In this episode Mandyy talks about all things credit!

Check your credit score for free in Canada here.

Did you know, over the course of a lifetime, someone with poor credit versus someone with excellent, credit can be the difference of $200,000?!? That's why it's so important to dive into really learning about and optimizing how you manage your money and what your credit is.

The 5 Things that Make Up Your Credit Score:

● Your payment history
● The amounts you owe
● Length of credit history
● Types of credit (ex: credit cards, line of credit, mortgage, car loan, student loans, etc)
● And new credit

Common Reasons Your Credit Score Can Drop:
It's normal for credit to fluctuate around 30 points, for no real reason at all. But some of the reasons that can cause it to drop are:

 ● Your credit to debt ratio has increased
 ● Missed or late payment
 ● Someone taking credit out in your name, fraud
 ● Believe it or not, actually paying off a debt

Ready to learn more about credit from Mandyy so you can save thousands & thousands each year instead of paying it to lenders!?! Click here to join the Credit Crash Course Masterclass on Feb 15th, 2021. This masterclass will be taught live but if you can't make it, not a problem! You'll receive the replay to watch.

Ready to take your finances to the next level? Click here to fill out an application form and book in for a free call with Mandyy to chat further about financial coaching.

Make sure to follow Mandyy on Instagram at: @intentionallywealthyco

Want Mandyy's free spreadsheet that helps you to *actually* know how much your monthly expenses are? (because I bet you're forgetting to include your one off & random expenses! This spreadsheet will help you to get those numbers in there so you have transparency with where you're really at financially!). Click here to get it for free.

If you subscribe to the podcast and leave a rating & review, screenshot an episode and post it on your Instagram Stories and tag Mandyy in it (@mandyythomas) she will send you the Hack Your Expenses guide for free! (This e-book sells for $40 regularly).

Curious how a financial coach manages her money? Click here to read step by step, how Mandyy manages her personal finances!

Mandyy Thomas is an expert financial coach and speaker and the founder of Intentionally Wealthy Coaching. She saved $250,000 by age 26 and she's helped her clients to pay off over a million dollars in debt.

Mandyy helps people who make good money but feel like they're living paycheck to paycheck, to pay off debt, massively build their savings and reduce their financial stress. She also helps service based entrepreneurs and coaches set up a strong financial foundation by knowing how to save for taxes, pay themselves personally and continue to grow their business to greater profitability. Mandyy marries the strategy and tangibles with deep money healing processes, enabling her clients to feel more financially safe & secure by keeping more of their hard earned money.