Hubby is been living in Auckland more than a decade here. Came here on student visa Studied here & work hard. Always been business minded so he’s self employed here.
Hi there shilpa I live in NZ, Auckland:) & Never come accross of any damn any sort of hurdles in my life here all bcoz of my well focused kamau husband:):) he has his own immigration advisor & education consultation firm here. All the struggle he did in this country & that too before our marriage when he was bachelor here. He’s a property lover so having 3 properties in AKL & all I always did are my signatures everywhere. So blessed have this beautiful life here.
246 likes without single dislike shows how much people want you guys to make videos... kudos for making this channel successful in such short time.. Im sure it will grow into one of the best Canadian vlog channel.. keep up the good work.
Moreova blessed with two beautiful lil boys older one jus turned 6 & younger one is 3. So a full time mum since been 6 yrs now. Everything every expense hubby’s taking care of!! Khudi ko kar itna buland...
Why is there difference of what I see in CK vs what I see in Borrowell : it’s significant difference of about 100 pts. I hardly keep anything pending on credit card for more than a day, pay it off. Utilisation is always less than 30% , whenever I did more than 30% I paid the same day as well
Credit Karma is Transunion Report and Borrowell is Equifax report...both these bodies have different ways and scoring to access your score and Transunion score is always close to 100 points higher than Equifax..Let your credit card bills come, pay them once the statement is generated so that Credit card companies report to credit bureau, definitely your statement bill should not be more than 30% of your card limit, but atleast some bill to pay should be there, else there will be no reporting to credit bureau.
@@chitchatwithshilpa isn’t that weird. Always Paid bill in max 2-3 days , my statement does gets generated, it’s not like zero dollar gets reported. So now I change my approach , not pay it immediately, rather wait until bill is generated
I started seeing your old videos and this is the first one .. wow it’s really informative .. but Amit I have question is it necessary to have credit cards.. bcoz I am person who loves debit card more than credit cards
You need 2 credit lines to develop your credit score. That could be credit cards or you may have a post-paid phone plan + any loan (ex. Car loan) etc. Hope that answers your question.. Amit
When you request a credit report for yourself, there is no credit check and it doesn't impact your credit score. Only when someone else requests a credit report for you, your score is affected.
Query - when skmebodycome to canada and carry some huge amount along 150k or 250k How to manage this.... deposit in one bank ,if not ..how and ... in this case whats the best way to manage this fund to get a better credit score ... and how does the score build .. like how and how much on wht .... some details
What about if someone is using very less %age of limit. Like I use hardly 4-5% of my total limit on my 2 cards. My credit score is very low though I pay my credit card bills and all other bills on time
You guys are amazing. Very informative content. Just a suggestion, you guys can make a video on how you both met and got married only if you both like to share. 👍
Nice informative dear Mam if I am 40+ years old and 10+2 education and working in Canada as truck driver can I eligible for permanent residence or age does matter 2nd How many times We can extend our work permit if we don't apply for permanent residence
Try to keep some balance to pay.. (of course less than 30% of your card limit).. No balance to pay means the financial institution has nothing to report to credit bureau. So it is less likely to make a change in your credit score.
PLZZ mai aapne spouse visa lagne ka wait kar rahi hoon abhi tak mai india mai he hoon 2020 mai meri shadi hui PLZZ bataiye .. mam ki kese kabtak aa jaega spouse covid le doran
Well educated log ki baat hi alg hoty h... Good Human being also u r.
Shilpa is a pro home buyer and canadian home expert💃💃 happy vlogging💕💕
Hubby is been living in Auckland more than a decade here. Came here on student visa Studied here & work hard. Always been business minded so he’s self employed here.
Hi there shilpa I live in NZ, Auckland:) & Never come accross of any damn any sort of hurdles in my life here all bcoz of my well focused kamau husband:):) he has his own immigration advisor & education consultation firm here. All the struggle he did in this country & that too before our marriage when he was bachelor here. He’s a property lover so having 3 properties in AKL & all I always did are my signatures everywhere. So blessed have this beautiful life here.
246 likes without single dislike shows how much people want you guys to make videos... kudos for making this channel successful in such short time.. Im sure it will grow into one of the best Canadian vlog channel.. keep up the good work.
Ur comment made my day...Thank you for spreading positivity and hope in the world..:) Stay connected..
I made it so early.
