How long is information held on my credit file?

Following the introduction of comprehensive credit reporting, both positive and negative listings are recorded by credit providers. However, it is the negative listings such as bankruptcies and overdue accounts that will be listed on your file for longer and impact your ability to access credit.…

read more
Mortgage intel: How to refinance your home loan

A mortgage can easily end up costing you thousands more than it needs to, maybe tens of thousands, if you’re not always looking for the best deal. Sometimes you can do better by refinancing to a mortgage with a lower interest rate. But it’s not…

read more
Where can I get my credit report?

Keeping tabs on your credit score could be crucial if you have hopes of funding some of life’s biggest purchases, such as a house or car. But what about your credit report? If you’re not sure of the difference, don’t fret, as we’re about to…

read more
Credit Simple’s Financial Survival Guide for Students

If you’re a student, or about to head to university, now is the crucial time to start managing your money and finessing your finances. But what’s a student to do? You’re being offered multiple deals, credit cards, and interest-free overdrafts, plus there are those worrying…

read more

The information provided on the Credit Simple website is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your personal objectives, financial situation or needs. Before making any decisions, it is important for you to consider your personal situation and seek appropriate tax, legal and other professional advice.