Hey, How’s Your Credit?

[@niyaabdullahi8201]

I'm loving Tamar's entire outfit today. Hair, Makeup and outfit on fleek!

[@Dymsx86]

I see where Tamera was coming from about Adam, but you should never assume someone has great credit just because they appear successful. That's what Loni was getting at.

[@zora99ny]

Exactly. Look at Teresa and Joe from the NJ Housewives. They had a lavish home, expensive cars, luxurious material goods, etc. Turns out they were involved in illegal activity, they're bankrupt and have/will serve prison time.

[@LisaIrby]

I don't understand why people in the comments keep saying Tamar and other women who care about credit are gold diggers. Notice Tamar said "we're trying to build" meaning she is bringing something to the table too. Credit checks are a way to see how people manage and handle their money. You can make $200K per year and still have horrible credit if you live beyond your means -- which is what a LOT of people do b/c they care about status and keeping up with the Jones'. It's not just about how much you make, but how you MANAGE what you make. Credit score can be one indicator of that.

[@meymay11]

The people saying that are poor and/or have poor credit. People that think about building know you can't mix with someone with bad credit and money handling skills.

[@LisaIrby]

Agreed! If you can't agree on money management that's a red flag and should be discussed early in the relationship.

[@DeeL3]

Looooool Loni "Haaaaaa can you get a house?"

[@Ornacia29]

I love Tamar! She brings something different to the table even though shes being herself. If only people would open their minds a lot more and accept the nature of a person the world would be a better place. God bless you girl!

[@saynabaabdi8846]

right

[@parisa3822]

Thank you!!!

[@-.-5899]

Yess!!! Amen!

[@BeyhiveLegend]

preach

[@sheilaansley8232]

yessss

[@ilubyou13]

I wouldn't want someone to ask me how my credit is, it's none of their business and I wouldn't want to ask someone how their credit is either. But if we're about to get married then eventually it'll come up. But first date, nah.

[@ilubyou13]

Isabel Do HAAHAHAH

[@ilubyou13]

rocktokiohotel94 But how would that make you look?

[@CoCoGemel]

I need Tamar's arm and shoulder workout routine😍

[@vlo4829]

You have to extend your arms fully every time you point and tell someone to "Getcho life!"

[@alim-zb9vq]

ikr

[@ker_possible]

From working in finance, you cannot assume someone has good credit because they have a business. Sorry Tamera.

[@trinigrl09]

I don't think what you said of Tamera is true….she has had a career from childhood and still has money from those endeavors in the bank so she does not strike me as the financially clueless type….but I do agree that you should not assume someone is successful because they have all of the material possessions that indicate success….that is how a lot of people end up deceived….

[@vdw-ox7rb]

Tamera just doesnt have any street smarts.

[@trinigrl09]

vdw842003 She doesn't need street smarts….her husband is more of the wall street guy…she's not dating a hustler….What I think people misunderstood was Tamera's point that Adam's family is not "new money" his family has owned and operated that winery for decades upon decades and therefore been wealthy for just as long so the money is established……it's not like a new business venture….

[@EllePlowPlow]

@@trinigrl09 what Adams family is doing doesn’t mean that’s what Adam is doing. There’s a lot of business owners out here who are irresponsible with money. It’s not wise to assume anyone with a business has good credit (&/or manages their money well).

[@trinigrl09]

@@EllePlowPlow I'm confused....WHERE DID I say that it was wise to assume that a person that manages their money well or has good credit or has a business is successful....I never said that....in fact I said the exact opposite in my initial post. Did you read it?

[@LanaLove23]

I agree with Adrienne. A real partner tries to elevate their significant other in all aspects. Otherwise your just a distraction, especially if your young.

[@alreem9891]

Tamera's probably thinking 'i cant relate to this conversation' lol

[@DivineVibrations9]

"I have 2 kids" "Adams family has a winery" Tamera's most famous phrases

[@chatwithchante]

And "I was on Sister Sister" lol

[@mjlovahh12]

That is literally all her life revolves around

[@Mommasun_]

lmaooooo

[@stephd211]

lmfao

[@calebarmer3589]

lmfaooooo

[@thegoddess5300]

Asking for their credit score on the first date tho? Might as well ask for their social security number, birth certificate, and drivers license while you at it lol.

