I found Credit Simple after searching for online spend trackers and I found their one called Money Simple. It's free like many spend trackers and it's pretty useful. I also checked my credit score and it's a 'decent effort' so I will be looking for ways to get it up as I am soon to be applying for a mortgage and this will be my first. I am happy with Credit Simple and will keep using the spend tracker, along with several other budgeting tools that I have found online.

I found out I had a default because I hadn't paid my credit card bill, didn't think it mattered but a mate said it ends up on your credit history. Well i didn't believe it so, but had google it and found out about credit scores so checked mine as well through this site. Free though, so I can't argue really. My default was listed on there and it was stupid of me to let that happen, yep that's the power of neglect,so In I've paid it up and now I pit my payments on auto for the minimum so this won't happen again. I appreciate this service and have crossed one thing off my list. Thanks

Been a skeptic when it comes to credit reporting in general because I've heard stories about mistakes on people's files. Checked my score with Credit simple and looked through my credit file and everything was accurate. Was surprised to see something on my credit file that was four years old, queried this and they said things drop off after about five years. Understandable. Also used the spend tracker in the site, needs to be an app for mobile but given its free its good for what it is. Will come back to site soon. A well structured platform I must add. Thanks!

I got a great credit score with Credit Simple (800+) and thought it was super easy and really fun to use. I like seeing the comparisons - like age, male/female, astrology. I suppose their trying to make credit scores fun rather than being boring, ha ha ha. I read some stuff on their blog and it's pretty good to. I'm feeling motivated in the new year to fix up my finances and get rid of debt, I've been a bit lazy about my money and I needed a kick up the bum. Good that its a free service too because people shouldn't have to pay to see information that belongs to them in the first place.

My sister told me about credit scores and I thought it was fake until I looked up the companies. I got my score from each of the companies and they are all pretty similar, I am writing a review for credit simple because I thought it was the best. After you get your score you see offers, and I got a good deal with credit card. It was easy I must say and I had been thinking about one for a while. The site is easy to navigate and understand, and everything about your score is well explained.

I have had accounts with equifax and credit savvy for a while now, was curious about credit simple and created an account last month. The scores were about the same on all 3 sites, but credit simple was spamming me with offers n crap.
couple of days ago i got a notification from credit simple, only to see score was dropped by 150 while equifax and credit savvy has the same scores. For no reason? did i make a mistake of creating an account with them? are they trying to scare you and cash in on it?

Bombarded by emails from Credit Simple trying to flog me offers and have queried items on file such as a loan application that wasn't even made with no response from this company. The data is very questionable and simply an excuse to email constant loan offers.

Saw the tv ad and looked up the website to get my credit score. Very straightforward process. Easy to understand. The blogs and FAQs on the website are helpful, I read a couple and now have a better grip on why my score is that number.

Got my score and had a mistake on my file but lodged a query and got it fixed straight away. Turns out my old bank hadn't updated a payment. Saw my credit score go up and I'm relieved to have found this out and also fixed it so quickly.

Was a bit a worried at firstabout checking my score because i thought it would lower your credit score each time you check it but that's simoly not true! As some people here think on the some of the comments I read. Any ways I can check it as many times as I want and it doesn't affect my credit....... Obviously I've been checking my score tha last few months.... Happy with credit simple, top work. Definitely would recommend them.

Good clean easy to use website, check your credit score monthly, credit reports and get credit report notifications,
And get available offers for you based on your credit score.

Since i looked at my ratings I've been bombarded with these bottom feeders,
They just use any excuse to get your email address, if they are so desperate every week another email, go away please.

Only way to "close account" once signing up is to "write them an email" ? My credit keeps dropping but have done nothing wrong is nonsense.

Don't make contact with them in any form. It will only be to your detriment. They will bombard you with useless emails to make money for themselves. I've requested they stop this on numerous occasions and their reply is that they cannot as they can't find my email address in their system even though it is the address they are sending emails too. Clearly the positive reviews here are written by their staff and affiliates.

I saw an ad for credit simple to get your credit score so I signed up and did the process. My credit score was 756 out of 1000 and I was angry because I pay all my bills on time every time and I think I’m good with credit. I emailed Credit Simple and it turns out 756 is actually a great score. They sent me some blogs explaining scores and what makes them go up or down, so there’s heaps of stuff to read and get info from. Also it’s good that they are transparent about how they make money and always encouraging people to be better with money and budgeting rather than just taking out more credit, like I think it’s quite socially responsible from that aspect. Thanks.

Absolutely horrendous, will not remove me from their data base, even after numerous requests to do so. Would never recommend even making an enquiry with them. You will continue receiving email after email after email.

How can my score decrease from 640 in Oct down to 469 now in Nov when no changes on my file are showing? I have made 0 inquiries and have paid all bills on time. I have never had a default. Regardless about my past, specifically looking at where things stood last month or even the month before I was at 640. How can I drop to 469 for nothing??

I have a ridiculous score as this company is placing someone else’s history on my file.
I’ve emailed many times and it has been proven they’re not mine however they remain.
This is just another company ran by computers or just idiots.
They are treating me like I’m a fool.
Don’t bother checking in with them they are a joke.
At least Equifax gives you a true account.

I have good credit rating with Equifax who are the leading standard and excellent with all the other parties however my credit simple keeps going down. I have no missed payments and payed off all my debts.