Posts Tagged :

credit report

Suspect man on laptop
What to do if you’re the victim of identity fraud

Everyone knows someone who has been a victim of fraud. It can be a nightmare when a cybercriminal has dipped into your bank account, stolen your credit card details or taken out credit in your name. In the short term your credit score is going to take a dip because you can’t simply delete it. Don’t despair, however. You’re not the first person in this situation and it can be ironed out. There are a number of different types of…

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It’s in the stars: Credit Simple’s financial horoscopes (February)

Aries That pain in your shoulder? It’s just your body’s way of telling you that carrying your savings around as coins so the CIA can’t hack your bank account details isn’t the best idea you’ve ever had. Instead, the stars suggest you consider a cheque or savings account with a major bank plus a low interest credit card with low or no annual card fees. Lucky number: anything under 10%. Taurus Your coffee order says more about you than you…

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It’s in the stars: Credit Simple’s financial horoscopes (January)

Aries New Year, new you, right Aries? Well, sort of. This is New Zealand, so the best thing you could possibly to do support our grass-based economy is to start 2017 with a new ewe. Depending on where you live, Trade Me has them for under $100 and unlike a puppy, when you get bored with it you can just eat it. Taurus If 2016 has gotten you down, Taurus, well you’re not alone. Trump! Brexit! Toblerone increasing the size…

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It’s in the stars: Credit Simple’s financial horoscopes (December)

Aries Earthquakes! Political turmoil! Unsightly hair in those hard to reach places! If it feels like there’s nothing the universe hasn’t thrown at you lately, Aries, then you’re not alone. Oscillations in the moon’s orbit, coupled with a particularly long run of dry weather around Dannevirke, mean your business and personal lives are unlikely to bring you much happiness this month. On the other hand, Lindauer is often on special in the lead up to Christmas, so there’s always that.…

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It’s in the stars: Credit Simple’s financial horoscopes (November)

Aries Like fellow Aries Donald Trump, former Reserve Bank Governor Don Brash and Ron Howard from television’s Happy Days, you face a month of change and challenge. The main challenge? Finding enough change to make it through the day. Top tip: look behind the sofa cushions. Just ignore the old Doritos. Taurus Smashed avocado looms green and delicious in your short term future, Taurus. Tasty breakfast treat rich in good oils, or potent metaphor for Gen Y’s inability to prioritise…

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It’s in the stars: Credit Simple’s financial horoscopes (October)

Aries As Saturn reaches its closest point to Earth this month, the wise Aries will be thinking about kindness to others, avoiding foods starting with P, and paying off that pesky credit card debt before Christmas kicks in. Lucky number: any single-digit interest rate. Taurus An ascendant Shatner’s Bassoon, coupled with some instability in the Euro, could mean great things for the canny Taurus. Invest wisely now and you’re sure to reap the benefits in the New Year. Or just…

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Is your credit score in the zero zone? This could be why

If credit scores were emojis, getting a zero would be a bit like this guy.  Getting a zero for your credit score can be a bit of a shock. But don’t worry, you can turn your emoji frown upside down with a few fixes. But first, a bit about why you got a zero score. For 85% of people with zero scores, they’ll have a default collection record or a bankruptcy on their file. This is the major problem: not paying…

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I checked my credit report (and you won’t believe what happens next!)

I got asked for ID last week at the supermarket and I was shamefully delighted about it, earning me the disgust of the very young checkout assistant. And while she might be in need of an eye check, once I stopped waving my ID in her face with glee it occurred to me that she probably thinks I am just a sad old lady eying up forty. While this might be true, I don’t miss my twenties. I might miss…

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On the internet, nobody knows you’re a dog

I’m not who you think I am. Sure, you probably don’t think of me at all, which is fine (I won’t judge you for it) but what surprised me is I’m not who I thought I was either. I got an email from an Aussie guy out of the blue asking me if I was investing in a ceramics factory in Thailand. A curious opening gambit, for sure, but having checked my portfolio and discussed matters with my business manager…

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My boss wants to check my credit score
Help! My new boss wants to check my credit report

Imagine you’re on the cusp of getting a hot new job, and your prospective boss says they’ll need to do a credit check. You’re pretty sure there’s some bad info on there, and anyway, isn’t it a breach of privacy? Fret no more, dear reader: we bring good news. Firstly, it’s true that other parties can check your credit report – landlords, recruiters, telcos, insurance providers and utility companies, as well as employers. However, they can’t do it without your…

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