[@valeriewilliams5078]

and paystub.

[@alluringbliss4165]

LOL @ Valerie

[@trinigrl09]

I think that is something you ask about when you are in a relationship and engaged t be married NOT on a first or even third date as Tamar suggested….It's weird because they kinda sounded like they were interviewing potential husbands on the first date rather than getting to know the person….

[@benty72]

2:29 Adrian's earlobe is hanging on for dear life 😂😂

[@robyndae5416]

Lmao Adrienne's face at 1:07 when she heard what Tamar said poor girl can't even relate bc she dates for love only.

[@MajesticMyronn]

well im currently in high school so i dont have to worry about credit...YET haha

[@Ornacia29]

Heed my advice: DO NOT take out Loans. Save, Save and SAVE! lol!

[@MajesticMyronn]

+Mixer thank God I'm not alone lol

[@MajesticMyronn]

+29Prolife I will try to take it ! Just pray for me 😂😂😂

[@Ornacia29]

+Myronn Coleman you dont need a prayer just use your common sense 😂😂 save every dime you can k

[@vintagemoth]

you might not have to worry about it now but someone should be teaching you about it later on so you can be building credit. im sure you eventually might want a brand new car or anything else that requires good credit.I wish someone taught me about it early on and how to build. I'm just now starting to build my credit score up and I'm 26 yrs old lol

[@BigEnoughUmbrella]

what I'm going to miss the most next season IS TAMAR'S BEAT! YAAAASSSSS! THAT HIGHLIGHT, TAY!

[@LoveFinds]

You have to have great credit to own a business.... Nah Tamera, you don't.

[@jchidi]

Uhhh yea you do! Which bank is going to loan you money to open up a business with a crappy credit score?

[@LoveFinds]

+thatkidd jennifer banks aren't necessary in all cases. With the right idea and large profit margins you can have a business. As long as you consistently reinvest you don't always need a bank. Sophia Amoruso (nasty gal CEO) is a great example. Adams parents owning the business and passing it along to him have nothing to do with his credit as well.

[@vlo4829]

That was my thought. Mommy's credit isn't baby's credit. Come on, Tamera. "As a mother", you should've already known that...

[@valeriewilliams5078]

You never know, maybe they had their own money and didn't need to borrow. Believe or Not I know a person right now that owns their business purely on money saved for years. Never had to borrow money from no bank. At the end of the day, all credit is used for is to help someone who dont have the money handy, so really its best to be financially stable instead of getting everything on credit or borrowing.

[@SammySam316]

my husband has terrible credit and he owns a business. No the bank will NOT loan money on bad credit. He knew his credit was bad so he saved up the old fashion way and started with his own cash. Life happens, we learn and there are many ways to get restored afterwards. He is now working on restoring his credit. My advice to anyone is try your best NOT to get your credit messed up. But with student loans and lack of job security thereof. It is still wise not to judge solely on credit score.

[@jaylahthomas4174]

It's better to ask early on than fall in love and be ready to get married , then find out they have bad credit

[@angelfishluva291]

Credit is the one thing I wish I paid attention to when my mom explaining it to me as a younger kid.. The philosophy of I'll borrow only if I need it, didnt work. Parents REALLY need to stress how our economy works to their children.

[@ineedya123]

Adrienne knows the general population watching probably don't have good credit I feel Tamar and Tamera don't really have touch to that side of the line A LOT of people have bad credit, and yes Tamar was saying bad credit is s deal breaker

[@ValerieAbena]

As I grow older I realise love is partly a choice. I don't think someone saying 'you don't have good credit? Peace out' is a bad thing, like Adrienne is implying. Not every woman wants to help 'build' and help a man. This ain't build a bear.

[@evewatts4913]

Tamar looks super cute! Her hair, makeup and outfit are on point!!

[@zahbookie]

Omg. I’m crying. 😂. Tamar clapping is too much.

[@Rooted_Locs]

Adrienne seems real proud of her contribution to the topic today

[@kataus1818]

Adrienne just knows! Love her response to this. Bad credit equals a liar & thief? Really Tamar?! -__-

[@sonia4556]

I 100% agreed with Adrienne on this girl chat!!

