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!
Listen on:
Episodes
Wednesday Jun 15, 2022
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
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
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
Credit Rating PDF - https://creditgame.net/wp-content/uploads/2023/01/Ratings.pdfRepossessed 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/ What you need to know about collection agencies - https://youtu.be/djlk-HFQasU How to save THOUSANDS by negotiation with a collection agency - https://youtu.be/jUi7LMKAAFk The Credit "F-word" - https://youtu.be/WglSrnoKZOU Pros and Cons of Bankruptcy - https://youtu.be/cvP1rDpt9ew MY STREET CRED - https://creditgame.net/street-cred/RESOURCESBOOK – The Credit GameCREDIT COURSE:
• FOR ALL CANADIANS – The AHA! Credit Course• REBUILD CREDIT FOR MORTGAGE FINANCING – The Mortgage CREDucation Course • REBUILD CREDIT AFTER A DEBT PROGRAM – The Life after Debt CREDucation Course
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
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
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...