Credit Game Canada

My wife might not think that credit is cool, but there has got to be someone else in Canada that does! Even if you agree with my wife, you can’t deny that having good credit is important. That is why we welcome you to the Credit Game. Every 2nd Wednesday (and some random holidays), we will have a new episode for you. We will discuss different aspects of Equifax, TransUnion, and how you can always have amazing credit. Although Equifax and TransUnion exist in many countries our banking system is very different in Canada. I previously was a high-volume mortgage broker for 8 years. I learned that you can have a high credit score and still get declined. After studying thousands of credit reports for my first book published in 2012, I also learned many tricks to get your credit re-established and ready for best rate mortgage financing. I will pass on what I have learned over the last decade of removing errors/fraud from credit reports and teaching Canadians how to increase their credit score quickly and properly. My wife will try and make sure the content is not boring and make fun of me along the way!

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Episodes

Thursday Nov 24, 2022

There are multiple debt programs that exist to help Canadians eliminate debt. Many assume that Bankruptcy is the worse one for your credit, but that is not true. When rebuilding your credit so you can qualify for best rates and terms again, it is important to know how each debt program affects your credit. Find out what matters most to banks lenders after you have completed a debt program. Resources: Pros and Cons of: Bankruptcy- https://youtu.be/cvP1rDpt9ewConsumer Proposal - https://youtu.be/3AI43NFT-U0 Orderly Payment of Debt (OPD) - https://youtu.be/MSK-fdILCPw Credit Counseling - https://youtu.be/8MQccYhl9U4 Debt Settlement - https://youtu.be/jHrNzW9NcjQConsolidation Loan - https://youtu.be/0Uy_ZzozgUY  MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rules-Ever-Canadian/dp/B081D9SW18/ref=sr_1_1?crid=10GHO4KBFX7K1&keywords=The+credit+game&qid=1654099846&sprefix=the+credit+gam%2Caps%2C100&sr=8-1 CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/offers/ob2iH8yo/checkout FOLLOW ME: WEBSITE - https://creditgame.net/ PODCAST – On Apple, Google, Spodify, and others FACEBOOK – https://www.facebook.com/search/top?q=the%20credit%20game INSTAGRAM - https://www.instagram.com/creditgamecanada/?hl=en TIKTOK - https://www.tiktok.com/@creditgamecanada

Thursday Nov 10, 2022

Just like Roulette, having joint credit is a game of chance. Find out what you risk when you attach your name to anyones Credit and how to protect yourself going forward.  Links: Link to the Youtube version of this Episode - https://youtu.be/G4gduk4VwKA  How to protect yourself from Fraud - https://www.youtube.com/watch?v=NCw9OxlWQvE&t=16s Joint Credit Risks image - https://creditgame.net/wp-content/uploads/2022/11/Joint-Credit-Risks.png  Resources: MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rules-Ever-Canadian/dp/B081D9SW18/ref=sr_1_1?crid=10GHO4KBFX7K1&keywords=The+credit+game&qid=1654099846&sprefix=the+credit+gam%2Caps%2C100&sr=8-1 CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/offers/ob2iH8yo/checkout FOLLOW ME: WEBSITE - https://creditgame.net/ PODCAST – On Apple, Google, Spodify, and others FACEBOOK – https://www.facebook.com/search/top?q=the%20credit%20game INSTAGRAM - https://www.instagram.com/creditgamecanada/?hl=en TIKTOK - https://www.tiktok.com/@creditgamecanada  

