Ep.4 If Cash Is King, Why Does Credit Matter? Understanding Credit Scores🇨🇦 | WTF is a Credit Score?
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- เผยแพร่เมื่อ 4 ก.พ. 2025
- Buy WTF is a Credit Score? here: topmate.io/piy...
Are you completely clueless about credit scores? Feeling overwhelmed by terms like credit score, credit utilization, hard inquiries, and debt-to-income ratio?
The truth is, poor credit knowledge is costing you more than just money-it’s costing you peace of mind. Each decision you make without understanding credit can snowball into years of financial stress. Imagine losing out on opportunities because your credit score isn’t good enough, or being stuck in a cycle of debt because of poorly chosen credit cards.
Don’t worry-you’re not alone.
Welcome to "WTF is a Credit Score," the ultimate crash course for the totally confused.
In this series I will try to answer all these topics:
Reality check: Why your credit score matters more than you think
Importance of caring about your credit score even if "cash is king"
Simplest explanation of credit scores for beginners
Who tracks your credit information and why it’s important
Key factors that influence your credit score
Common credit score misconceptions for newcomers
Essential technical terms every credit user must know
How to read and understand credit card statements with examples
Overview of different types of credit cards and their benefits
Protecting your credit information and avoiding fraud
Practical tips to safeguard your financial data
Harsh truths about credit scores most people ignore
Best bank accounts for newcomers in Canada
Top credit cards in Canada for rewards and benefits
Understanding credit card points and how to maximize them
Practical advice for building and maintaining a strong credit score
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Thank you piyush for educating us. If possible can you bring videos with long duration if the topic requires more explanation. Thanks once again.
Hey, I am doing an 8-10 video series on credit with daily short videos.
Hey bro I missed my single phone payment and it hurt my credit score real badly, how to increase it? Or any ways to remove that from the credit report? How to increase it the way it was before?
recover your credit score after a late payment, follow these steps:
1. Catch Up on Payments: Pay the missed bill immediately to avoid further damage.
2. Goodwill Letter: If this was your first late payment, request your creditor to remove it as a goodwill gesture.
3. Dispute Errors: Check your credit report for inaccuracies and dispute any incorrect late payments with the credit bureau.
4. Build Positive History: Make on-time payments consistently, keep credit utilization below 30%, and avoid opening unnecessary new accounts.
5. Monitor Credit: Regularly review your credit reports to track progress.
Late payments typically stay on your report for seven years if accurate.
Ye series kam chal rahi hai! Lagta hai jo log miss kr rhe hai vo humare credit card rewards sponsor krte rhenge!!
Haha. Koi baat nahi. My job is to educate through this channel.