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...
When you need some extra cash, you will inevitably consider a personal loan. Personal loans are a great way to gather funds for a once-off expense or to consolidate debts. In addition, paying off a personal loan reflects well on your credit report. Personal loans are...
Many of us have been there: we come up short at the end of the month or encountered a surprise expense and suddenly we were behind on our debt payments. Unfortunately, spiralling debt is a problem for many Kiwi, so If you’ve ever looked for...
Are you cracking under the pressure of late bill payments and mounting debt? If your financial obligations seem to be closing in on all sides, you may want to take out a debt consolidation loan. Consolidating your debt can be an effective method to stabilise...
Outside of your own home, few people know more about your financial information than those who lend you money. Between the information that lenders collect when assessing applicants’ fitness for personal loans and the subsequent payment records, your lenders are handling information that will have...
So, you finally upgraded your wheels! Driving off the lot in a new car (even if it’s used, it’s still new to you!) is a terrific feeling, but don’t neglect your car loan. With the thrill of a new car purchase, we can often forget...
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...
