Young Money With Tracey Bissett

Julie Kuzmic is the Director of Consumer Advocacy at Equifax Canada, a credit scoring and reporting organization. Julie is recognized as an authority on consumer credit and is passionate about financial literacy and creating metaphors to explain the nuances of credit scores. She is a speaker on the topic of credit lifecycle, speaking to consumers, clients, and industry groups.   Julie joins me today to share what a credit report is and why you should care about yours. She shares how credit information is collected and used and reveals which credit inquiries affect your score. Julie also shares the most important things you can do to improve your credit score and explains why having no credit history can be a problem when you apply for significant credit, such as a mortgage.  “Nobody is perfect. We all make mistakes - and that includes with our money and financial decisions.” - Julie Kuzmic This Week on Young Money:   How Equifax collects credit information to create your credit report and score How a g