Posts Tagged :

credit report

Happy wife, happy financial life delves into the attributes of high and low credit scorers, finds marriage means you’re financially responsible. Financially responsible Kiwis are likely to be married, have two or three kids, are university educated, and probably don’t smoke, according to research from finance business released in 2017. Credit Simple’s research of more than 2.2 million people shows that 60 per cent of those living in areas with a high average credit score are married, but those in areas with lower…

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Identity fraud and what can happen

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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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 give you a crash course on credit scores and credit reports, including how you can get your hands on them both (for free). Your report contains all the information that lenders have regarding your past…

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Credit scores 101: How to check your credit score (and more)

You may not have put much thought into your credit rating before, especially if you’ve avoided credit cards, mortgages and other loans in the past. But there will likely come a day when you want financial help from lenders, so here’s our quick guide of everything you need to know about credit scores. Any score over 500 is good, so your rating may not be as bad as you think. What is a credit score? Organisations use credit ratings to…

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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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