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Richard Moxley

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BARG! Brokers Against the Rate Game is chalked full of resources for Mortgage Professionals across Canada. If you are looking to provide a great client experience, add more value, close more deals, and build long term client relationships, the BARG! Community is for you!

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How to help clients with collections!

It is very common to find a collection on your client's credit bureau. Find out the best ways to help your client deal with issues, so you can get them approved for best rate mortgage financing as quickly as possible. Resources: Video for your clients to help them better understand how to deal with collections - https://youtu.be/WR433BZk538 How to build your business with past Bankruptcies and Consumer Proposals - https://www.facebook.com/groups/731868324863099/posts/924611988922064Youtube playlist of debt programs - https://www.youtube.com/playlist?list=PLPRlFaBC4efSk91NoqR13DkaUwD-twMfThe importance of reviewing both Equifax and TransUnion with Jamie Ushko - https://www.facebook.com/groups/731868324863099/posts/788487322534532/ Garnishing Wages Definition - https://creditgame.net/wp-content/uploads/2023/02/Garnished-Wages-Definition.pngStatute of limitation map - https://creditgame.net/wp-content/uploads/2022/10/Satute-of-Limitation.pngHow long does a collection stay on the report - https://creditgame.net/wp-content/uploads/2023/02/Collection-on-report-timeframe.png How to save thousands by negotiating - https://youtu.be/jUi7LMKAAFk Ashley Pillay contact info PH: 647-667-0351 EMAIL: apillay@canadiandl.ca Links to get your client's credit report: FREE EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=gwmGM1iUgZA Direct link - https://www.consumer.equifax.ca/.../credit-score-report/ Mail in Request form (They no longer accept faxed in copies) - https://assets.equifax.com/.../creditReportRequestForm.pdf PAID EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=SguRJpNBcQc Directlink - https://my.equifax.ca/consumer-registration/?lang=en FREE EQUIFAX REPORT THROUGH BORROWELL: How to navigate the process - https://www.youtube.com/watch?v=DSMRjVhKHCM Direct link - https://borrowell.com/ FREE TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=Foh30VFVSOk Direct link - https://secure-ocs.transunion.ca/secureocs/home.html Mail in Request form – (I don’t suggest faxing it) https://www.transunion.ca/.../Consumer_Disclosure_Request... PAID TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=i8yTdUq-aZE Direct link - https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB FREE TRANSUNION REPORT THROUGH CREDIT KARMA: How to navigate the process - https://www.youtube.com/watch?v=XS-gtbms7pU Direct link - https://www.creditkarma.ca/

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How to use Credit to build your New-to-Canada Business

Even if you don't speak a second language, those who are New-to-Canada are amazing referrers and need your help. Newcomers generally are hard working, have savings, and want to buy a house; they just need help building their credit and getting a high score. In this episode, Gagan Luna go through some New-to-Canada tips and the best way to improve your clients credit. Resources: Conversation for your clients - Credit 101 - https://youtu.be/Ki9KZs7YXuI CIbil - https://www.cibil.com/ Best Secured Credit Card - https://creditgame.net/free-resources/secured-credit-cards/ The freaky truth about how closing a credit card can lower your score - https://youtu.be/nBA73yYY1EI How to get an International Credit Report for your clients- https://www.linkedin.com/feed/update/urn:li:activity:7029549321276506112The proper way to use a credit card - https://youtu.be/BXjW2P0ASBs How to use a Credit Card - PDF https://creditgame.net/wp-content/uploads/2022/12/Credit-Cards-With-Tag-Blue.png

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The Right Credit Rebuilding products for your clients