[@kaytan8409]

Wait what does bad credit have to do with being a liar and thief

[@peanutjelly727]

That's what I'm saying. what the hell is Tamar talking about? lol

[@CoCoGemel]

unable to make commitment on paying people back what you owe them? idk lmao

[@kenyattaknox5163]

She should know alot about that..oO

[@kaytan8409]

I guess she assume everybody who has bad credit refuses to pay ppl back bc they just don't care about being indebted to others, and not those who just have a hard time financially...

[@peanutjelly727]

life happens. people lose their jobs, severe illnesses with ongoing treatments happen, businesses do poorly, fraud victimization happens, etc. It's completely unfair to vilify every single person who has bad credit.

[@billieholiday1571]

How many pre-recorded shows do they have? Holy.

[@pookie7826]

They finished the season

[@saynabaabdi8846]

lol ikr

[@mjlovahh12]

I'm convinced that they recorded up to 4 shows per day at times. They're literally throwing episodes from out their ass now

[@jadatemple3805]

Well I'm not complaining... Gives me something to watch throughout the day

[@bevz90]

I know right!

[@duckiie15]

If someone asked me what my credit score was on a first date I would lie and say it was terrible & see their reaction lol

[@WookieA2015]

Tamera is the realest she said the best answer up on the panel

[@goldlyfsouthafrica6448]

i agree with Adrienne...love before credit...yes he should have goalls,ajob etc...but damn y is it all about money...its y relationships dont last...and lets build TOGETHER

[@angelajohnson5302]

Finances is one the TOP 3 reasons people get divorced. It may not be a good question to ask on a first date, but it is absolutely a question that needs to be addressed before deciding if you should have a serious relationship with that a person.

[@fabulouslifeinchrist1349]

having a business can actually mean you have bad credit if you borrowed too much based on your income. You can't assume these things. You can get him to tell you outright after dating a while or just glimpse at his card when he is about to pay it says debit if it is checking.

[@dms_25]

It's cute how Lonny calls Adriene munchkin... Haha!

[@preciouscolombiana]

Adrienne's makeup tho 👌🏼😍

[@deloritamcdowell]

I do not believe in credit. The point of credit is debt to income, but why be in debt in the first place. If you pay all your debt off and don't buy on credit again your score goes down... What's the point? If we lived within our means and on a budget and not dependent on credit we can help the national debt. People have to be realistic and understand that credit is what we use to get what we want when we can't afford it. If I can't pay something off within 2-5 yrs I don't want it because that's stressful. If I ate a snickers today why wouldn't pay on it for years and years. If the US stopped living in so much debt there wouldn't be stock market crashes, housing collapses, low employment rates. It takes time to repair the damage we've already done( yes I've done it to), but if we deal with the slow climb to repair the US will flourish even more... But that's just my 2 cents...

[@zora99ny]

Interesting. So how do you avoid using credit, if you're working class or middle class?

[@abigailj2485]

I totally agree. Why not just pay off debts? & live within your means?

[@alluringbliss4165]

@ NYCzora by making wise decisions

[@riribams3809]

tay-tay you're funny girl. nobody will ever be able to replace her... she's so unique.

[@underwaterseas]

Tamera is blessed she didn't get the "Joanna the Scammer" type, since she didn't like the idea is asking about a credit score. Lmfao.

[@nw2972]

Tamar looks so good.

[@dannyaguirre91]

Am I the only one who notices how much more beautiful Adrienne looks giving her perspective on this?? Like all the other girls kinda seem like it's ALL about the money, even though they say "I'm not a gold digger " ...I love how Adrienne is so humble...

[@allisonmcinnis5929]

But if a rich man wanted to be with you you would say hell no

[@Tigerkem]

Ok, there is some very dangerous information being said in this segment. Bad credit doesn't mean you are either a liar or a thief, it generally means you are financially irresponsible. Even then it could mean your credit is temporary in a rough patch due to circumstance, such as unexpected medical bills, unnatural or natural disaster caused damage to your property or someone stolen your identity. The important thing is to ask your partner as to why they have bad credit and as Adrienne says try to fix it together. Remember good credit is important to the long term financial direction of the relationship but it shouldn't be your only deciding factor as whether or not the relationship should continue.

