Credit Scores Are Rigged — Here's How to Take Back Control | The Real Estate & Money Show Ep. 44
- Tom Broderick
- Jun 19
- 2 min read
Let’s be blunt — your credit score isn’t just a number. It’s a tool that banks and institutions use to control your access to freedom.
In Episode 44 of The Real Estate & Money Show, Kevin J. Johnston pulls back the curtain on the system designed to rank, restrict, and penalize Canadians financially. Whether you're planning to buy a home, start a business, or apply for a loan, your credit score is standing between you and the life you want.
🎥 Watch the full episode below to learn how credit scores really work—and how to protect yours before it's weaponized against you.
What Is a Credit Score—and Why Does It Have So Much Power?
Kevin explains the true mechanics behind the Canadian credit scoring system:
How scores are calculated (FICO, Equifax, TransUnion)
What impacts your score the most (it’s not just debt)
Why good scores don’t always mean good financial health
You’ll learn why the credit system favors the lenders—and how to outsmart it with smart financial moves.
How to Protect Your Credit Score from Hidden Risks
Your credit score can be damaged overnight, and most Canadians don’t even realize it until it’s too late.
Kevin walks through:
How missed payments & incorrect reports tank your score
Why minimum payments aren’t enough
How to dispute errors and monitor your credit proactively
What to do if your score suddenly drops
Safeguard Your Bank Accounts from Fraud & Hidden Fees
Kevin goes further by exposing how banks quietly siphon off your wealth through:
Monthly “maintenance” fees and overdraft traps
Hidden charges that reduce your real balance
Weak fraud protections that leave your accounts vulnerable
“If you’re not watching your bank like a hawk, someone else is — and they’re profiting off your silence.”
Learn how to:
Detect suspicious activity fast
Avoid high-fee accounts
Use secure banking tools to keep your money where it belongs
Why Your Credit Score Is Tied to Real Estate Power
Thinking of buying a home? Kevin explains why credit score manipulation is one of the biggest tools used to gate keep the real estate market.
This episode covers:
How to prep your credit for a mortgage application
What lenders don’t want you to know about “approval ranges”
Alternatives to traditional mortgages when banks say no
Master Your Money, Master Your Future
Your financial reputation is just as important as your actual money. Kevin shows you how to:
Build a credit profile that works for you
Keep lenders honest
Understand credit beyond the surface-level myths
New episodes Thursdays at 9PM EST – LIVE on Rumble
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