Debt Free In 30

483 – Why Are Credit Reports Always Wrong with Richard Moxley?

In this week’s episode of Debt Free in 30, credit expert Richard Moxley returns to tackle the burning question: Why are credit reports always wrong? From the importance of credit ratings to practical tips on finding and fixing errors, we cover it all. Discover how to navigate post-insolvency challenges, handle account changes, and conquer stubborn collection accounts. Don't miss this deep dive into credit report complexities with actionable solutions!  


00:00 Introduction 

01:21 Why is my credit rating important? 

04:19 Do I care what’s on my credit report if I don’t plan to borrow? 

07:54 Should you check your credit report for errors? 

09:40 Is current employment updated on your credit report? 

11:00 How do you I find errors on my credit report and what errors do I look for? 

14:11 I filed a consumer proposal why is a creditor reporting I am behind on my payments? 

17:25 What happens if you sue the credit bureaus. 

20:36 Can you go to individual creditors to fix errors on late payments? 

23:21 Are there any strategies you can use to fix errors on your credit report? 

28:00 How much will it cost to have a credit expert fix the errors on my credit report? 

29:08 Are free credit score apps worth it? 

33:14 Disputes and account numbers 

37:24 Concluding comments 


Related Links: 

Have a question or comment for a future show?  Leave us a voice message here:  

Richard Moxley’s Website: 

The Credit Game: Rules Every Canadian Must Know to Win:

TransUnion Credit Report Explained:

How to get and print your FREE Equifax report:

How to get and print your Free credit report from TransUnion:

How to Dispute Errors on Your Credit Report:

How to Rebuild Your Credit Score Fast!:

How to Read a Credit Bureau: Equifax Canada:

Debt Free in 30 Episode #284 - Rules to Master Your Credit with Richard Moxley February 8, 2020 (from Toronto) 

Debt Free in 30 Episode #329 - Fix Bad Credit Yourself - Tips & Tricks From an Expert December 19, 2020 (by Zoom) 

7 Facts About Your Credit Rating (What’s in your Credit Score?) 

Free Credit Score Comes With a Catch: 

The Big Credit Score Scam: 

What Are The Common Factors That Affect A Credit Score?: 


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Each week Doug Hoyes talks to industry experts about debt, money, and personal finance. Don't be confused; listen as the guest experts cut through the jargon and share practical advice.
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