Тёмный

TransUnion Credit Score and Credit Report EXPLAINED - How to Read Them | Philippines 

Oshean Lee Garonita
Подписаться 8 тыс.
Просмотров 3,8 тыс.
50% 1

If you recently got your TransUnion Credit Report in the Philippines (maybe because you've watched my video on how to get one), in today's video we will discuss how you can interpret your credit report and credit score from your reports! I will also share to you guys on how to file for a dispute just in case you need to.
How to file for a dispute: bit.ly/cic-online-dispute
For business 💼 and colabs 🤝, you can contact me:
📧: osheangaronita@gmail.com
📷 IG: @oshkoshlee
Timestamp:
0:00 Intro
1:16 Basic Details
1:47 Personal Information
2:18 Contact Information
2:32 ID Information
2:39 Address Information
2:51 Reported via Account
3:21 Reported Date
3:51 Credit Score
4:31 Credit Accounts Summary
5:31 Two Year Payment History
6:20 Enquiries
7:37 Glossary
7:46 Tips on How to Improve your Score
8:50 Outro
------------------------------------------------
Some links that you can use:
💳 Apply for a Security Bank Credit Card at no cost to you! bit.ly/osheanxsbc

Use my referral link crypto.com/app/ff2sdcawm5 to sign up for Crypto.com and we both get $25 USD 🙂
💰
Get Php 100 when you sign up for Shopback! Disclaimer that I will also get the same amount too: app.shopback.com/HGzHM1kOReb
💵
Use my link to buy from the best online insurance marketplace in the Philippines and get FREE Php 100 worth of GIFT CERTIFICATES from Sodexo: kwik.insure/at/olgaronita
------------------------------------------------
🎞️ B-rolls from Videezy.com, videvo, and pexels
🖼️ Some thumbnail assets from FlatIcon and Freepik
🎵 Music from:
Lukrembo - bit.ly/3cZcGmr
Joakim Karud - / joakimkarud
DJ Quads - spoti.fi/3tU1iz7
Jingle Punks - / @audiolibrary_
Blue Wednesday (courtesy of ChillHop):
spoti.fi/31bpnEW
chillhop.com/?p=5812
The Jazz Hop Cafe:
open.spotify.com/user/thejazz...
/ thejazzhopcafe
Thematic: hellothematic.com/
Music by Mr. Jello - No Going Back - thmatc.co/?l=05AFEDA1
------------------------------------------------
⚙️ Equipment:
🎥 Camera: Canon EOS M50 Mark II
🎙️ Microphone: BM 800
🎬 Video Editor: Wondershare Filmora X
------------------------------------------------
❗ DISCLAIMER: I am NOT a licensed financial advisor, so take everything that I say with a grain of salt, and always do your research. I am not and will never be responsible for any consequences of your financial decisions.
❗ In compliance with RU-vid's copyright and fair use policy, just a DISCLAIMER also that there are some parts of the video that are not mine, and they are used in accordance to the platform's Fair Use policy. The following clips were used:
❗ FTC Legal Disclaimer: Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes; it's just one more way to support me and my channel! :)
Stay educated!
- Oshean

Хобби

Опубликовано:

 

23 июл 2024

Поделиться:

