Credit score - not as good as I'd thought

Please note this sub-forum does not provide professional finance advice. You should seek advice from a licensed financial advisor.

To post in this sub-forum you must have made 100 posts or have Trust status or have completed our ID Verification.

If investing please consider our affiliate link for new accounts: Sharesies.

Forums › Finance and wealth management › Credit score - not as good as I'd thought

1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | ... | 11

52 posts

Master Geek
+1 received by user: 8

#2158088 11-Jan-2019 12:06

Usually when I get those emails it is because my power company has recorded their info from my recent bill. That is the only change I can see.

Benjip

977 posts

Ultimate Geek
+1 received by user: 524

ID Verified

#2158095 11-Jan-2019 12:42

I too got sick of the weekly/sometimes daily emails from Credit Simple, and there was no option to unsubscribe (but keep my CS account), so I just changed the email address to one I don't actually use. Peace at last, and I can still log in.

Detruire

1788 posts

Uber Geek
+1 received by user: 84

#2158104 11-Jan-2019 13:17

Linux:

MurrayM:

k1w1k1d:

They have access to your financial data whether or not you have signed up. Signing up just allows you to view it.

Oh, right, I didn't realise CS was actually just Illion. But I was sick of getting emails from them saying something had changed in my credit history and then when I logged in I couldn't see any change.

@MurrayM This happened yesterday to me! Got an email saying ' Credit score has changed ' login and it's 100% the same as last few weeks

John

I've received those most months for the last 6-12 months too, around the time I pay my credit card bill. I suspect they're sending those because of an update to the account rather than the score itself.

rm *

snnet

1413 posts

Uber Geek
+1 received by user: 556

#2158140 11-Jan-2019 13:26

Detruire:

I've received those most months for the last 6-12 months too, around the time I pay my credit card bill. I suspect they're sending those because of an update to the account rather than the score itself.

Yes I think that makes sense. I noticed that creditors update their records at certain times so that's probably what's doing it. Power seems to get updated 1st of the month for me

Coil

6614 posts

Uber Geek
+1 received by user: 2153
Inactive user

#2161998 16-Jan-2019 13:56

I made a credit simple account as I saw some people using it here, on sign up I made very very sure I had no promotional mail checked and then went to settings and it was set to never email me.

Just got a lovely loanshark email.. Thanks Credit Simple...

Edit, just checked settings and lo and behold they turned it on themselves.

evilonenz

/dev/urandom
291 posts

Ultimate Geek
+1 received by user: 152

ID Verified

Trusted

Lifetime subscriber

#2162006 16-Jan-2019 14:18

Coil:

I made a credit simple account as I saw some people using it here, on sign up I made very very sure I had no promotional mail checked and then went to settings and it was set to never email me.

Just got a lovely loanshark email.. Thanks Credit Simple...

Edit, just checked settings and lo and behold they turned it on themselves.

Ditto, only reason I'd signed up was my interests were peaked when I saw people here using it. Low and behold, at 11am, a lovely email attempting to promote Harmoney. Needless to say, checked my settings, and they'd definitely all been turned back on. Must be magic.

Turned them all back off now, will be interested to see if this happens again.

Smokeping

Referral Links:

Quic - Use code R536299EPGOCN at checkout for free setup
Contact Energy - Use code FRTQDXB for $100 credit

Geekzone

Want to support Geekzone and browse the site without the ads? Subscribe to Geekzone now (monthly, annual and lifetime options).

Coil

6614 posts

Uber Geek
+1 received by user: 2153
Inactive user

#2162010 16-Jan-2019 14:36

evilonenz:

Coil:

I made a credit simple account as I saw some people using it here, on sign up I made very very sure I had no promotional mail checked and then went to settings and it was set to never email me.

Just got a lovely loanshark email.. Thanks Credit Simple...

Edit, just checked settings and lo and behold they turned it on themselves.

Ditto, only reason I'd signed up was my interests were peaked when I saw people here using it. Low and behold, at 11am, a lovely email attempting to promote Harmoney. Needless to say, checked my settings, and they'd definitely all been turned back on. Must be magic.

