Credit Repair

Is 697 A Good Credit Score – THE TRUTH ABOUT CREDIT SCORES IN CANADA

is-697-a-good-credit-score-the-truth-about-credit-scores-in-canada

Is 697 A Good Credit Score – 5 Tips

This is the definitive guide on how to build credit in Canada. There is a lot of really bad information out there on the internet about credit scores in Canada, and I want to set the record straight. This video is explains the truth about credit scores once and for all. I discuss why you shouldn’t credit card hack, why you shouldn’t use free credit check and monitoring tools, the factors that go into determining your credit score, and how to improve your credit score.

I answer questions like How Can I Improve My Credit Score in CANADA? What is a Credit Score? Why Does a Credit Score Matter? How to get Approved for a Loan?

⭐️ Get “Secrets To Getting The Lowest Mortgage Interest Rate” at this link https://bit.ly/2PJkvEW ⭐️

Get your own credit scores by going to https://www.consumer.equifax.ca/personal/ or https://www.transunion.ca/

0:00 Intro
0:56 Credit Card Hacking
1:55 Free Credit Checks
4:09 What Affects Your Credit
4:21 Payment History
8:49 Used To Available Credit Ratio
11:42 Credit History
12:22 Public Records
13:49 Credit Inquiries
17:23 How To Improve Your Credit

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35 Comments

  1. A. Doling
    July 24, 2021 at 12:01 pm

    FYI…For Scotiabank customers, in the Scotiabank App there is a free TransUnion Credit Score option under My Updates tab. It's a great FREE service which updates monthly. What I really love about it is the Credit Score Report which lists all previous history loans and credit cards under your name so you can see if someone has fraudulently has opened a credit card under your name.

  2. DJC
    July 24, 2021 at 12:01 pm

    I have a missed cell phone payment from rogers last june of 2020 if i want to look for a mortage in like three years will lenders seriously go far that back and potentially shut the door in my face if thats my only missed payment? also can single guys qualify for a morgage making around 70 thousand a year (40,000 base salary and 30,000 average in commission?) or will they only look at my base salary as comission is unpredictable and not always guaranteed?

  3. Shanice Marcelle
    July 24, 2021 at 12:01 pm

    A tradeline means that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but they're credit history will reflect on your credit report…a parent or family member with EXCELLENT credit can be a "tradeline" I graduated college with 97,000 in debt"…that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off…Having that much debt can be overwhelming for ANYONE…Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found Kyle and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot 850creditrestoration🟡NET

  4. Shanice Marcelle
    July 24, 2021 at 12:01 pm

    A tradeline means that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but they're credit history will reflect on your credit report…a parent or family member with EXCELLENT credit can be a "tradeline" I graduated college with 97,000 in debt"…that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off…Having that much debt can be overwhelming for ANYONE…Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found Kyle and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot 850creditrestoration🟡NET

  5. CrazyVanquish
    July 24, 2021 at 12:01 pm

    In the middle of Nov of the year 2020 , I was reading an article about a particular credit repair agency raising their credit score from 300 – 800+ and how their clients were happy about was just reading this as a news article and surfing through the comments on YT when a simple comment from a user on YT caught my attention so i decide to get in touch with the company and he help me increase my credit score from 605 to 800+, he also deleted all my negative reports and raised FICO score to 810 now i’m good to purchase anything I want and will be approved for mortgages for sure , thanks a lot 850CREDITRESTORATION☯NET

  6. CrazyVanquish
    July 24, 2021 at 12:01 pm

    In the middle of Nov of the year 2020 , I was reading an article about a particular credit repair agency raising their credit score from 300 – 800+ and how their clients were happy about was just reading this as a news article and surfing through the comments on YT when a simple comment from a user on YT caught my attention so i decide to get in touch with the company and he help me increase my credit score from 605 to 800+, he also deleted all my negative reports and raised FICO score to 810 now i’m good to purchase anything I want and will be approved for mortgages for sure , thanks a lot 850CREDITRESTORATION☯NET

  7. sri nidhi moily
    July 24, 2021 at 12:01 pm

    Awesome video! I would love to buy a car for my business. I want the tax write-off. I have my DnB, EIN, and my business in order. My personal credit is 671. But I want the car in the business name and my rental properties also I have a broken lease from 2017 that's keeping me from getting a new apartment but it's not showing up anywhere on my credit report, also me and my ex-girlfriend had our names on the lease. I'm just finding out she filed a bankruptcy & the account is now "closed" apparently to the debt collectors… But after a friend referred me to 850CREDITRESTORATION🟡NET I can say there has been a total great turnaround to my credit score and I am now in the 800 CLUB