[@jaspreetdhaliwal4953]

A successful winery but you paid for your whole wedding 😒 girl bye

[@daquonstevenson300]

U seems mad 😡

[@bosslady5927]

How do you know that? @Jaspreet Dhaliwal

[@Jae101Pow]

Tamera said she paid for the whole thing on an episode.

[@mademoiselle3000]

Maybe people need to have higher expectations and worry about their own coins to the point that they don't even need "good credit" good credit is for people with no money so they can borrow money from the banks. Rich people don't need to borrow money therefore don't need good credit. #staywoke people

[@jaylahthomas4174]

But at the same time if the person is in debt or something & you marry them then all that debt is yours and most of us aren't rich and are going to have to have our credit looked at when its time to buy a car or home & there is plenty of rich people in debt or with bad credit and if your rich it could backfire even more

[@lester2588]

Makes sense 👌

[@marikboo]

Majority of people (in the US) are middle class and not rich which means they have to buy using credit, but that doesn't mean they aren't hardworking and trying their best.

[@samiijaz9441]

I so agree!

[@peanutjelly727]

This is the dumbest thing I've read all day. Even rich people take out mortgages. Taking out a loan doesn't mean you have no money for the thing you're buying. You need to have a savings and a financial cushion to fall back on in case you lose your job or the economy is struggling and your business is adversely affected. Very few people can pay $500,000 cash for a home. And if your suggestion is for people to just aim to be rich, good with that, buddy.

[@jackiepeavy5505]

Adrienne you are giving us mucho J.Lo today honey love the hair & makeup. ...yaaaas💋

[@AngelFriend911]

Lmao she said so how's your credit lmao

[@nfvy8111]

Tamar got a whole list of demands for a potential suitor but what exactly does she bring to the table??? 🙄

[@MsZan2]

I agree wit Loni, yu shouldn't assume based on wat they have & their background or businesses... I agree wit Adrienne as well, yu could always work together to help build each other's credit....

[@garbrah180]

omg can there be an adam count for how many times tamera says adam per episode. lol im over it

[@leeleefromthed]

Exactly Adrienne. I agree; we're helpmeets for men. How can we build is the question...How can we make it better? Now, if you're uninterested in getting help, you're not the one for me anyways.

[@MasonPerry7]

Not on the date tho, If you've been dating long enough it should just come up in a conversation. I wouldn't ask up front, "Hows your credit?" I would actually just observe their spending habits. that sounds like a marriage question though.

[@valeriewilliams5078]

Adrienne gave the best response. If you love someone you all work together to get the best from each other. I dont know what tamar was thinking. She going say they are a liar and thief, oh please. I know alot people today whose credit is not the best and it has nothing to do with them being a liar and thief; they ran through extremely hard financial times. Tamar speaks like somone who has never had to struggle a day in her life.

[@chuckie102883]

Tamar flat out said after the third date she's asking and if it's bad credit she's bouncing, then at the end contradicts herself when agrees with Adrienne and says he has to be working on it... So which is it Tay Tay 🤔

[@HeyHeyMaliaJ]

I'm 23 and trying to establish credit now. I just bought a car from a dealership and think about getting a low limit credit card. Any advice for my seasoned and wise folk. Because My goal is a small 2 bedroom house by 30-35. Also credit only becomes a problem depending on age. I can't expect good credit from my man when I don't have nair myself. But we can work on it together. Grow spiritually, emotionally, mentally, financially, and physically 😜. 😂😂😂

[@GriBlanco]

I highly recommend Financial Peace University by Dave Ramsey. Girl, best financial advice and decisions you'll ever need. Wish I had done the program when I was your age.

[@HeyHeyMaliaJ]

+Grisel Blanco thank you for replying will look into it.

[@usadrones]

Do not make late payments!!!! Life happens, so if you are going to be late, call them and explain your situation. They will work with you. Never ignore your bills bc you're going through a financial difficulty.

[@amandaelgamal8548]

with your credit card make sure you don't make late payments on your credit cards and another huge aspect that effects your credit score is utilization. Your balances can't exceed 30% of your limit or it will effect your credit negatively. So if your credit limit is 300 then you can't have a balance higher than $90. And I recommend always keeping track of your credit. I personally use credit karma to check it on a weekly basis, it might not be 100% exact but it is a very close estimate to what your actual credit score is.

