Posts Tagged :

credit score

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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Dog digging in the sand
Help! I want to delete my credit history

We got an email the other day from a guy who wanted his account deleted. He’d registered for Credit Simple, discovered his credit score was in the 200s, and decided the best thing was to just wipe it all off the history of the world, immediately and forever. Great idea in theory. And many people point to other parts of the world where there’s such a thing as “the right to be forgotten”, where you can apply to have things…

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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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Top tips for renters
Top tips for new renters: Eight things to know before you apply

Getting your first rental is a rite of passage into the big wide world. You’ll have lots of fun times nesting in your own space. But there’s a lot to learn to make it a great experience. 1. Be prepared to wear out your shoe leather. You’ll need to sign up with several local rental agencies and keep a hawk eye out on TradeMe and Realestate.co.nz until you find the one – and get accepted. Before signing the tenancy agreement ask…

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Five things that will give you expensive car insurance
Five things that will give you expensive car insurance

Nobody wants expensive car insurance! But with a little bit of insider knowledge, you can get top notch insurance without having to fork over a fortune. Here are five factors that affect how much you’ll pay for your premium. 1. Your credit score There’s a proven correlation between someone’s credit score and how likely they are to make a claim. Things like credit defaults and repossession have a big effect on your credit score, so check it out and make…

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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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