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист
Посмотреть позже
Комментарии : 47   
@shycarandang
@shycarandang 2 года назад
So soo helpful! Thank you!
@osheanlee
@osheanlee 2 года назад
You're welcome, Sherry and thank you also! :D
@ma.rosariomission362
@ma.rosariomission362 2 года назад
so precise loved it. belated happy birthday dn po 🎂🎉
@osheanlee
@osheanlee 2 года назад
Thank you!
@Joelativo
@Joelativo 3 месяца назад
Yong id information pwde po ba ipa remove if mali ?
@adrianepenaranda3899
@adrianepenaranda3899 3 года назад
Hello, in any case you had delinquent credit card account before, is it possible that you can still improve ur Credit score by paying on time?
@osheanlee
@osheanlee 3 года назад
Hi Adriane! Yes definitely. :)
@tropapitz168
@tropapitz168 2 года назад
Hi, just a confirmation. Since nagrereport na si CIMB sa TU, meaning to say Revi Credit can help me build credit score? I was pre approved kase with their Revi Credit. TIA
@osheanlee
@osheanlee 2 года назад
Hi Rein, most likely. Not sure with REVI credit. But you can assume na yes they will submit sa CIC.
@kingsguitarist517
@kingsguitarist517 Год назад
Thank you for the info. Gusto ko lang malaman if ano yung account maintenance fee. And ichar2ge ba ako lagi dun as long na active ang acct? Thank you.
@osheanlee
@osheanlee Год назад
Account maintenance fee ng alin po? Sorry I don’t remember mentioning it kasi sa mga videos ko.
@kingsguitarist517
@kingsguitarist517 Год назад
@@osheanlee ah hindi mo na mention un sa videos mo. Sa overview ng metrobank cc details ko nakita yung "account maintance fee". Just wondering lng. Hehe
@kingsguitarist517
@kingsguitarist517 Год назад
@@osheanlee Account Maintenance Fee - PHP200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out.
@jesreel28
@jesreel28 2 года назад
Pwede ko ba i-include yung credit score ng trans union as a requirements kapag nagpafile ng new credit card?
@osheanlee
@osheanlee 2 года назад
Hi Jesreel! I think pwede naman. :)
@jazelannemaglalang1744
@jazelannemaglalang1744 Год назад
Question, I asked for a credit report for TransUnion and they cannot verify my identity. I asked them why, baka daw hindi pa lang na su-submit nung mga affliated banks yung record. Kaso yung car loan ko ay tapos ko na bayaran last year, that should mean may credit history na po ako dapat di ba? Thank you!
@osheanlee
@osheanlee Год назад
Yup dapat meron na. You have to tell your bank kung san ka nag-car loan about that.
@keirraevhenrojo2056
@keirraevhenrojo2056 2 года назад
Hello, pag may unpaid college tuition fee makikita din ba sa credit report?
@osheanlee
@osheanlee 2 года назад
Hi! Afaik hindi po. :)
@keirraevhenrojo2056
@keirraevhenrojo2056 2 года назад
Thanks po! another question lang, may negative effect po ba yung transferring your balance from one credit card issued by for example BDO to another bank issued credit card?
@osheanlee
@osheanlee 2 года назад
@@keirraevhenrojo2056 I'm not sure on this, but my smart guess would be wala. Kasi ang mangyayari is babayaran ng receiving bank yung balance mo (probably with interest? not sure). Pero yeah this is an interesting question. Thank you! Will note this.
@nikensantos1333
@nikensantos1333 3 года назад
Since high risk po kyo, na aapproved pa bo kyo sa regular CC? If yes, anong active CC nyo? Thanks!
@osheanlee
@osheanlee 3 года назад
Hi Niken! I currently have Security Bank :D
@osheanlee
@osheanlee 3 года назад
You can learn more here on this video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-3gVOBEoNSw4.html
@nicoestrera7176
@nicoestrera7176 2 года назад
Yung CIBI naman Sir
@GA-ow5im
@GA-ow5im 3 года назад
Sir, ang secured credit card will also help our credit score to increase?
@osheanlee
@osheanlee 3 года назад
Yes po :)
@GA-ow5im
@GA-ow5im 3 года назад
Thank you sir. Ikaw ang pinaka engaged na vlogger sir!
@osheanlee
@osheanlee 3 года назад
@@GA-ow5im You're welcome and thank you also for watching! Yes to personal finance
@GA-ow5im
@GA-ow5im 2 года назад
@@osheanlee anong nga po ulit ung email address ng bsp na pwede icopy kapag magfollow sa bank na di nagrereply? I remember you mentioned it in one of your videos.. 🙂
@osheanlee
@osheanlee 3 года назад
Timestamp: 0:00 Intro 1:16 Basic Details 1:47 Personal Information 2:18 Contact Information 2:32 ID Information 2:39 Address Information 2:51 Reported via Account 3:21 Reported Date 3:51 Credit Score 4:31 Credit Accounts Summary 5:31 Two Year Payment History 6:20 Enquiries 7:37 Glossary 7:46 Tips on How to Improve your Score 8:50 Outro
@antoinnevondouche8907
@antoinnevondouche8907 2 года назад
Hi sure po ba kayo sa 950 score? kase alam ko is vantage score 3.0 ang gamit ng TransUnion ph na 850
@osheanlee
@osheanlee 2 года назад
@@antoinnevondouche8907 hello. sorry it should be 900. I based it here! www.transunion.ph/resources/transunion-ph/doc/credit-report-sample-and-guide.pdf
@Pauljack2370
@Pauljack2370 2 года назад
SSS loans, makikita ba sa credit report?
@osheanlee
@osheanlee 2 года назад
Afaik hindi. Since SSS money is public funds. But you can verify by checking the institutions na nagsusubmit sa CIC. Hope this helps!
@markaday7064
@markaday7064 2 года назад
Got 725 score high risk. Ano po ibig sbhin nun?
@osheanlee
@osheanlee 2 года назад
Hi Mark! It means that if a financial institution will give you a loan, there's a high chance that you might not be able to pay it. So that's why you are tagged as high risk. Hope this helps!
@terselaraaquino5191
@terselaraaquino5191 Год назад
Narereset po b ung mga hard inquiry?
@osheanlee
@osheanlee Год назад
I read somewhere na oo narereset. parang after 2 or 3 years ata?
@jenevy1870
@jenevy1870 2 года назад
Sss unpaid loan , kasama po ba sa transunion
@osheanlee
@osheanlee 2 года назад
Afaik hindi
@forzia704
@forzia704 Год назад
Kasama ba yung home credit?
@osheanlee
@osheanlee Год назад
yes
Далее
TransUnion Credit Report Explained (Canada)
14:13
Просмотров 1,4 тыс.
80 Year Olds Share Advice for Younger Self
12:22
Просмотров 1,3 млн
Украшаю чехлы 🎀
00:51
Просмотров 283 тыс.
HOW DEBT CAN GENERATE INCOME -ROBERT KIYOSAKI
15:31
What happened to Bluelearn? Final Thoughts
9:04
Просмотров 75 тыс.
SpaceX makes history with successful rocket launch
2:20
Getting Your First Credit Card
7:47
Просмотров 354 тыс.
One moment can change your life ✨🔄
0:32
Просмотров 33 млн
Платье для богинь на свадьбу
1:00