepping into a new credit era—and if you’re not paying attention now, 2026 is going to catch you off guard.

This live isn’t about fear. It’s about clarity. I’m breaking down exactly what’s changing with FICO 10T, Vantage 4.0, and how lenders will be judging your credit moving forward.

We’ll talk about:

How your debt patterns will now matter more than your score

Why paying on time isn’t enough anymore

What these new models mean if you’re rebuilding, buying a home, or stuck in debt right now

The real moves you can make before 2026 to protect your credit and position yourself to win

This conversation is for anyone who’s tired of feeling blindsided by the system and ready to understand it for real.

I’ll be live answering questions, showing examples, and telling you what I’d do if I were starting over today.

💳 Topic: FICO 10T, Vantage 4.0 & 2026 Credit Changes
🎯 Goal: Help you understand what’s coming and how to prepare before it hits
👩🏽‍🏫 Hosted by: Shonda Martin | Credit Educator & Consumer Rights Advocate

Download the 2026 Banking Protocol here: https://drive.google.com/file/d/1emnG...

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