Can we just appreciate how pretty Shilpa hair is looking today. Goals 😍
Made my day...Thanks 😀😀
@@chitchatwithshilpa Shilpa baji always looks elegant and nice
Very good information for those who want to check their credit score and improve it
I've been using my credit score all the way wrong until i watched this video. Thanks alot really helpful video. 🔥
Glad to know that it was helpful for u..😀
Bhot hi clearlity nal samjhaya good vedio 👍 carry on
Wonderful information! I have been here for 6 years and no TH-cam video is such extensive. So nice of you guys 👍🏼
Thank you 😊
Brilliant video!! Let me know if i have missed any other videos i have missed to watch on your channel!!
Thank you for the valuable information.
Even after staying 10Yrs.in Canada,Some of the information,I was not knowing.Its need lots of research.Keep it up guys!!!
Thank you 😊
Excellent video Shilpa and Amit. 3 months se hum aye hue hain hame to hosh hi nahi tha credit score ka kuch. Ab build karen ge
All d best
Extremely Important Information
Outstanding
Thank u so much .
Why this video has so less views? It should be viral..
Moreova blessed with two beautiful lil boys older one jus turned 6 & younger one is 3. So a full time mum since been 6 yrs now. Everything every expense hubby’s taking care of!! Khudi ko kar itna buland...
Please make a comparison video between Canada vs USA
Thanks.
Impressive Amit
Thank you 😊
Why is there difference of what I see in CK vs what I see in Borrowell : it’s significant difference of about 100 pts. I hardly keep anything pending on credit card for more than a day, pay it off. Utilisation is always less than 30% , whenever I did more than 30% I paid the same day as well
Credit Karma is Transunion Report and Borrowell is Equifax report...both these bodies have different ways and scoring to access your score and Transunion score is always close to 100 points higher than Equifax..Let your credit card bills come, pay them once the statement is generated so that Credit card companies report to credit bureau, definitely your statement bill should not be more than 30% of your card limit, but atleast some bill to pay should be there, else there will be no reporting to credit bureau.
@@chitchatwithshilpa so basically I should not pay immediately & wait for the bill to be generated (of course less than 30% usage)
You got it right..
@@chitchatwithshilpa isn’t that weird. Always Paid bill in max 2-3 days , my statement does gets generated, it’s not like zero dollar gets reported. So now I change my approach , not pay it immediately, rather wait until bill is generated
Very informative
Excellent analysis!!
Thank you 😊
Quick progress 👍👍👍
Super informative 👍👏
Superb, spoken out of my heart, really appreciate
Informative video
Very well explained 👏👏this time Amit did good job 👍love ur thumbnail expressions 😍
Thank you so much 😀
Informative content and great video quality as well.
Much appreciated!
Thank you Amitji for valuable discussion.
Very informative video
very Informative video such a good discussion you both had! Thank you for making this❤️
If you are banking with RBC - it lets you see your credit score at any time :)
You are right...Same with Scotia bank...
Thnk u for information👌
The background art is😍
shilpa mam aap so smart....realy
Usefull information Thank you both
Thank you for watching 🙂
thanks for the video.... Was very helpful
Informative video ma'am ❤️
Attendence, First viewer & comment🙋🏻♂️
Marker Present Sir..
Very informative video 👍🏻👍🏻
Thanks a lot
I started seeing your old videos and this is the first one .. wow it’s really informative .. but Amit I have question is it necessary to have credit cards.. bcoz I am person who loves debit card more than credit cards
You need 2 credit lines to develop your credit score. That could be credit cards or you may have a post-paid phone plan + any loan (ex. Car loan) etc. Hope that answers your question.. Amit
Thank you so much
Hi !!! Shilpa ji nd Amit ji..very informative video ... i am from Bahrain 😊 bless you both 💕
Thank you so much Maya Ji..
Extremely informative video, it helped us!
Glad it was helpful!
very informational video.👌🏻
Glad you liked it
will these website like borrowell do soft check or hard check while sharing our credit report?
When you request a credit report for yourself, there is no credit check and it doesn't impact your credit score. Only when someone else requests a credit report for you, your score is affected.
Make a video of Canada healthcare system
Good info. Your hair is lovely shilpa. Is it natural or perms done
Thank you..:) No perms..Thankfully these are Natural..:) I am maintaining these now after years of chemical straightening done on these..
