Credit Game Canada

TransUnion Credit report Explained

There are two Credit Bureaus in Canada. In this video, we expain the TransUnion report. It is difficult to have good credit, if you don't know how to understand how to read it and what is most important to the underwriters. Get your TransUnion questions answered!
Links:
How to get and print a copy of your TransUnion report - https://youtu.be/K6a_R8gZFnw Is your Credit Score accurate? Don't let it mislead you - https://youtu.be/yKVKM4n34gg What are your options when you find errors on your Credit report - Coming Soon Difference between TransUnion and Equifax in Canada - https://youtu.be/KcukPdPdCfw Why it is essential to review both your Equifax and TransUnion reports - https://youtu.be/StxF6ZcrlJ4 How to register a a consumer Statement on TransUnion - Coming Soon Can you remove an inquiry from your report? Coming Soon How to file a dispute with TransUnion - Coming Soon Joint Credit Roulette - https://youtu.be/G4gduk4VwKA How to get and print a copy of your Equifax report for free - https://youtu.be/Z03_DvfFY38 How to read your Equifax report - https://youtu.be/PEVHQOAFw64 

What is important to know when looking at the Equifax report

There are two Credit Bureaus in Canada. This video goes through in detail how to read your Equifax report. It doesn't matter if you are just trying to better understand credit, navigage your report, or make sure there are no errors or fraud. This video will walk you through how to read your Equifax Credit Bureau like a pro!
For the full Video - https://youtu.be/PEVHQOAFw64 
Links:
How to get and download a copy of your Equifax report - https://youtu.be/Z03_DvfFY38Is your Credit Score accurate? Don't let it mislead you - https://youtu.be/yKVKM4n34gg What are your options when you find errors on your Credit report - Coming soon What to do when Fraud happens to you - https://youtu.be/VILpW20W2BA Hard hit (inquiry) vs Soft hit (inquiry) - https://www.youtube.com/watch?v=gQ1lAneeVAA How long does a credit inquiry stay on my Equifax report - Coming Soon Why it is essential to review both your Equifax and TransUnion reports - https://youtu.be/StxF6ZcrlJ4 How to file a dispute with Equifax report - Coming Soon How to get and download a copy of your TransUnion report for Free - https://youtu.be/K6a_R8gZFnw How to read your TransUnion Credit report - https://youtu.be/BWFO_C336BM

Collection Agencies - Their Bark is worse than their bite

Collection agencies in Canada are notorious for their loud bark and agressive collection tactics. If you have seen a collection on your credit report or you are being harrassed by by a collection agency, make sure you watch this video. We go through the statute of limitation in Canada, what happens when a collection is paid or settled, and why their bark is worse than their bite. We also cover a few tricks that will save you thousands when negotiating with a collection agency.
LINKS
How to save thousands when negotiating with collection agecies https://youtu.be/jUi7LMKAAFk
The limits of the Statute of Limitation in each Canadian Province! https://creditgame.net/wp-content/uploads/2022/10/Satute-of-Limitation.png 

Credit 101 - What they should have taught you in school

Did you take Credit 101 in school? I certainly didn't, I wonder if I would have got an A in the class... It doesn't matter if you are New to Canada, just beginning, or well experienced, you need to know Credit 101 if you want to have good credit. There are many popular myths floating around in Canada about credit cards, and it is not common sense If you want to build good credit or always have amazing credit, It is important to know how to use a Credit Card properly.
Resources:
Best Secured Credit Card https://creditgame.net/free-resources/secured-credit-cards/
What is the ideal limit for a Credit card? https://www.youtube.com/watch?v=G4gduk4VwKA&t=2s
Credit utilization explained https://youtu.be/9JNnVQT2Qc0
Why closing an account really lowers your score https://youtu.be/nBA73yYY1EI
Why a high score is not enough https://youtu.be/B0go_iYJ5eI 
How to use a Credit Card PDF https://creditgame.net/wp-content/uploads/2022/12/Credit-Cards-With-Tag-Blue.png

How to Rebuild your Credit Score Fast! (Credit rebuilding product reviews)