Do you have a client that has been through a debt program before or just has bad credit? In this episode, I go through different types of credit prodcuts and what you need to know before you recommend it to your clients trying to rebuild their credit. Resources: Same topic just for your clients - https://youtu.be/Y6OJoQPia28 The Underwriter's check list (The 2,2,2 rule) - https://www.facebook.com/groups/731868324863099/posts/915411879842075/ 5 reason you don't want to get a loan to rebuild your credit - https://www.youtube.com/watch?v=WglSrnoKZOU&t=1s Individual Credit Product Reviews: Other Reviews: Can Rent Build your Credit in Canada? - https://youtu.be/lgwX7getc7U KOHO Credit Rebuilding Line of Credit - https://youtu.be/VJXOLU9y2kY Credit Rebuilding Loans in Canada: Refresh Financial Credit Rebuilder Loan Review - https://youtu.be/tQUDQJKch6ASpring Financial -The Foundation loan Review 2023 - https://youtu.be/nvX6-d3EW9MBorrowell Credit Builder Review – https://youtu.be/r8xXpVryRfwRSP Loans –https://youtu.be/YxRsdm5CeqIPayday Loans – https://youtu.be/4VsW7Rs7WXMPaybright reviews - Basically the same as Payday loansSezzle Review Canada - Basically the same as Payday loans Credit Rebuilding Credit Cards in Canada: Major Bank Secured Credit cards - https://youtu.be/p7etRSGssT4Neo Credit Card Review Canada – https://youtu.be/dUL8_1uUt6AHome Trust Secured Credit Card Review - https://youtu.be/hsarbSwRCboPlastik Secured Credit Card Reviews - https://youtu.be/CzvUuCZArkoPeoples Trust (No longer available)Refresh Financial Credit Card Review - (No longer available)KOHO Credit Card Canada - https://youtu.be/2eHcflE8AGICapital One Guaranteed Mastercard Card - https://youtu.be/rP22dfzAEjo

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The Credit "F-word" (How to know if a property was included in an insolvency)

As a mortgage broker, you are forced to know a little about a lot of different industries. If you have a client that has been through a bankruptcy or consumer proposal, mortgage lenders require specific supporting documents. Today we have a special guest, Doug Hoyes - licensed Trustee, to help me explain what the underwriters require. We also cover, how to confirm if there was a foreclosure (what I call the Credit "F" Word) in your client's consumer proposal or bankruptcy. Resources: Resource to pass on to your client, so they can avoid doing the worst thing to their credit! https://youtu.be/WglSrnoKZOU Common Errors after a Bankruptcy - https://www.facebook.com/groups/731868324863099/posts/798611698188761/ Which debt program is better for your Credit in Canada https://youtu.be/q70E531ldqw Number to get your Bankruptcy or Consumer Proposal Documents - 1-877-376-9902 (client leaves a message and documents get sent out within a couple business days) List of Insolvency forms and what they are - https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/forms/forms OSB Website - https://ised-isde.canada.ca/site/office-superintendent-bankruptcy/en/licensed-insolvency-trustees/forms/forms Insolvency Terminology that is good to know: Debtors vs Clients - https://www.facebook.com/groups/731868324863099/posts/940883250628271 What is a LIT? - https://www.facebook.com/groups/731868324863099/posts/940990333950896/ What is a Trustee? https://www.facebook.com/groups/731868324863099/posts/941005557282707/ What is a debt consultant? https://www.facebook.com/groups/731868324863099/posts/940975210619075/ Who is the OSB? https://www.facebook.com/groups/731868324863099/posts/941006927282570/ What is an OPD? - https://youtu.be/MSK-fdILCPw

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The Underwriter's Checklist and the Ultimate type of Credit

Your clients might be obsessed with their three-digit number, but the underwriter is looking for more than just a high score. Find out what your underwriter considers Good Credit as we discuss established credit with Jill Mollering. We also review what I consider, the "ULTIMATE" type of credit! Resources: Which type of Credit accounts are best for your Credit - https://creditgame.net/free-resources/secured-credit-cards/ The difference between Secured Credit and Prepaid Credit - https://creditgame.net/free-resources/secured-credit-cards/ Jill Moellering's underwriters course - https://www.jillmoelleringmortgages.com/mortgagenerd

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What every broker needs to know about Debt Programs

