5 Easy Ways to FIX and IMPROVE your CREDIT SCORE

Natatakatot ka ba na baka hindi ma-aapprove ang iyong housing loan? Hindi lang dahil qualified na ang income mo ay sigurado ng ma-aapprove ang loan mo. Having a good credit score gives you a great advantage!

You have to understand that before banks and Pag-IBIG approve your loan, they are checking your credit score and history. Paano kung ikaw ay may bad credit, pwede mo pa ba i-rebuild and ma-improve ang iyong credit score?

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[AvaAboy]

Hi Chris! Thank you so much. These are the things I wish they taught us in school. This is so important. More power to you!

[spritecoverdesk]

Finally, a vlog that really makes sense

[JohnAgra]

Aside from the speeches impediment, This Video was very informative and Helpful. Thank u

[avemelvintividad]

I'm practicing the 30% utilization but the problem with it is that credit card companies will seldom increase your Credit limit if they saw that your CC spending is low.

[shawnhaile]

well explained po sir. easy to understand. thanks

[lornalimon]

Very informative. Although hnd ko pa na try ma late mag bayad sa cc ko, Madalas naman akong mag apply for new credit card. Nakaka bawas pala ng cs yun. Thanks for this

[Leonoravmb]

Sobrang informative nito. Not sure bakit ang onti ng views.

[danielcarlosingente]

Is it possible na mag start ng credit repair business dito sa pinas. I've working as a credit repair specialist virtually. employer ko is American. I have 4 years experience on the field confident ako na magtayo ng business kaso lang san ako kukuha ng mga clients.

[janicerecamadas]

Thank you for this very informative vlog. I will start doing this..

[lima]

Yes sir. I was declined alot kht mataas nmn sahod ko. I also close other banks accounts that only had maintaining balance. I dont have credit card i want to apply but I got declined several times.

[islabi]

Exactly what im looking for. Thank you...very helpful ❤

[philclemsontan]

Hi Chris, just a quick question, for instance you do have a 95k credit limit and you bought a mobile phone worth 50k which basically smashes the 30% utilization ratio, but you paid the whole amount (one time payment) before the due date, would it affect your credit score still? 2nd question would be, is installment good for credit score, like buying an appliance for 24 months to pay as long as you pay the minimum due required for that specific item on time? Do you also have an idea, when is the best time to pay our credit card in the Philippines? I came across a video where an American guru said that, you have to settle the payment on a specific period of time before banks sent our credit history to the agencies. (after the closing date but before the due date) Thanks in advance!

[darrylcirilo]

Very detailed! Thank you for this informative video Chris! has subscribed to your channel

[lizettesalvador]

regarding 30yrs house loan in PIF
which is better:
1. i’ll do advance payment on principal, to shorten the payment year and mapaliit yung loan interest
2. maximize the 30yrs, considering mababa na din ang value ng ihuhulog ko in the longer run.

i keep holding this question to you pero hindi ko na maantay, or you can make a vlog for this, i think hindi lang ako yung may tanong na ganito to ☺️☺️

thank you in advance.

[melper]

Thanks for this Sir very informative. Pati po ba insurance payments kasama sa calculation?

[on.ur.markkk]

Thanks Sir Chris! This is really helpful!

[wella_bella]

Thank you for this informative information sir! Hoping for more informative videos like this.

[GA-owim]

Sir, is 3yrs retention period on credit record applies only on credit bureaus? Or including banks and other financial institutions?

[jennetteleron]

I want to ask if you have idea on building credit score for your own child

[boybakala]

Good pm po sir, ibig po ba sabihin hindi maganda sinasagad yung credit limit kahit binabayaran naman ng buo every month? Akala ko po kasi maganda sa credit score yung umuutang ng malaki sa credit card tapos babayaran ng isang bagsakan every month