The Credit Game

05/26/2025

Another reason why it is important to know the rules of the credit game. Just a heads up, with Equifax, it is 6 months of no activity that can make bring your score to zero, not 2 years as mentioned in the article.

Equifax customer David Tregear has spent over a year battling the company after his credit score suddenly vanished, leaving him unable to borrow money or get credit cards. Tregear had no idea why until CBC’s Go Public uncovered a little-known rule allowing the credit bureau to reset credit scores ...

03/13/2025

There is a lot of confusion if it is good or bad idea to have a zero balance or prepay your credit card. Although, Jessilyn Moxley might not like my answers, it is still good for you to know. https://youtu.be/fevlt7kmIRo

Despite what your Mom may have taught you, there are more Canadians keeping a small balance on their credit cards believing that it will improve their credit...

02/27/2025

Our trip last year out of the country inspired Jessilyn Moxley and I to focus some videos to help those that are New To Canada. For those that are new, welcome, and here is a video that goes through why credit in Canada is so important! https://youtu.be/B3Lgq5cxEso

When you are a Newcomer to Canada, it is important to know what credit is and why it is so important. Find out why Credit for Newcomers is so important so it...

12/24/2024

I don't know why Jessilyn Moxley is so upset. Just because she loves Christmas, doesn't mean I do. Regardless, if you feel the magic of the season or feel like the Grinch, I hope you have a great end of 2024 and 2025 is even better!

12/05/2024

Is it possible to get a mortgage while in a consumer proposal? That depends if you are already have a mortgage or looking for new financing. Jessilyn Moxley and I go through both scenarios. https://youtu.be/ewWD7oqoz2o

11/27/2024

If you know anyone that is looking at a consumer proposal, make sure they watch this video first. Jessilyn Moxley and I go through some things you can do before you sign with the trustee that will save you a lot of time and money after you've completed the proposal. https://youtu.be/KdSP6392l2Y

Are you thinking about entering into a consumer proposal? Here are three things you need to know before you sign with a trustee. Resources:- How to get a Fr...

11/21/2024

There aren't too many unsecured credit card optinos for those who are trying to rebuild their credit. Check out this review we did for the Canadian Tire Triangle MasterCard. Jessilyn Moxley and I, both like it for very different reasons.

Are you looking at rebuilding your credit and wondering if you can get approved for the Canadian Tire Triangle master card? The good news is the minimum cred...

11/14/2024

If your score is not going up and you are in a Consumer Proposal, this video goes through why this is. Jessilyn Moxley and I go through why focusing on your score while you are in a proposal will drive you a little crazy. https://youtu.be/msFidIxJ4yQ

Are you in a Consumer Proposal and not sure why your credit score isn't going up? Jessilyn and I go through some important reasons why your score won't incre...

11/14/2024

If your score is not going up and you are in a Consumer Proposal, this video goes why. Jessilyn Moxley and I go through why focusing on your score while you are in a proposal will drive you a little crazy. https://youtu.be/msFidIxJ4yQ

Are you in a Consumer Proposal and not sure why your credit score isn't going up? Jessilyn and I go through some important reasons why your score won't incre...

11/07/2024

I see a lot of Canadians waste money with "Credit Rebuilding" products that don't really help improve their credit. If you are in a consumer proposal, here is the best way to improve your credit.

There are a lot of different products that advertise that they can help you build your credit while you are in a Consumer Proposal. However, not all credit r...

09/18/2024

If you have completed a consumer proposal and you are trying to rebuild your credit, here is the most commonly overlooked step! The sad part, it is also the most important step you can take in increase your score and get approved for best rate financing once again. https://youtu.be/KZuZ7Y6JTLI

I get it, you have hard inquiries showing up on your Equifax or TransUnion report and you want them removed. There is a lot of chatter online about hard inqu...