Credit Karma is the best for credit monitoring! It provides you with your credit report containing your score, tells you your ultilization, payment history all thoses things as well as how many acounts are open or in collections. How many hard credit checks you have had so on and so on! The most notable feature is the it credit factors section where it outlines the 7 factors that go into your credit score and how each one affects your score to a different level of impact! And tells you how well your doing in each factor so its really helpful to see what is going good or bad and where to put your focus! I'd suggested you check it out and make a video on it 😜
@@MoneyWithMark69 tells me my credit score, payment history, utilization any if anything is in collections... They use transunion credit info but it's free :) Borrowell uses Equifax I think and I have that one toom
What’s the difference of secure credit building of $40 ( and I pay $10 for this each month of the day of 9th ) and credit building of 100% for $225 ? ( pay $19 for every 28th of each month)
It just does a higher credit utilization rate. You should check your own utilization rate first by pulling a free Equifax & TransUnion report. I've also built a mini-course that helps! Check it out here www.moneywithmark.ca/credit-score-course/
Follow up. I have spoken to 17 associates. Each one wants the complete story. They gave me a telephone appointment for 11 am on the 11th of August. No call. I gathered everything and mailed everything to their Toronto office. Keep getting calls that they have not received all relevant documents. Hence a registered letter to KOHO Toronto. Moved on to another card. One that this gentleman highly recommended.
I don't utilize credit much. So I'm at a stale position for months now , I just started with a subscription of 7$/a month with a 100$ line of credit that I'll keep just for that. Hopefully it will be impactful as I'm stuck at 574 with no significant change.
There might be a lot of other factors at work with your score... I would recommend checking out my full credit score improvement course www.moneywithmark.ca/credit-score-course/
Followup. Today is the 25th Aug. KOHO, finally cancelled my old KOHO credit card and re issued a new one, but still is reviewing the fraud committed with the KOHO card. In the end, communicated with over 27 associates, mailed a registered letter with all evidence of relivence, including every email of every associate. This letter was sent to KOHO's Toronto office. Never ever receivd a phone call to speak to someone to resolve the issue at hand. Shame on KOHO. To you Kevin, you praise this credit card for all it's positive attributes, but never once do you approach the subject when the card is used fraudulently.
Wow! I'm not sure who Kevin is 🤷♂️ but that's a great story! You should add it to the real users reviews that im collecting at the bottom of this web page: www.moneywithmark.ca/reviews/koho-visa-card-review/
Hi. Great card for purchases, but if your card is used fraudulently, KOHO support is useless. Purchase was made on Amazon. My credit card at the time only had 32.00. The purchase was 100.00 US for a game card. Amazon was notified and within 24 hours a representative called me by phone, and shortly after an email was sent with their findings. A credit was sent to KOHO with no luck. Contacted KOHO support on 12th Jul 2023. 7 to 8 associates only communicating by text was a joke. To speak to someone, you have to make an appointment. My appointment is Aug 11, 2023. Canceled my card with a credit and told them they could keep my money. A conversation with Anazon on phone lasted about 5 minutes. A conversation by text with KOHO spans 6 days and a few hours of texting. Shame on you KOHO
Oh that's great! Check your credit report. Also you can watch this video to learn more about what goes into your credit score ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-E_ny4PqSsU8.htmlsi=CGRzYmJAzEYIQ4zL
Anytime! I also have a credit building course you can checkout if you're serious about raising your score! www.moneywithmark.ca/credit-score-course/ (shameless plug 😬)
Hi best prepaid card is Titanium plus prepaid mastercard. Hotel computer for some reason can't tell it's prepaid, only time this card doesn't work at the Hotel is you thought you had enough money on the card, but didn't. Always have extra on the card when dealing with hotels just in case!
@@MoneyWithMark69 do i have to load the 10 dollars into my account on the spendable card to cover the 10 dollar monthly payment or will it automatically be taken from my debit visa that is saved into my account. Thanks
Hi Mark, Can i get your e-mail? i'd like to talk to you to see if I can do a quick 1 on 1 with you to help improve my credit score. I am interested in buying your course but I just have a couple of questions and I want your personal opinion on my file. I can provide my credit report for you to have a quick glance at, if you're willing. I really appreciate the help.. if you have the time please let me know. Thanks