  8. sri nidhi moily
    July 24, 2021 at 12:01 pm

    Awesome video! I would love to buy a car for my business. I want the tax write-off. I have my DnB, EIN, and my business in order. My personal credit is 671. But I want the car in the business name and my rental properties also I have a broken lease from 2017 that's keeping me from getting a new apartment but it's not showing up anywhere on my credit report, also me and my ex-girlfriend had our names on the lease. I'm just finding out she filed a bankruptcy & the account is now "closed" apparently to the debt collectors… But after a friend referred me to 850CREDITRESTORATION🟡NET I can say there has been a total great turnaround to my credit score and I am now in the 800 CLUB

  9. Brad Carver
    July 24, 2021 at 12:01 pm

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting 850CREDITRESTORATION🟠NET , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team

  10. Brad Carver
    July 24, 2021 at 12:01 pm

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting 850CREDITRESTORATION🟠NET , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team

  11. Brad Carver
    July 24, 2021 at 12:01 pm

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting 850CREDITRESTORATION🟠NET , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team

  12. Baitali Vlogs
    July 24, 2021 at 12:01 pm

    When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using 850CREDITRESTORATION🎡NET .

  13. Baitali Vlogs
    July 24, 2021 at 12:01 pm

    When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using 850CREDITRESTORATION🎡NET .

  14. Baitali Vlogs
    July 24, 2021 at 12:01 pm

    When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said…I’ve seen & experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that my brother was able to get out of debts & bad credit to become his own boss 💪🏽 by using 850CREDITRESTORATION🎡NET .

  15. Dennard N
    July 24, 2021 at 12:01 pm

    I'm in California, I bought a vehicle, but in my shopping I had 12 hard inquiries done in a one-month period, I have heard (and I can't remember where) that in Ca. if you BUY a vehicle within 30 days of the first inquiry that any inquiries within that 30 day period would be combined into ONE inquiry. But this has not been changed on my reports which is giving me headaches alongside collections, charge offs & tax liens but a few weeks ago I read about ERNSTCALVIN▪NET from an article created from 2019 by a UK blogger. They didn't only delete all negative items that are giving Me headaches, they also raise my score by 265pts in Under 3 weeks using them ERNSTCALVIN▪NET

  16. CBR1000F Fan
    July 24, 2021 at 12:01 pm

    Perfect enslavement system

  17. Yediley
    July 24, 2021 at 12:01 pm

    What happens if I don’t pay one month of rent? My credit score is 780 and I am currently disputing with my landlord because I can’t give 60 days notice only 30. So I am wondering how badly would it affect my credit if I don’t pay the last month

  18. Bookable Bard
    July 24, 2021 at 12:01 pm

    RE: Credit hacking has two downsides.

    1. it requires you to frequently check your credit and thereby lowers your credit score from the frequent checks. Yes this is true, but if you were to do it once per year that isn't that many checks, and the rewards can sometimes be worth having a slightly lower score, so long as your score otherwise is pretty good. More something to be aware of rather than a reason to definitely not do it.
    2. It gets you in a situation with more credit and therefor you are more likely to use it and get into credit debt trouble. Again not a reason to not do it, its more of a thing to be aware of so you don't end up getting into trouble. Also its not even necessarily the case, very frequently people cancel their old cards when opening new ones.

    Your reasons for not doing this are awful.

  19. H A
    July 24, 2021 at 12:01 pm

    What do you do if you can’t get your credit score from equifax even after they take ur payment because they can’t indentify you. All the questions they ask does not reply to me. Does that mean someone stole my identity.

