Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 | 4 | 5 | 6 
2611 posts

Uber Geek
+1 received by user: 756


  Reply # 2174913 8-Feb-2019 10:44
One person supports this post
Send private message quote this post

Mine recently dropped 38 points for no reason whatsoever. No new loans or accounts, no enquiries, no late payments.


4400 posts

Uber Geek
+1 received by user: 2526

Trusted
Lifetime subscriber

  Reply # 2174923 8-Feb-2019 11:00
Send private message quote this post

ObidiahSlope:

 

Linux:

 

My credit score has taken a dive down due to Contact Energy doing a credit check on me for getting power at the new house! This System is really really stupid 

 

John

 

 

Don't stress. You recently made a real estate purchase right?

 

When the All Seeing Eye of Sauron discovers you are a gentleman of property your score will go up again.

 

 

The only new query is Contact Energy

 

John


 
 
 
 


Mr Snotty
8525 posts

Uber Geek
+1 received by user: 4422

Moderator
Trusted
Lifetime subscriber

  Reply # 2174928 8-Feb-2019 11:03
One person supports this post
Send private message quote this post

I just got my credit report from everyone again - found my credit score is on the near end of the best you can get from every provider except Illion. Not at all worried, Credit Simple is just flawed.

 

I pay my credit cards in full each month and my accounts with both 2degrees + Flick Electric are in a large credit.





5117 posts

Uber Geek
+1 received by user: 1427

Trusted
Microsoft

  Reply # 2174933 8-Feb-2019 11:10
3 people support this post
Send private message quote this post

I agree, Credit Simple is just a scam

 

my credit score is terrible according to them, I'm a very bad credit risk

 

meanwhile ANZ gave me a $x00,000 mortgage at a discounted APR, without batting an eyelid

 

I paid that mortgage off within a few years

 

they had absolutely no record of that loan at all

 

no I never changed my name or IRD # or anything


6857 posts

Uber Geek
+1 received by user: 2293
Inactive user


  Reply # 2175058 8-Feb-2019 14:09
Send private message quote this post

nathan:

 

I agree, Credit Simple is just a scam

 

my credit score is terrible according to them, I'm a very bad credit risk

 

meanwhile ANZ gave me a $x00,000 mortgage at a discounted APR, without batting an eyelid

 

I paid that mortgage off within a few years

 

they had absolutely no record of that loan at all

 

no I never changed my name or IRD # or anything

 

 

 

 

Just a bunch of numbers and poorly calculated scores designed to force credit down the throats of the weak or vulnerable.

 

I'd be considering pursuing this crowd for misuse of consumer information and misrepresenting things to consumers. 

 

(Hard to say this as people know what they are getting into but it is too good to say no to sometimes) 


145 posts

Master Geek
+1 received by user: 31


  Reply # 2217722 15-Apr-2019 22:16
One person supports this post
Send private message quote this post

engedib:

 

Nothing was changed in the last 2 months, same amount on the credit cards which are paid back, no new loan / CC application, no late bills, however score was dropped from stable 866 to 719.

 

Weird

 

 

 

 

 

Since I have posted this, my account completely broke, wife's one kept working. I set them up at the same time, both were using G+ logins.

 

Had to register again using standard email + password combination and NZ passport instead of drivers license.

 

But now the credit score is 930, I have only increased the credit card limit by 50% when it become available online. It is still fully paid every month.

 

Based on this a completely random number would even provide more relevant info :D


2078 posts

Uber Geek
+1 received by user: 461

Subscriber

  Reply # 2218029 16-Apr-2019 11:09
Send private message quote this post

Hmm...mine's leapt from mid-700's to 955 in the last couple of months. 

 

Interesting, as nothing has actually changed. Still have the same amount of debt/income and nothing of financial note...

 

 

 

 





Handsome Dan Has Spoken.

42 posts

Geek
+1 received by user: 14


  Reply # 2218035 16-Apr-2019 11:15
Send private message quote this post

Somehow, mine has tanked by about 50 to 75 points... Nothing changed, up to date on all bills / mortgage payments etc.

 

Have no idea what their system does to calculate, but it seems like a function designed entirely on random() or similar.


14 posts

Geek
+1 received by user: 2


  Reply # 2218062 16-Apr-2019 11:56
Send private message quote this post

Coil:

 

Just a bunch of numbers and poorly calculated scores designed to force credit down the throats of the weak or vulnerable.

 

I'd be considering pursuing this crowd for misuse of consumer information and misrepresenting things to consumers. 

 

(Hard to say this as people know what they are getting into but it is too good to say no to sometimes) 

 

 

 

 

The data is there whether you have access to it or not.  I'd rather have access to it so I can correct problems when they occur (which I've done when the utility company incorrectly reported my account as overdue every month even though it was always paid on time). 

