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Try Aura free for 14 days at http://aura.com/charlie In this video, I go over the major changes that are coming to your credit report either this year or next year. Credit is so important to your financial and personal life because without it, you won't be able to get the best rates on loans and mortgages. Be sure to watch through the whole video to get a full explanation on the 4 changes, what they mean, who they affect, and what you can do about it. The most important part of this video is to understand how important it is to protect yourself from all of the fraud that's happening nowadays, especially as we advance in technology. There are so many new ways that people are losing money to scams, so please don't ever send money to anyone that you don't know or trust. Free stuff 💰: ► Get 5 Free Stocks on WeBull when you deposit just $0.01 (valued up to $12,600): https://a.webull.com/i/CharlieChang ► Join my FREE newsletter: https://www.hustleclub.co/ If you want to learn more about credit and what you can do to raise it, be sure to watch my other videos: How to RAISE Your Credit Score Quickly (Guaranteed!): • How to RAISE Your Credit Score Quickly (Gu... 6 Top Credit Cards that Pay me $1,000+ Per Month Cashback: • 6 Top Credit Cards that Pay me $1,000+ Per... Thanks for watching, and make sure to be careful of all the scams and fraudulent hacks nowadays! Please SHARE this video with a friend who could benefit, and be sure to LIKE and subscribe to get more investing videos like this on my channel. I hope you have a wonderful rest of your day -Charlie #CREDIT #CREDITSCORE #2022 Timeline: 0:00 - Intro 0:28 - Change #1: Medical Debt 1:55 - How Medical Debt Works 3:25 - Change #2: Buy Now Pay Later 4:35 - What Can You Do? 5:14 - Protect Yourself With Aura 6:22 - Change #3: Free Weekly Credit Reports 6:55 - Pull Your Credit Report! 7:46 - Change #4: New FICO 10 Score 8:57 - How To Have A Higher Score 9:40 - Recap 10:20 - Final Thoughts 10:50 - Outro Disclaimer: Some of the links above may be affiliate links, which means that if you click on them I may receive a small commission. The retailers and financial services companies pay the commission at no cost to you, and this helps to support our channel and keep our videos free. Thank you! In addition, I am not a financial advisor. Charlie Chang does not provide tax, legal or accounting advice. The ideas presented in this video are for entertainment purposes only. Please do your own due diligence before making any financial decisions. ► My Instagram: / charlie__chang