In this week's episode of Debt Free in 30, credit expert Richard Moxley returns to tackle the burning question: Why are credit reports always wrong? From the importance of credit ratings to practical tips on finding and fixing errors, we cover it all. Discover how to navigate post-insolvency challenges, handle account changes, and conquer stubborn collection accounts. Don't miss this deep dive into credit report complexities with actionable solutions!
Timestamps:
00:00 Introduction
01:21 Why is my credit rating important?
04:19 Do I care what's on my credit report if I don't plan to borrow?
07:54 Should you check your credit report for errors?
09:40 Is current employment updated on your credit report?
11:00 How do you I find errors on my credit report and what errors do I look for?
14:11 I filed a consumer proposal why is a creditor reporting I am behind on my payments?
17:25 What happens if you sue the credit bureaus.
20:36 Can you go to individual creditors to fix errors on late payments?
23:21 Are there any strategies you can use to fix errors on your credit report?
28:00 How much will it cost to have a credit expert fix the errors on my credit report?
29:08 Are free credit score apps worth it?
33:14 Disputes and account numbers
37:24 Concluding comments
Related Links:
Have a question or comment for a future show? Leave us a voice message here: https://www.hoyes.com/dfi30comments
Richard Moxley's Website: https://creditgame.net/
The Credit Game: Rules Every Canadian Must Know to Win: https://www.amazon.ca/Credit-Game-Rules-Every-Canadian-ebook/dp/B07XKG1VHP
TransUnion Credit Report Explained: https://www.youtube.com/watch?v=BWFO_C336BM
How to get and print your FREE Equifax report: https://www.youtube.com/watch?v=Z03_DvfFY38
How to get and print your Free credit report from TransUnion: https://www.youtube.com/watch?v=K6a_R8gZFnw
How to Dispute Errors on Your Credit Report: https://www.youtube.com/watch?v=zuuGtBR40QY
How to Rebuild Your Credit Score Fast!: https://www.youtube.com/watch?v=Y6OJoQPia28
How to Read a Credit Bureau: Equifax Canada: https://www.youtube.com/watch?v=PEVHQOAFw64
Debt Free in 30 Episode #284 - Rules to Master Your Credit with Richard Moxley https://www.youtube.com/watch?v=jP6etPo_CQc February 8, 2020 (from Toronto)
Debt Free in 30 Episode #329 - Fix Bad Credit Yourself - Tips & Tricks From an Expert https://www.youtube.com/watch?v=BtncJCxN4So December 19, 2020 (by Zoom)
7 Facts About Your Credit Rating (What's in your Credit Score?)
https://www.hoyes.com/blog/7-facts-credit-rating/
Free Credit Score Comes With a Catch:
https://www.hoyes.com/blog/free-credit-score-comes-with-a-catch/
The Big Credit Score Scam:
https://www.hoyes.com/blog/the-big-credit-score-scam/
What Are The Common Factors That Affect A Credit Score?:
https://www.hoyes.com/blog/what-are-the-common-factors-that-affect-a-credit-score/