Thursday Oct 20, 2022

Fraud is the fastest-growing crime in Canada. Not only will we go through some Credit Self-Defence, but I'll also show you how to do it for less! Resource Section LINKS What to do when Fraud Happens to you. https://youtu.be/VILpW20W2BA  MP looking to force Equifax and TransUnion to provide Fraud Prevention tools for free https://tinyurl.com/yadxzvvt How to get your credit report: FREE EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=gwmGM1iUgZA Direct link - https://www.consumer.equifax.ca/personal/products/credit-score-report/ Mail in Request form – They no longer accept faxed in copies - https://assets.equifax.com/assets/canada/english/creditReportRequestForm.pdf PAID EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=SguRJpNBcQc Direct link - https://www.consumer.equifax.ca/personal/ FREE EQUIFAX REPORT THROUGH BORROWELL: How to navigate the process - https://www.youtube.com/watch?v=DSMRjVhKHCM Direct link - https://borrowell.com/ FREE TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=Foh30VFVSOk Direct link - https://secure-ocs.transunion.ca/secureocs/home.html Mail in Request form – I don’t suggest faxing it https://www.transunion.ca/content/dam/transunion/ca/consumer/documents/Consumer_Disclosure_Request_Form_en.pdf PAID TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=i8yTdUq-aZE Direct link - https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB FREE TRANSUNION REPORT THROUGH CREDIT KARMA: How to navigate the process - https://www.youtube.com/watch?v=XS-gtbms7pU Direct link - https://www.creditkarma.ca/    MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after DebtCREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW ME: WEBSITE - https://creditgame.net/ PODCAST – On Apple, Google, Spotify FACEBOOK – https://www.facebook.com/search/top?q... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linkedin: https://www.linkedin.com/groups/14056...

Wednesday Jul 13, 2022

There are many ways to make your score climb, but there are few things that will really increase your score quickly. I know everyone is interested in the fastest way to jump your score, but first we'll cover the second fastest way to increase it quickly and properly!  Resource Section Moxley Family KISS Story https://www.youtube.com/watch?v=3641M... Moxley Family KISS Story - The Happy Ending https://www.youtube.com/watch?v=TppV8... MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after DebtCREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW ME: WEBSITE - https://creditgame.net/ PODCAST – On Apple, Google, Spotify FACEBOOK – https://www.facebook.com/search/top?q... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...

Wednesday Jun 29, 2022

Not everything shows up on your credit report and not every bill payment improves your score. Credit Doozies will keep you from getting approved for best rates and terms. Find out what is holding back your credit score, especially if you have been through a Consumer Proposal or a Bankruptcy. LINKS: Common Errors on a credit report https://www.linkedin.com/pulse/what-do-when-fraud-happens-you-richard-moxley/?trackingId=aiMMpabiRQK4yfOmf9OT4w%3D%3D&fbclid=IwAR3TtMfg1c38jeexSOR1gt0LeVaUrEMHq4UiQVfhKPrHN91M87-PbtwzBrY   Intro to the FREE Life after Debt CREDucation Course https://www.learnthecreditgame.net/offers/6y9J2Tqr/checkout MY STREET CRED: - https://creditgame.net/street-cred/ RESOURCES BOOK: – The Credit Game - https://www.amazon.ca/Credit-Game-Rules-Every-Canadian/dp/0991690222/ref=sr_1_1?keywords=The+Credit+Game&qid=1651531712&sr=8-1 CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/offers/B9gPdPQo/checkout  • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage https://www.learnthecreditgame.net/offers/AQoFNg9a/checkout  • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/offers/ob2iH8yo/checkout FOLLOW US: WEBSITE - https://creditgame.net/ PODCAST – Search Cananda Credit Game FACEBOOK – https://www.facebook.com/search/top?q...  INSTAGRAM - https://www.instagram.com/creditgamec...  TIKTOK - https://www.tiktok.com/@creditgamecanada  ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056... DISCLAIMER: This YouTube channel is produced for your general education and entertainment. We have done our best to ensure that the information provided is correct and helpful, however, nothing on this YouTube Channel should be considered financial advice. We cannot be held liable without knowing your specific credit or financial situation. Email me directly at info@CreditGame.net if you would like a one-on-one consultation.

Wednesday Jun 15, 2022

There are two reporting agencies in Canada, Equifax and TransUnion. There are many different ways to get a copy of your credit report but few Canadians see the benefit of reviewing both. You might be surprised at how different your Equifax and TransUnion reports can be and why it is essential to review both of them, especially if you are planning any major financing in the near future!   OR VISUALS AND FOR THE FULL EPISODE - https://youtu.be/B1px5RIDY5w MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES How to get your credit report: FREE EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=gwmGM1iUgZA Direct link - https://www.consumer.equifax.ca/personal/products/credit-score-report/  Mail in Request form – They no longer accept faxed in copies - https://assets.equifax.com/assets/canada/english/creditReportRequestForm.pdf PAID EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=SguRJpNBcQc Direct link - https://my.equifax.ca/consumer-registration/?lang=en FREE EQUIFAX REPORT THROUGH BORROWELL: How to navigate the process - https://www.youtube.com/watch?v=DSMRjVhKHCM Direct link - https://borrowell.com/ FREE TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=Foh30VFVSOk Direct link - https://secure-ocs.transunion.ca/secureocs/home.html Mail in Request form – I don’t suggest faxing it https://www.transunion.ca/content/dam/transunion/ca/consumer/documents/Consumer_Disclosure_Request_Form_en.pdf PAID TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=i8yTdUq-aZE Direct link - https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB FREE TRANSUNION REPORT THROUGH CREDIT KARMA: How to navigate the process - https://www.youtube.com/watch?v=XS-gtbms7pU Direct link - https://www.creditkarma.ca/   BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW Us: WEBSITE - https://creditgame.net/ FACEBOOK – https://www.facebook.com/TheCreditGam... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...  

