@@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
@@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.
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 hello. sorry it should be 900. I based it here! www.transunion.ph/resources/transunion-ph/doc/credit-report-sample-and-guide.pdf
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
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!
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!
@@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.. 🙂
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?
@@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.
Yong id information pwde po ba ipa remove if mali ?
so precise loved it. belated happy birthday dn po 🎂🎉
Thank you!
So soo helpful! Thank you!
You're welcome, Sherry and thank you also! :D
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?
Hi Adriane! Yes definitely. :)
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.
Account maintenance fee ng alin po? Sorry I don’t remember mentioning it kasi sa mga videos ko.
@@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
@@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.
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
Hi sure po ba kayo sa 950 score? kase alam ko is vantage score 3.0 ang gamit ng TransUnion ph na 850
@@antoinnevondouche8907 hello. sorry it should be 900. I based it here! www.transunion.ph/resources/transunion-ph/doc/credit-report-sample-and-guide.pdf
Since high risk po kyo, na aapproved pa bo kyo sa regular CC? If yes, anong active CC nyo? Thanks!
Hi Niken! I currently have Security Bank :D
You can learn more here on this video: ua-cam.com/video/3gVOBEoNSw4/v-deo.html
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
Hi Rein, most likely. Not sure with REVI credit. But you can assume na yes they will submit sa CIC.
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!
Yup dapat meron na. You have to tell your bank kung san ka nag-car loan about that.
Pwede ko ba i-include yung credit score ng trans union as a requirements kapag nagpafile ng new credit card?
Hi Jesreel! I think pwede naman. :)
Yung CIBI naman Sir
SSS loans, makikita ba sa credit report?
Afaik hindi. Since SSS money is public funds. But you can verify by checking the institutions na nagsusubmit sa CIC. Hope this helps!
Got 725 score high risk. Ano po ibig sbhin nun?
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!
Kasama ba yung home credit?
yes
Sir, ang secured credit card will also help our credit score to increase?
Yes po :)
Thank you sir. Ikaw ang pinaka engaged na vlogger sir!
@@GA-ow5im You're welcome and thank you also for watching! Yes to personal finance
@@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.. 🙂
Narereset po b ung mga hard inquiry?
I read somewhere na oo narereset. parang after 2 or 3 years ata?
Hello, pag may unpaid college tuition fee makikita din ba sa credit report?
Hi! Afaik hindi po. :)
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?
@@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.
Sss unpaid loan , kasama po ba sa transunion
Afaik hindi