What every Brokers needs to know about Debt Programs!Many Canadians have been through a debt program and are now looking for mortgage financing. In this video, I outline what every broker needs to know to get more business and help your clients. Resource Links: How to Save thousands when Negotiating Collections: https://youtu.be/jUi7LMKAAFk What your client needs to know before entering a debt program: https://youtu.be/q70E531ldqw Pros and Cons of: Bankruptcy- https://youtu.be/cvP1rDpt9ew Consumer Proposal - https://youtu.be/3AI43NFT-U0 Orderly Payment of Debt (OPD) - https://youtu.be/MSK-fdILCPw Credit Counseling - https://youtu.be/8MQccYhl9U4 Debt Settlement - https://youtu.be/jHrNzW9NcjQ Consolidation Loan - https://youtu.be/0Uy_ZzozgUY

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Joint Credit Roulette - How to WIN BIG by Educating your Clients!

Gambling can be fun, but not when it comes to your credit. In this episode, I dicuss with Jason Ferguson what is important to know about Joint Credit. Find out how to use this information to educate your clients and build your business! Resource Links Video to help explain to your clients the risks of Joint credit - https://youtu.be/G4gduk4VwKA What is a Spousal Buyout? -https://www.facebook.com/groups/731868324863099/posts/894337855282811/ What is PiggyBack Credit? -https://www.facebook.com/groups/731868324863099/posts/894001558649774/ Joint Credit Risks image - https://creditgame.net/wp-content/uploads/2022/11/Joint-Credit-Risks.png

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Credit Self Defence - To help your clients and build your business

Credit Self-Defence is essential, especially because Fraud is the number one growing crime in Canada. There are lots of tips and tricks to help your clients avoid the issue, but we also go through what you need to know when fraud happens to you, or your clients. Video to help explain to your clients: What to do (Step-by-Step) if they have been a victim of fraud: https://youtu.be/VILpW20W2BA Video to help explain to your clients: How to proctect themselves with Credit Self-Defecnce: https://www.facebook.com/TheCreditGameCanada/posts/869504554438514 Resource Links What your client should know before going to a police station: https://creditgame.net/uncategorized/police-station-fraud-101/ How to report Fraud: https://www.antifraudcentre-centreantifraude.ca/report-signalez-eng.htm Consumer Dispute links: Equifax - https://www.consumer.equifax.ca/personal/dispute-credit-report/ TransUnion - https://www.transunion.ca/assistance/credit-report-disputes How to get your credit report: Youtube Playlist with all the videos - https://www.youtube.com/playlist?list=PLPRlFaBC4efTkhgiYnljHJHtQJlksuN3p FREE EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=gwmGM1iUgZA Direct link - https://www.consumer.equifax.ca/personal/products/credit-score-report/ Mail in Request form – They no longer accept faxed in copies - https://assets.equifax.com/assets/canada/english/creditReportRequestForm.pdf PAID EQUIFAX REPORT: How to navigate the process - https://www.youtube.com/watch?v=SguRJpNBcQc Direct link - https://www.consumer.equifax.ca/personal/ FREE EQUIFAX REPORT THROUGH BORROWELL: How to navigate the process - https://www.youtube.com/watch?v=DSMRjVhKHCM Direct link - https://borrowell.com/ FREE TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=Foh30VFVSOk Direct link - https://secure-ocs.transunion.ca/secureocs/home.html Mail in Request form – I don’t suggest faxing it https://www.transunion.ca/content/dam/transunion/ca/consumer/documents/Consumer_Disclosure_Request_Form_en.pdf PAID TRANSUNION REPORT: How to navigate the process - https://www.youtube.com/watch?v=i8yTdUq-aZE Direct link - https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB FREE TRANSUNION REPORT THROUGH CREDIT KARMA: How to navigate the process - https://www.youtube.com/watch?v=XS-gtbms7pU Direct link - https://www.creditkarma.ca/

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BARG! Brokers Against the Rate Game is chalked full of resources for Mortgage Professionals across Canada. If you are looking to provide a great client experience, add more value, close more deals, and build long term client relationships, the BARG! Community is for you!

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Richard Moxley
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