Wednesday Jun 01, 2022

Most Canadians would agree that paying your bills on time is common sense. But what if I told you that paying credit on time still can be considered late in the eyes of the bnaks and Equifax and TransUnion? During Covid banks were offering deferrals out like they were candy but not warned of how it affects your ability to get approved. Find out what it really means to pay on time to Equifax and TransUnion and protect yourself from deferrals keeping you away from best rates and terms going forward.   FOR VISUALS AND FOR THE FULL EPISODE - https://youtu.be/B1px5RIDY5w MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW Us: WEBSITE - https://creditgame.net/ FACEBOOK – https://www.facebook.com/TheCreditGam... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...

Wednesday May 18, 2022

Think of your credit score like your GPA (Grade Point Average). Your school GPA indicates how well you are handling your individual classes. Your credit rating is like your individual "grade" for each individual Credit Card, Line of Credit, Loan, Lease, Mortgage, and Line of Credit. In this episode, we outline how you can tell what your individual credit account ratings are and how you can use them to make sure you always have an AMAZING Credit Score! FOR VISUALS AND FOR THE FULL EPISODE - https://youtu.be/UudkjlPpUSg  MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES - Ratings Image - https://tinyurl.com/mryfsjcs - Repossessed Vehicles in B.C and AB - What you need to know about the Seize or Sue law - https://www.linkedin.com/pulse/seize-sure-law-the-credit-game/ BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW Us: WEBSITE - https://creditgame.net/ FACEBOOK – https://www.facebook.com/TheCreditGam... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...

Tuesday May 17, 2022

I'm sure your Mother or a loved one has given you some great advice throughout your lifetime. However, their instructions when it comes to credit can lower your score. Common sense would lead you to believe that paying off a loan would help your score, but that is not the case. I have seen too many Canadians be declined just because they paid off a loan at the wrong time. It is really important to know how this works, especially if you are looking to qualify for the Best Rate Mortgage Financing. FOR VISUALS AND FOR THE FULL EPISODE - https://https://youtu.be/nBA73yYY1EI MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW Us: WEBSITE - https://creditgame.net/ FACEBOOK – https://www.facebook.com/TheCreditGam... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...

Thursday May 12, 2022

Did you know that you have more than one credit score? We tend to talk as if there is just one, however, there are two credit reporting agencies in Canada, Equifax and TransUnion. Where it gets confusing is, both Equifax and TransUnion offer multiple credit scores. And the one you have access to, is not the one that the banks use. Find out why this matters to you and help you better understand the Credit Game! FOR VISUALS AND FOR THE FULL EPISODE - https://youtu.be/yKVKM4n34gg  MY STREET CRED - https://creditgame.net/street-cred/ RESOURCES BOOK – The Credit Game - https://www.amazon.ca/Credit-Game-Rul... CREDIT COURSE: • FOR ALL CANADIANS – The AHA! Credit Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course - https://www.learnthecreditgame.net/of... • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course - https://www.learnthecreditgame.net/of... FOLLOW Us: WEBSITE - https://creditgame.net/ FACEBOOK – https://www.facebook.com/TheCreditGam... INSTAGRAM - https://www.instagram.com/creditgamec... TIKTOK - https://www.tiktok.com/@creditgamecanada ONLY FOR CANADIAN MORTGAGE PROFESSIONALS *If you are a Canadian mortgage professional below are the links to the private pages*: Facebook: https://www.facebook.com/groups/73186... Linked: https://www.linkedin.com/groups/14056...

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