You guys are tooo good🌟🌟🌟Mr and Mrs Awesome 🤩 😁awesome content🌟
Thank you so much 😀
ChitChat With Shilpa 😊😊🌟🌟if some day any random person in Caledon waves at you by calling you Mrs Awesome... do remember this comment😁🤗
@@ashutoshsharma841 will call him Ashutosh .😀😀
ChitChat With Shilpa 🌟🌟🌟🌟
Query - when skmebodycome to canada and carry some huge amount along 150k or 250k
How to manage this.... deposit in one bank ,if not ..how and ... in this case whats the best way to manage this fund to get a better credit score ... and how does the score build .. like how and how much on wht .... some details
Good info👌
Love from my side ❤️😘
Amazing information about Canada PR ♥️♥️
Hey Shilpa great stuff. If possible, Could you please give an insight on credit cards in Canada ?
Why not..will make one video..
Its very helpful thanks
Most welcome 😊
What about if someone is using very less %age of limit. Like I use hardly 4-5% of my total limit on my 2 cards. My credit score is very low though I pay my credit card bills and all other bills on time
great Info
Thanks for watching!
Should we also pay our monthly rents also through credit card.
No harm if the landlord or the building management allows so.
Is the credit report included in the 4 no. of attempts you get per year? Does it show the Credit Report as a hard or soft check?
Channel name should be chit chat with Shilpa and amit
ma'am which country is better for the finance field ( UAE or Canada )
Any other suggestion
SHILPA JI, AGRICULTURE RELATED JOB KA KUCH IDEA MILA AAP KO??
Shilpa ji please interview indian CA living in canada
You guys are amazing. Very informative content. Just a suggestion, you guys can make a video on how you both met and got married only if you both like to share. 👍
Thank you so much... nothing much to share but will try..Thank u :)
Nice informative dear
Mam if I am 40+ years old and 10+2 education and working in Canada as truck driver can I eligible for permanent residence or age does matter
2nd
How many times We can extend our work permit if we don't apply for permanent residence
please provide in the description what you mention in the video.
Sorry for the delay..Its added in description box..
Love you so much guys .where are you from guys??
North India... :) Haryana, Rohtak and Hisar..
@@chitchatwithshilpa I am also from meham farmana yeeeeeeee
@@ayushmann4972 Good to know...:)
After 4 years in Canada, mine score is 812 😋
Thank you for these tips. My score always revolves around 721-734, how to improve that?
Follow all steps Amit explained in this video. Good luck 👍
My score is 730 from last 6 months no increase in that I pay everything before the CC bill is generated. I have 2 CC and score is still same.
Try to keep some balance to pay.. (of course less than 30% of your card limit).. No balance to pay means the financial institution has nothing to report to credit bureau. So it is less likely to make a change in your credit score.
@@chitchatfamily sure I ll try to do that.
You can check the free credit score on online banking.
Yes, u can...but not every bank has this facility..
Hi Shilpa,
As your are recurter. Do you have any contact for IT job .
I am looking for a IT job.
Please help me
PLZZ mai aapne spouse visa lagne ka wait kar rahi hoon abhi tak mai india mai he hoon 2020 mai meri shadi hui PLZZ bataiye .. mam ki kese kabtak aa jaega spouse covid le doran
so nice info beautiful people💕💕💛💛💋💋✌✌✌
My score is 360... Wt to do?
Equifax
Hi Shilpa. If we use Transunion or Equifax to check credit score online, will it hit our overall credit score?
No, if you request credit report from your account, it will not hit your credit score at all. It's good to check it regularly.
@@chitchatwithshilpa Thanks. You are great :)
💙💙
❤️🎉👍🙏
Thats not true your history is maintained even if you close the card it will always that u used this card from 2018 to 2020 now the status is closed
Hi..i landed 1 month back here as new immigrant. Hope we meet sometime
Sure
And a person who is single and doing minimum earning with 40 hrs job....,how she or he can buy house
Hii Amit Sir kese ho Aapne दो दिन से बात नहीं की है मुझ से 🙏
Score means I never kw
Credit points based on your credit worth, credit limit and usage.
so beautiful dear💕💕💛💛💋💋✌✌✌✌
You should buy your 3rd home soon....
kya yaar tum bhi ............waise hi indian Canada jakar ............price up karne lage hai .............
Nice info but thoda overacting kam karo😬
Mam don't mind but are you a daughter of " javed akhtar" 😂😂😂
Good information