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Master Geek


#273042 1-Aug-2020 04:19
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Just wondering if anyone else had paid the bond to join Voyager?

We’re trying to switch to them and hey’re requiring to pay $200 (not deductible) and will be released after12 months.

I wonder what sort of credit checking they use... we’ve been with Spark, Bigpipe, 2degrees—all accounts were in good standing.

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  #2532544 1-Aug-2020 07:26
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Check your credit score all of them offer free credit checks online


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  #2532546 1-Aug-2020 07:29
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They may have a different outlook on what they deem acceptable - do you have any bad debts?

 

I was told by my business banker when setting up business and opening an account and line of credit with them, I asked out of interest and they said that they don't really care too much if you've missed a gym membership payment but if you've got a mark against you from a financial institution that would affect the application

 

Other than that, do they have your identity incorrect? Has anyone perhaps used your identity to open a line of credit and not fulfill payments?


 
 
 
 


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Master Geek


  #2532552 1-Aug-2020 08:38
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When I joined Voyager, they used Centrix


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  #2532574 1-Aug-2020 10:30
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As a Banker, that comment is correct, defaults to gyms etc no one really cares about, that is even to the extent your credit score won't change materially by the three bureaus as they also know these are not material.

 

Any default to a financial institution is basically the worst you can get, and your score will reflect this

 

as @linux did mention, go and obtain a credit report from all of the providers to ensure your information is correct 

 

Equifax https://www.mycreditfile.co.nz/

 

illion https://www.creditsimple.co.nz/ 

 

Centrix https://www.centrix.co.nz/my-credit-score/

 

I would suspect you may have a default or collection in the last 12 mths that might have triggered a bond, that is why you must check as your credit rating as it can be wrong! I have seen more errors in recent times due to mismatches of names with each of the bureaus.

 

 

 

 

 

 

 

 


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  #2532613 1-Aug-2020 11:55
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I don't recall them asking to do a credit check on me or the family members I've since signed up.... probably in the fine print but didn't have any issues.

 

So I'd suspect there is a mark on your recent history that's caused the request for the bond as mentioned.





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  #2533527 3-Aug-2020 09:01
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Heya @allune

 

As mentioned by other members, Voyager does indeed use Centrix for our credit checking.

 

When queried, Centrix provide a credit score based on a number of factors.
Bad debts are the obvious ones, but one that's very common is a lack of viable credit history - where there's not enough information to provide an adequate history.

 

After 12 month, assuming no defaults, you will of course get your bond back.

 

The Voyager credit control team doesn't know the reasons for your score, they only know the number presented by Centrix. (I'm not in credit control, so I know even less :P)

 

If you do have concerns around your score, you can contact Centrix directly, and query them about your profile - they will be able to advise all the information to you, as it's yours after all!





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Master Geek


  #2534051 3-Aug-2020 21:01
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Delorean:

 

As a Banker, that comment is correct, defaults to gyms etc no one really cares about, that is even to the extent your credit score won't change materially by the three bureaus as they also know these are not material.

 

Any default to a financial institution is basically the worst you can get, and your score will reflect this

 

as @linux did mention, go and obtain a credit report from all of the providers to ensure your information is correct 

 

Equifax https://www.mycreditfile.co.nz/

 

illion https://www.creditsimple.co.nz/ 

 

Centrix https://www.centrix.co.nz/my-credit-score/

 

I would suspect you may have a default or collection in the last 12 mths that might have triggered a bond, that is why you must check as your credit rating as it can be wrong! I have seen more errors in recent times due to mismatches of names with each of the bureaus.

 

 

Thanks for the links. I have an old report from Equifax but I have had a few more CCs after that report was done so outdated now.

 

I just requested new reports from Equifax and Centrix. Hopefully no one used my details for something! My account in Credit Simple shows "very good". I've always paid my CC bills on time, never defaulted on any credit, and nothing has been transferred over to collections agencies...

 

Interesting but we'll probably stay put if it's going to be this hard to sign up with another provider.


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