[@raymonddez2453]

Great advice so far with NEVER MAKE LATE PAYMENTS....DONT USE ALL THE CREDIT (utilization)... another one is LENGHT OF TIME CREDIT IS OPEN (try to make this atleast 5 years or more) meaning make sure it will take longer than 5 years to pay off your car or try to keep an active credit open for at-least 5 years.

[@mrsjmontanez]

Loni! That eye makeup , Superb.♡

[@ashley.sterling]

since Tamar got fired I find myself looking for little clues in the latest episodes... Loni's reaction to Tamar @ 1:41 looks like a clue to me....

[@annieparker2788]

Dumb ass these were recorded before she was fired.

[@ashley.sterling]

+annie parker hence, clues as to *why* she was fired.... Dumbass.

[@annieparker2788]

Dumb is forever that would be you.

[@ashley.sterling]

+annie parker reading is fundamental

[@annieparker2788]

xalleniex Bitch is forever what you are buh. bye

[@BRITTWOODNESHIE]

You have to look at it from a different view sometimes. You know how many kids whose parents use their names on everything because their credit is bad? That's messed up. Sometimes kids credit be messed up and they don't even know about it until they go to get a loan for a house or a car. I'm just thankful that I have very great credit and that my mom wasn't the type of mom to use my name or my sister's name on things that she wanted to get. But sometimes kids credit be bad as a child because of the parents or who controls their social security cards and everything. I feel bad for the people who are going through that right now.

[@peanutjelly727]

Yeah, I had a friend whose mom did that to her. that's why it's not fair to judge ppl with bad credit because it might not even be their fault.

[@BRITTWOODNESHIE]

peanutjelly exactly my point.

[@JRob594]

Watching this really bring tears to my eyes😭😭😭 #missutamar

[@jazariathompson3402]

1:54 tamar knew it was shade being thrown at her by loni lol

[@jmcalderon91]

Adrienne is all quiet, looks like she is trying to keep her bad credit out if this convo. Lol

[@WhittyHutton]

Ain't nothing going on but the rent!

[@okand5138]

Lol Jeannie looks like a character from a sci-fi movie

[@tiakelly9523]

Tamar I think Toni had some credit issues - Is she a liar and a thief? Let me answer that "No she's not I guess" (cos I loveeee Toni) so please watch what you say

[@M3LANIE80S]

If Tamar was watching this she would say oohh the shade ! They're both trying each other lmao

[@Cummide1987]

Awesome subject ladies. 👍

[@nessa7094]

Adrienne....truth

[@jholarkin7736]

Tamar's highlight is shpoppin

[@Danielle58282]

The Real is gonna be nothing without Tamar! Just waiting for her show to come on😌

[@EddyTheBetty]

I don't think about it. I guess it depends on the convo, I wouldn't just ask like that.

[@latina592]

Lol I have an aunt that always looks at that in a man but her credit is a wreck...

[@NoMakeUpShannon]

the fact that tamar thinks that when you have bad credit your a thief...words from someone who has never struggled before. smh

[@Godlywoman88]

I line Jeannie's hair!

[@SabrinaRosae]

I read that as "I love Jeannies hair line" lmfao

[@Godlywoman88]

WhatSabrinaWants Yes, I meant to say that I "like Jeannie's hair" but I was on a phone at the time and you know how auto correct can be.

[@TheMegakwan123]

Yes Adrienne👏🏾👏🏾👏🏾

[@mjlovahh12]

Thankfully I'm still a teen and don't have to worry about this credit thing too much just yet. Not ready for this adult life lmao

[@BrandyChanelle]

My credit isnt that great. I'm not a liar or a thief. When I was married I put everything in my name. He was not good with his money and we got divorced right after. Everything had to be paid by me. Come on Tamar. Dont say that.

[@LuisaDejean]

Exactly. She was overgeneralizing and she made a thoughtless comment that cannot represent everyone with bad credit because everyone has different lives.

