Credit check notifications - whats causing it ?

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#257169 19-Sep-2019 08:28

How often should someones credit history be getting checked ? Obviously when you make a request for credit from somewhere, but other than that, should anything be triggering a credit check ?

I ask as CreditSimple send me notifications when something has poked at my credit history/report, and I seem to get them a lot over a period. Then it goes quiet for a while, then I get a bunch again (probably 3x a week for 2 weeks at a time).

I have recently made some changes with my bank which would've involved a check, but it reminded me about how often I get these notifications.

Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand

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#2320079 19-Sep-2019 08:35

Do you have credit cards?

Banks now send this data each month and this is what keeps kicking off emails from credit simple for me. If you look under the credit card area you will see that data is updated if you are paying your credit card or not.

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xpd

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#2320092 19-Sep-2019 08:54

Nope, Ive got nothing except mortgage :)

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Beccara

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#2320095 19-Sep-2019 08:58

Whats the details of the email? Something like this?:

It looks like your credit information has changed recently. Check out the summary of changes below, and log in to see full details. Summary of changesAccounts From time to time, we may send you a notification to let you know when your credit information changes as part of Credit Simple’s services.

Most problems are the result of previous solutions...

All comment's I make are my own personal opinion and do not in any way, shape or form reflect the views of current or former employers unless specifically stated

xpd

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#2320098 19-Sep-2019 09:00

Yeah, thats the one. :)

Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand

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timmmay

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#2320118 19-Sep-2019 09:26

I've unsubscribed from Credit Simple emails, it's all noise with little real content. Just check it every 3-6 months if you're interested.

@freitasm the page formatting is looking weird.

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#2320125 19-Sep-2019 09:42

Yeah thinking I'll do that.... then forget about it altogether and go "be nice to check credit score online somehow" :)

Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand

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rp1790

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#2320151 19-Sep-2019 10:18

timmmay:

I've unsubscribed from Credit Simple emails, it's all noise with little real content. Just check it every 3-6 months if you're interested.

@freitasm the page formatting is looking weird.

How do you do this? I've looked and looked and not seen how you can unsubscribe.

Beccara

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#2320157 19-Sep-2019 10:27

xpd:

Yeah, thats the one. :)

What that means is they are updating your payment history. Credit reports now list both good and bad things so updating that you've been keeping up with your payments. Do you have a mobile on account? I get them all the time too and it's VF updating my payment history

gbwelly

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#2320244 19-Sep-2019 11:40

Do you guys monitor your credit score for gamification, or do you all buy stuff on finance etc frequently? I as as I've never checked my credit score and don't really have any inclination to do so, but have never had any problems buying stuff on tick either for that matter.

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#2320247 19-Sep-2019 11:42

gbwelly:

Do you guys monitor your credit score for gamification, or do you all buy stuff on finance etc frequently? I as as I've never checked my credit score and don't really have any inclination to do so, but have never had any problems buying stuff on tick either for that matter.

@gbwelly I watch it to make sure no one is taking out credit under my name / ID theft

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#2320249 19-Sep-2019 11:47

Linux:

gbwelly:

Do you guys monitor your credit score for gamification, or do you all buy stuff on finance etc frequently? I as as I've never checked my credit score and don't really have any inclination to do so, but have never had any problems buying stuff on tick either for that matter.

@gbwelly I watch it to make sure no one is taking out credit under my name / ID theft

Ditto - if start seeing multiple requests, then someones using your ID to try their luck.

Gavin / xpd / FastRaccoon / Geek of Coastguard New Zealand

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#2320674 19-Sep-2019 20:11

Beccara: Whats the details of the email? Something like this?:

It looks like your credit information has changed recently. Check out the summary of changes below, and log in to see full details. Summary of changesAccounts From time to time, we may send you a notification to let you know when your credit information changes as part of Credit Simple’s services.

xpd: ... Yeah, thats the one. :)

It's Credit Simple pulling you to their website to

show user engagement metrics to shareholders
entice you with their wonderful offers
with your good credit rating lure you into spending more
...

Please keep this GZ community vibrant by contributing in a constructive & respectful manner.

ANglEAUT

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#2320676 19-Sep-2019 20:16

rp1790:
timmmay: I've unsubscribed from Credit Simple emails,...

How do you do this? I've looked and looked and not seen how you can unsubscribe.

You have two options

From the email itself:

From the Account Settings:

Please keep this GZ community vibrant by contributing in a constructive & respectful manner.

Jase2985

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