Everybody can request their credit report for free, but can everybody understand it? Your credit report contains a wealth of information about you and your finances. Altogether, it can be a lot to process. Fortunately, it doesn’t have to be. Although credit reports can be a...
The rates and terms of a mortgage loan could be heavily influenced by your credit score; a single number between 0 to 1000, indicating how creditworthy you are (how likely you’ll be able to repay your loan). For high-value assets such as a house, it’s...
Your credit report takes into account many different factors, from mortgages and personal loans, to credit cards, financing, and bill payments. All these elements combine to form a snapshot of your credit history that affects your future loan applications. Believe it or not, your credit...
Congratulations, you’ve received your credit report! Checking your credit score periodically is a cornerstone of fiscal responsibility. You want to keep an eye on your credit report to spot potential errors should they appear, take steps to improve it if necessary, and plan accordingly for...
Imagine this – you’ve been responsibly checking your credit report regularly to watch for errors and better understand your financial situation. Then, one day, you notice a very sudden rise or fall in your credit score. You’re probably sitting on your desk thinking – what...
Are you worried that your low credit score will negatively impact your life? Taking responsibility of your finances can be a challenge but will ultimately provide some vital peace of mind. There are several ways to build a good credit score to keep you on...
We all know the feeling: that sinking sensation of vulnerability that comes with a credit check. A bad credit score can have a dramatic effect on your future financial opportunities and make it harder to secure personal loans. So, what do you do if you...
A credit report is vital for practicing smart finance NZ wide, but many in New Zealand are in the dark because they don’t know where and how to request it. Do you know how to get your hands on your credit score? Fortunately, requesting your...
Do you know your New Zealand credit score? If not, you’re not alone, but credit ratings are an important part of New Zealand finance. Your credit score will help lenders determine how likely you are to repay your loans. They have the power to influence...
The truth about credit scores is that we all know we have one but few of us know how exactly we got it. Sure, we know when we miss bills or default on loans, our credit score goes down, and when we successfully pay debts,...