Have you been through a Bankruptcy, Consumer Proposal, Credit Counseling, a Debt Management, or some other debt program? Or maybe you just have bad credit and you are looking to rebuild your credit score fast! In this episode, we discuss the Credit Conundrum many canadians face, which is, "how can I rebuild my credit when I can't get approved!? We will answer this question for you so you know the best types of credit to rebuild your credit score fast!
There are a lot of different credit products that are being pushed and sold as a great way to rebuild your credit score. It doesn't matter if it is rent, lines of credit, loans, or credit cards...some types of credit rebuild your credit faster than others. Find out which one will work best for you. 
Individual Credit Product Reviews:
Other Reviews:
Can Rent Build your Credit in Canada? - https://youtu.be/lgwX7getc7U  KOHO Credit Rebuilding Line of Credit - https://youtu.be/VJXOLU9y2kY
Credit Rebuilding Loans in Canada:
Refresh Financial Credit Rebuilder Loan Review - https://youtu.be/tQUDQJKch6ASpring Financial -The Foundation loan Review 2023 - https://youtu.be/nvX6-d3EW9MBorrowell Credit Builder Review – https://youtu.be/r8xXpVryRfwRSP Loans –https://youtu.be/YxRsdm5CeqIPayday Loans – https://youtu.be/4VsW7Rs7WXMPaybright reviews - Basically the same as Payday loansSezzle Review Canada - Basically the same as Payday loans
Credit Rebuilding Credit Cards in Canada:
Major Bank Secured Credit cards - https://youtu.be/p7etRSGssT4Neo Credit Card Review Canada – https://youtu.be/dUL8_1uUt6AHome Trust Secured Credit Card Review - https://youtu.be/hsarbSwRCboPlastik Secured Credit Card Reviews - https://youtu.be/CzvUuCZArkoPeoples Trust (No longer available)Refresh Financial Credit Card Review - (No longer available)KOHO Credit Card Canada - https://youtu.be/2eHcflE8AGICapital One Guaranteed Mastercard Card - https://youtu.be/rP22dfzAEjo 
 
MY STREET CRED: - https://creditgame.net/street-cred/ RESOURCES BOOK: The Credit GameFOLLOW US: WEBSITE - https://creditgame.net/ PODCAST – On Apple, Google, Spodify, and others FACEBOOK – https://www.facebook.com/TheCreditGameCanada INSTAGRAM - https://www.instagram.com/creditgamecanada/ 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*: https://www.facebook.com/groups/731868324863099 https://www.linkedin.com/groups/14056075/ 

The Worst thing for your Credit

Yes, a bankruptcy or any debt program showing up on your Credit Report will hurt your credit in Canada. However, if you are looking to apply for Mortgage financing in the future, there is one thing that is even worse. A foreclosure in Canada is one of the worst things you can do for your Credit, which is why I call it, “the Credit F Word. The Canadian housing market has been crazy the last few years and if you are looking at a Foreclosure, make sure watch this video so you know exactly how it will affect your credit and your chances of getting approved for a mortgage for the next 8 plus years.
Resources:
LINKS
Mortgage insuriers - https://youtu.be/Cpj7PlDu9Kk
Backend Mortgage insuriers - https://www.linkedin.com/pulse/back-end-mortgage-insurance-the-credit-game
Which debt program is better for your Credit- https://youtu.be/q70E531ldqw
Pros and Cons of Bankruptcy - https://youtu.be/cvP1rDpt9ew 
Pros and Cons of a Consumer Proposal - https://youtu.be/3AI43NFT-U0 
 
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

Why a High Credit Score is not enough

Society might be obsessed with talking about your credit score, but there are somethings that are even more important than this three digit number. Find out why a high credit score is not enough to qualify for best rates and terms in Canada.
LINKS -
The score you see is not what the banks use - https://youtu.be/yKVKM4n34gg
Why a Credit Card is better than a loan for your credit - https://youtu.be/IjTNlju7cm4
Build your Credit while you Sleep https://youtu.be/mpMA9ysljBE
Secured vs Prepaid - What you need to know! https://youtu.be/uYY8ls-8BrM
Does it hurt your credit if you increase your limit? https://youtu.be/3YAkKNlAiAI
What age should you get a credit card? https://youtu.be/x-HdyLrrAW4
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 
 

Which Debt Program is best for your CREDIT!

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

Joint Credit Roulette

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
 

Credit Minitoring - Credit Self-Defence for Less!

Fraud is the fastest-growing crime in Canada. One way to help avoid fraud is to monitor your credit through Equifax and TransUnion. Equifax calls this program "Equifax Complete Preimier". TransUnion just calls it, "TransUnion Credit Monitoring. We'll also go through the best credit monitoring system in Canada, or what I call - "Credit Self-Defence, 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 US:
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...