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Credit Simple Questions & Answers
12 questions from our users
calaisasked
Credit simple, why do you state that I have a Court judgement against my name, I have had Oakbridge lawyers and Equifax check your allegations and both have contacted me and disagree with your claims. I have sent you a copy from them both but you still have not corrected my file on your system. Is your system that poor and out dated. What more proof and mucking around do you require? Do you Think that the letter I forwarded you from the lawyer is false? It has all their contact details. Please respond. Maybe it is you that need investigation. Can be arranged
No answers
Kateasked
When a account comes up under the enquires what does that mean? How do you know what the loan amount is for and wherw it came from?
1 answer
This is a scam business. They get your details, won't let you unsubscribe, and they write fake reviews.
Simon R.asked
Why do you send me unwanted emails. I have no interest in your service
Mehdiasked
Hi there as I’m confused about my credit simple account, there’s 88 offers showing on my account but when I applied for personal loan it got diclined my score is 774 can u please explain it to me?
1 answer
Mefi F.Credit Simple
Hi Mehdi, unfortunately we can't answer questions about your personal information in a public place for privacy reasons, but you can email [email protected] for help with this. Credit providers can decline a credit application for many reasons and we don't necessarily have visibility of that or why they declined it. Hope this helps!
Rose Lelisiasked
I recently checked my credit with creditsple and it was fine until today I was shocked to see the result. I have no idea why it is what it is now? I just want to know why this has happened please?
Rose
1 answer
Mefi F.Credit Simple
Hi Rose, we can't answer questions about your personal information in a public forum for privacy reasons, but you can email [email protected] for help and info. Also suggest you check the tab that says 'credit report' to see what new information is being listed there that may have affected it. Thanks!
my name is jeffasked
Hi, If someone were to apply for an offer on your site based on your credit score for example a personal loan and it got declined would it affect the credit rating?
2 answers
Yup it's gonna decrease your score whether the loan is approved or not
Mefi F.Credit Simple
Hi Jeff, Ankur is not quite right here - if you get approved that won't decrease your score. If you make a lot of applications within a short period of time, it can affect your score. If you get declined, your score will probably go down. Hope that helps.
Peterboroughasked
I got a loan in March 2018, today, July 2018 I got an email advising that there was a new enquiry on my file. When I click the link it only shows inquiries from 4+ years ago. I'm concerned someone is trying to obtain credit in my. Name. Is it possible the loan I got in March is only just being notified to credit simple now?
1 answer
Mefi F.Credit Simple
Hi there, we can't answer questions about your personal information in a public forum, but you can email [email protected] for help with your specific case. In general, it's probably simply that the information is new to Credit Simple and has just been loaded to your credit information with us. If the enquiry stacks up with your memory of your credit history, it should be fine. If it seems suspicious or wrong, it probably is. If you suspect it's fraudulent, you can get your credit file frozen to prevent further activity (if this is the case just email us). Hope this helps!
Johnasked
Hi. My D&B credit score deteriorated to the mid 500’s last year after several Credit Enquiries. With the inclusion of positive repayment data when would I start to see an improvement to my score? Thanks John
1 answer
Mefi F.Credit Simple
Hi John, as soon as any data gets loaded on to your file or changed on your file, that would change it immediately (same day the data is loaded). At the moment only NAB is contributing positive repayment data (and only three months' worth of consumer credit not including mortgages) but we're hoping this will encourage other banks to follow suit. Hope this helps! (Also mid 500s is average - not bad!) If you'd like any help with your personal info just email [email protected].
Isabellaasked
I don't recall putting any information in, don't actually remember signing up to you, but I got a credit rating of 880 while everything on the list had an 0 and no information. How could you possibly have worked out what my credit rating is?
1 answer
Mefi F.Credit Simple
Hi Isabella, congrats on your score! 880 is fantastic. We can't give out information on your personal info publicly for security and privacy reasons but feel free to email [email protected] with your query.
Not impressedasked
So since all of us here had the same experience with taking our identity and no credit score do we get a written guarantee that the information won't be sold or go any further ? . I would be very surprised to have a response or one that satisfies me. I only did it as I also seen it on the today show and thought it would be safe .
1 answer
Mefi F.Credit Simple
Hi there, sorry you've had a bad experience. You can read our responses above to the concerns. In particular, we recommend reading:
The FAQs on our site: https://www.creditsimple.com.au/content/learn
The page about registering manually: https://www.creditsimple.com.au/content/register-manually/
Your rights and privacy with credit reporting:
And our blog also answers a lot of FAQs: https://www.creditsimple.com.au/content/blog/
Anyone with further questions or specific enquiries about their own personal information can get help via [email protected].
Hope this helps!
The team at Credit Simple
widgeasked
how does someone else information get on my credit report?
1 answer
Mefi F.Credit Simple
Hi Widge, this isn't common but sometimes it can happen. It's a simple case of either human error or computer error. Whenever we find something like this, we like to make sure it gets corrected. You can query the item within your Credit Simple dashboard, or email us via [email protected] and we'll help get it sorted. Hope this helps!
roryasked
I don't have a drivers licence. Can I get a credit score without it?
2 answers
Hi Rory, You sure can. I used my passport as I don't have a drivers licence.
Mefi F.Credit Simple
Hi Rory, yes you can! There's more info on our site here: https://www.creditsimple.com.au/content/learn
And if you still get stuck you can verify manually, more info here: https://www.creditsimple.com.au/content/register-manually/
Or email us via [email protected].
Hope this helps!
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