  20. 9skitso9
    July 24, 2021 at 12:01 pm

    Thank you 😊

  21. Toney James
    July 24, 2021 at 12:01 pm

    THIS CREDIT SCORE SHAM IS THE MAIN REASON COMPANIES TAKE ADVANTAGE OF CUSTOMERS BECAUSE THEY USE THIS CREDIT SCORE THING AS A FORM OF A WIP ON THE BACKS OF THE PEOPLE

  22. papapax
    July 24, 2021 at 12:01 pm

    is it true that if you walk in and inquire about a possible car purchase at a dealership that this affects your credit score? Sounds a bit too much but unsure if that’s accurate

  23. papapax
    July 24, 2021 at 12:01 pm

    Might be a stupid sounding question – but is credit score transferable? Like my bank is Scotia but I want to take out a loan at TD

  24. ser610ml
    July 24, 2021 at 12:01 pm

    Great information

  25. Adam Chase
    July 24, 2021 at 12:01 pm

    Are collections better paid in full or can I settle. Im looking at getting a mortgage in 2-3 years. Will this have a play in that?

  26. dsrevo79
    July 24, 2021 at 12:01 pm

    well i can still monitor my credit without actually getting to buy their loan offers…

  27. Duane Egan
    July 24, 2021 at 12:01 pm

    An excellent video. Well done Nolan. Thanks

  28. It’s KB
    July 24, 2021 at 12:01 pm

    My mother told me as a child that no man would marry me if I have debt. I watched her cut up her credit cards and always had this fear about credit cards and debt. I had to re-educate myself and now I use my credit card for everything, I never carry a balance and I have a credit score of 853. Credit cards are not bad if you know how to utilize them To actually be able to speak to someone and get exact information regarding my circumstances and assistance in clearing my record is priceless. This service is unequaled.Thanks for all your doings Fixmycreditdoctor🟢org

  29. It’s KB
    July 24, 2021 at 12:01 pm

    My mother told me as a child that no man would marry me if I have debt. I watched her cut up her credit cards and always had this fear about credit cards and debt. I had to re-educate myself and now I use my credit card for everything, I never carry a balance and I have a credit score of 853. Credit cards are not bad if you know how to utilize them To actually be able to speak to someone and get exact information regarding my circumstances and assistance in clearing my record is priceless. This service is unequaled.Thanks for all your doings Fixmycreditdoctor🟢org

  30. josue perez
    July 24, 2021 at 12:01 pm

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting 850CREDITRESTORATION🟠NET , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team

  31. josue perez
    July 24, 2021 at 12:01 pm

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting 850CREDITRESTORATION🟠NET , every negative items were deleted along with my BK Chapter 7, this changed my life and I am now in the 800 club with a clean reports and debt free. contact them using their website above for any credit problems. thanks a lot to this team

  32. Ed Kennedy
    July 24, 2021 at 12:01 pm

    I would like to know why there are so many different companies that give you way different scores?! Trans Union says I'm at 776, while Equifax says 677 but Cibc says 720 and they use Equifax???? Just a bunch of bs if you ask me.

  33. chris stapleton
    July 24, 2021 at 12:01 pm

    As a Realtor in the area, I have had to refer several of my clients to business's that specialize in credit repair. As you know companys are not created equal
    I want to personally refer you to CreditLord🌐oRg if you are in dire need of help with your credit report .

    Each of the clients that I've sent to their company has had positive results and I will continue to recommend to those in need of a "Band Aid" for their credit report.
    Thank me later

  34. olivia luke
    July 24, 2021 at 12:01 pm

    *hello, your credit determines how much trust you are worth, it helps to seperate the good customers from the bad ones, and it also helps identify high risk customers, in my youth i was careless and i never paid back early, i often used way more than my available credit, these things take years to go away, my credit got ruined, a came on here looking for answers and solutions then i got referred to CreditLord and they showed me exactly what they are capable of. i pulled my report today and i must say i’m very happy with what they did to my hard inquiries, i appreciate them. Creditlord*️⃣org*

  35. sherri gerald
    July 24, 2021 at 12:01 pm

    **I just want to thank you for all your hard work. I was very skeptical at first having never heard of someone who would help clear up one's credit file. After being turned down for a home loan I filed for my credit report to see what all was on it. To my dismay there were duplications, misinformation as well as things that weren't even mine. No wonder I couldn't get the loan. A friend from work said to look up credit lord in the Internet and so I did. After going thru about a dozen different websites, I was getting a bit discouraged. I finally saw the CreditLord0️⃣ORG and liked what I read.
    No "red-flags" went off so I decided to call. It was an easy, laid-back conversation explaining everything that can be done to improve your credit situation. It sounded good to me so I took them up on their offer.

    In just a month of hard work on Creditlord 's part, I am able to get my loan now. So much misinformation was deleted from my credit report that the banker was impressed and ok'ed my home loan.**