 

It's always been possible to request a free report from the credit reporting companies but the old process was slow and inconvenient. CS makes it easy to keep track of your credit score.


3514 posts

Uber Geek
+1 received by user: 910


  Reply # 2218076 16-Apr-2019 12:17
Send private message quote this post

These recent posts encouraged me to check my status; weirdly, mine went up 99 points a couple of months ago, with there being no obvious reason for the change; it then dropped 17 points this month!

 

I also saw there was still an active 'account' for an interest-free agreement for a bed that we paid off nearly a year ago - at least having easy access to this info means I've been able to question why it's still active.

 

And thank god I've managed to stop getting all those damn advertising emails from them...


2079 posts

Uber Geek
+1 received by user: 884

Trusted

  Reply # 2218079 16-Apr-2019 12:20
Send private message quote this post

Mine just jumped up to 1200/1000 and I've got a message on my phone from Equifax asking if they could get a quick loan from me??

 

Has this happened to anyone else?


Baby Get Shaky!
1603 posts

Uber Geek
+1 received by user: 405

Trusted
Subscriber

  Reply # 2218155 16-Apr-2019 13:40
One person supports this post
Send private message quote this post

Handsomedan:

 

Hmm...mine's leapt from mid-700's to 955 in the last couple of months. 

 

Interesting, as nothing has actually changed. Still have the same amount of debt/income and nothing of financial note...

 

 

 

 

 

 

Mines jumped 200 points as well in the last 2 months. Like you, nothings changed (other then moving house a year ago and taking on a bigger mortgage). They still have my old address (now 6th in my street, woohoo).


14 posts

Geek
+1 received by user: 2


  Reply # 2218283 16-Apr-2019 16:01
One person supports this post
Send private message quote this post

kingjj:

 

Mines jumped 200 points as well in the last 2 months. Like you, nothings changed (other then moving house a year ago and taking on a bigger mortgage). They still have my old address (now 6th in my street, woohoo).

 

 

 

 

For most activities data is only held for 5 years, so there can be changes to your credit score based on old events "dropping off" the calculations each month.


4400 posts

Uber Geek
+1 received by user: 2526

Trusted
Lifetime subscriber

  Reply # 2218286 16-Apr-2019 16:08
Send private message quote this post

muppet:

Mine just jumped up to 1200/1000 and I've got a message on my phone from Equifax asking if they could get a quick loan from me??


Has this happened to anyone else?



@muppet yep just happened to me as well

3677 posts

Uber Geek
+1 received by user: 2150

Trusted
Lifetime subscriber

  Reply # 2220085 17-Apr-2019 18:26
Send private message quote this post

Mines also gone up 100+ points, on mine at least it appears they have added some new sources.. e.g. ANZ overdraft that I haven't had for some years is now on the list, and I don't think the trusty old farmers card I've had for decades used to be on their either. 





Information wants to be free. The Net interprets censorship as damage and routes around it.


1 | 2 | 3 | 4 | 5 | 6 
View this topic in a long page with up to 500 replies per page Create new topic



Twitter »

Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

NZ and France seek to end use of social media for acts of terrorism
Posted 24-Apr-2019 12:13


Intel introduces the 9th Gen Intel Core mobile processors
Posted 24-Apr-2019 12:03


Spark partners with OPPO to bring new AX5s smartphone to New Zealand
Posted 24-Apr-2019 09:54


Orcon announces new always-on internet service for Small Business
Posted 18-Apr-2019 10:19


Spark Sport prices for Rugby World Cup 2019 announced
Posted 16-Apr-2019 07:58


2degrees launches new unlimited mobile plan
Posted 15-Apr-2019 09:35


Redgate brings together major industry speakers for SQL in the City Summits
Posted 13-Apr-2019 12:35


Exported honey authenticated on Blockchain
Posted 10-Apr-2019 21:19


HPE and Nutanix partner to deliver hybrid cloud as a service
Posted 10-Apr-2019 21:12


Southern Cross and ASN sign contract for Southern Cross NEXT
Posted 10-Apr-2019 21:09


Data security top New Zealand consumer priority when choosing a bank
Posted 10-Apr-2019 21:07


Samsung announces first 8K screens to hit New Zealand
Posted 10-Apr-2019 21:03


New cyber-protection and insurance product for businesses launched in APAC
Posted 10-Apr-2019 20:59


Kiwis ensure streaming is never interrupted by opting for uncapped broadband plans
Posted 7-Apr-2019 09:05


DHL Express introduces new MyDHL+ online portal to make shipping easier
Posted 7-Apr-2019 08:51



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.