Turned them all back off now, will be interested to see if this happens again.

Will report back here if I see any further then take it up with these guys. http://www.legislation.govt.nz/act/public/2007/0007/latest/DLM405134.html

"Unsolicited Electronic Messages Act 2007"

TheMantis

142 posts

Master Geek
+1 received by user: 90
Inactive user

#2162075 16-Jan-2019 16:43

It is my distinct impression that the Credit Simple website exists to entice people to partake in the financial offers there. I'd say it would be a nice little earner for them.

Coil

6614 posts

Uber Geek
+1 received by user: 2153
Inactive user

#2162095 16-Jan-2019 17:59

TheMantis:
It is my distinct impression that the Credit Simple website exists to entice people to partake in the financial offers there. I'd say it would be a nice little earner for them.

DING DING DING DING DING. You sure have hit the jackpot!!!!

It’s another means of stuffing credit down our throats. I’ll never have any credit again in my liife time so that’s no issue to me.

MurrayM

2502 posts

Uber Geek
+1 received by user: 742

ID Verified

Trusted

Lifetime subscriber

#2162398 17-Jan-2019 08:42

Coil:

I made a credit simple account as I saw some people using it here, on sign up I made very very sure I had no promotional mail checked and then went to settings and it was set to never email me.

Just got a lovely loanshark email.. Thanks Credit Simple...

Edit, just checked settings and lo and behold they turned it on themselves.

And that's why I cancelled my account with them.

HcoNmeM

182 posts

Master Geek
+1 received by user: 28
Inactive user

#2162447 17-Jan-2019 10:22

Coil:
TheMantis:

It is my distinct impression that the Credit Simple website exists to entice people to partake in the financial offers there. I'd say it would be a nice little earner for them.

DING DING DING DING DING. You sure have hit the jackpot!!!!

It’s another means of stuffing credit down our throats. I’ll never have any credit again in my liife time so that’s no issue to me.

It's funny.. because you can't get credit if your credit is bad.. but if you have never used credit.. you're the same as bad credit..

Only way to get credit is to have good credit by starting out on good credit and keeping that credit in credit..

FFS..

Anyway.. mine's sh*t so I stopped looking at those..

Dyson

Shop now for Dyson appliances (affiliate link).

Coil

6614 posts

Uber Geek
+1 received by user: 2153
Inactive user

#2162472 17-Jan-2019 11:04

HcoNmeM:

Coil:
TheMantis:

It is my distinct impression that the Credit Simple website exists to entice people to partake in the financial offers there. I'd say it would be a nice little earner for them.

DING DING DING DING DING. You sure have hit the jackpot!!!!

It’s another means of stuffing credit down our throats. I’ll never have any credit again in my liife time so that’s no issue to me.

It's funny.. because you can't get credit if your credit is bad.. but if you have never used credit.. you're the same as bad credit..

Only way to get credit is to have good credit by starting out on good credit and keeping that credit in credit..

FFS..

Anyway.. mine's sh*t so I stopped looking at those..

Mines 607, based off of the odd late payment to Ol Mate VF. It lists an OD I never used, CC I never used and so fourth. But doesn't say if its a good or bad contribution.

Do you need to email the request for them to cancel your account and delete any personal information pertaining to myself?

elpenguino

3577 posts

Uber Geek
+1 received by user: 2939

#2162603 17-Jan-2019 15:30

TheMantis:

It is my distinct impression that the Credit Simple website exists to entice people to partake in the financial offers there. I'd say it would be a nice little earner for them.

I'm guessing it has the bonus that it gives them an automated way to meet their obligations under the privacy act.

Most of the posters in this thread are just like chimpanzees on MDMA, full of feelings of bonhomie, joy, and optimism. Fred99 8/4/21

Linux

12185 posts

Uber Geek
+1 received by user: 8477

Trusted

Lifetime subscriber

#2174848 8-Feb-2019 09:51

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

ObidiahSlope

260 posts

Ultimate Geek
+1 received by user: 66

#2174900 8-Feb-2019 10:32

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.

Obsequious hypocrite

1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | ... | 11