Credit Simple NZ
It’s October when I write this, which means it’s been Christmas in retail land for about six months now. While a couple of weeks off in summer in honour of Baby Jesus’s birthday is an attractive proposition for most of us, it can also be…
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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…
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When you get an interest-free loan, it’s always interest-free, right? Wait a second. It’s only interest-free if you toe the line with the terms and conditions of the loan. And research we commissioned has found nearly half (48%) of Kiwis have made the most of…
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There’s a famous passage in The Hitchhiker’s Guide to the Galaxy when Guide writer Ford Prefect tries to pay for a drink with American Express. The alien bartender is unimpressed with that suggestion, and after threatening to kill him on the spot, points out that…
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Since we launched a year ago, awareness of what a credit score is and how your credit history works has increased (huzzah!) but more than 90 per cent of Kiwis have still never used their credit score to ask for a better financial deal. Research…
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While we’re all a bit caught up in election fever and trying not to engage in full-on fisticuffs with people who don’t share our political views, we need a bit of light-hearted, affordable fun. And not the sort of good times that involve ordering small…
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You’d think closing off credit cards or other accounts would boost your bankability in the eye of credit providers. The reality is that sometimes it can do exactly the opposite. Closing off some accounts after paying down your debt may actually harm your credit score.…
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Credit scores may tell us more about Kiwis than just how good we are at paying bills – our research shows they also hint at voting preferences. We overlaid New Zealand electorates with average credit scores and found those in National electorates are more likely…
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I remember it well. The little green booklet that I’d carry into the local branch of the savings bank, with my grandparents’ Christmas money or some such, all ready to save up for some far flung future when I’d be able to buy Something Important.…
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Here at Credit Simple, we encourage you to check your credit score and keep tabs on your credit history. It doesn’t happen often, but if there’s a mistake on your file, you need to know about it and get it fixed. We’re happy to report…
read moreThe 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.