[@daniellechavez499]

that dove commercial on point lol

[@amarichandler3348]

Jeanie is the only one that everyday has a weird/extravagant hair do but I love it

[@rowydahamin1591]

Hi the REAL I like this show very very much I watch the show every day even the old episodes but I only watch it on KZbin because I live in KSA so can you tell me how can I watch the full show 😡😡

[@vintagemoth]

I do agree that if a man wants to start dating he should already have his priorities in order before he going just finding a woman. the same for a woman.

[@xiamariansupreme72]

I stay tuning in to these KZbin clips and the Girl Chats, but I'm UBER curious to see how Season 3 will play out without TayTay, especially since she, Tamera and Adrienne have the strongest bond of the hosts. I don't think Jeannie is that close with either Tamera or Adrienne as Tamar is, but Loni seems close with everyone.

[@raymonddez2453]

lmao I think Adriene was mocking Tamar at 3:42

[@positivevibes8516]

she lowkey was

[@vdw-ox7rb]

She needed too, tamar was on one this segment.

[@atza9270]

Adrienne made the best point at the end. Rest of em sounded bad

[@loveormi5883]

Ambition is the key of sucess

[@crystalliam7132]

I couldn't date someone that didn't have good credit...if we get serious I don't want to have to worry about his debt! Bad credit and kids totally deal breakers for me!

[@clarke4400]

If you have a bad credit then that highly indicates poor management of finances. Most women do not want that. A husband that can't manage their finances is a total turn off. He doesn't need to be an accountant, simple addition, subtraction and multiplication and how well he employs that to his daily budgeting skills is impressive. No woman or most women do not want to be left a spinster in gruesome debt.

[@TiffanyKelly21]

Trying to decide if Loni is annoyed at life, or just high....

[@camara1194]

good job Adrianne.

[@yas_her4056]

But Tamar said its a deal breaker. & at the end she switches it up. Lies! 🤔

[@yooo5921]

Tamar & Loni stop it before Adrienne said that y'all was all like " bye i have standards ". But the " appropriate thing " is to agree with Adrienne.

[@acacius9903]

Jeannie and Tamar are just agreeing with Adrienne in the end but deep down they would definitely dump them man with bad credits like a bag of garbage. Adrienne has a better heart. If a man has a bad credit doesn't mean he is a bad person. He just didn't find his way yet with money. hahahahhold your fire cuz I think all the ladies are dope.

[@emely902]

i feel like if he doesnt pay his bills on time, then thats something you guys are going tl argue about that might put a strain on your relationship when ur married cause its not ur fault unless he agrees to work on it.

[@HewanYitagesu]

im gonna miss the hell outta tamar

[@KeaYang21]

First everyone was annoyed by Tamar Then Adrienne after the Houghton situation Now Tamera and 2 kids Loni single and satisfied,brown liquor The only person not annoying is Jeanie

[@linwilliams2013]

I can't joke 😂

[@BehindTheCornerVideo]

I hope to Vince to never be broke !! lol Do I am the only one with Adrienne ?

[@valeriewilliams5078]

U can tell Tamar has never wanted for anything or have had financial problems. Even she has said that she wasnt born rich but she wasnt poor either. Andrienne knows the struggle, she has been there.

[@strawberries322]

Where can I get that sweater Tamar is wearing I would DIE FOR IT

[@alluringbliss4165]

Message TheReal

[@gabby6917]

I know if I'm dating to get married or be together for a long time, I don't want somebody with bad credit. & I wouldn't be offended if someone asked me because I would want to know if I were them & if they ask me first, then I don't have to feel bad about asking them

[@valeriewilliams5078]

As long as that person is trying to get out debt and fix their credit, I see nothing wrong with being with someone who has bad credit. Majority of people have suffered from some financial situation where their credit may be bad but if they are showing that they are trying to fix it, then I see nothing wrong. If you love that person, then help them to improve their credit. Its no reason bad credit should be a deal breaker because bad credit can be fix.

[@AnitaAdot]

I love Tamars hair!

[@jadaamari]

I miss Tamar on here she so funny and brought so much real ness to the show. The show is not as good now as it was with tamar

[@SelinaAmy]

Can someone explain to a non usa citizen what is meant with having credit?

[@tearatieanna7199]

Am I the only one wondering if that's Tamar's real hair ?