My credit rating went up

Discussion in 'Loans & Mortgage Brokers' started by Darlinghurst Boy, 24th Mar, 2016.

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  1. Santaslayer

    Santaslayer Well-Known Member

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    18th Jun, 2015
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    Location:
    Sydney
    755 - Very Good.
    This is after 14 hits to the credit history since the beginning of time.
     
    Santaslayer, 30th Mar, 2016
    #61
  2. Chris Au

    Chris Au Well-Known Member

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    4th Jul, 2015
    Posts:
    1,247
    Location:
    NSW
    Thanks @Propagate

    mmmm, 616 for me, 815 for my partner. I think I'll put his name on the applications next time. Not sure if an application for a $40/mth phone contract reduced mine, but I'll ask for a free Veda report or 2 to check.
     
    Chris Au, 30th Mar, 2016
    #62
  3. Rolf Latham

    Rolf Latham Inciteful (sic) Staff Member Business Plus Member

    Joined:
    14th Jun, 2015
    Posts:
    10,654
    Location:
    Gold Coast (Australia Wide)
    A single enquiry for a telco is usually not enough to affect score to that extent

    Ta
    Rolf
     
    Rolf Latham, 2nd Apr, 2016
    #63
  4. Tifoso

    Tifoso Well-Known Member

    Joined:
    18th Jun, 2015
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    Location:
    BRISBANE
    I've been wondering why all my loan applications have been getting canned:

    Snap2.jpg

    Number of consumer credit enquiries DOWN ARROW DOWN ARROW DOWN ARROW hahahah
     
    Tifoso, 2nd Apr, 2016
    #64
  5. Chris Au

    Chris Au Well-Known Member

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    4th Jul, 2015
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    Location:
    NSW
    @Rolf Latham yeah, I know a small enquiry like that wouldn't do much, it was a bad attempt at tongue in cheek....

    But it was interesting that my partner's rating was that much higher than mine when we have always gone into each ownership and loan as 50:50 and we earn virtually the same wages. Not concerned by it all.
     
    Chris Au, 2nd Apr, 2016
    #65
  6. NeedMoreTime

    NeedMoreTime Well-Known Member

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    19th Oct, 2015
    Posts:
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    Location:
    Brisbane
    Why do enquiries affect your credit rating at all?
     
    NeedMoreTime, 2nd Apr, 2016
    #66
  7. mini2

    mini2 Well-Known Member

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    18th Jun, 2015
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    435
    Location:
    NSW
    921...time to apply for more credit cards and pile up frequent flyer points.
     
    mini2, 2nd Apr, 2016
    #67
  8. polpak

    polpak New Member

    Joined:
    2nd Apr, 2016
    Posts:
    2
    Location:
    Northern Rivers, NSW
    The free credit report does not provide much information, or is this ok ?

    Also those who do NOT have DL instead have Photo-ID this appears to be an identification problem for Veda :- (
     
    polpak, 2nd Apr, 2016
    #68
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