Information was accurate
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!
Lots of fun LOL
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.
I never knew this existed
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.
They start to manipulate the scores once you create an account with them
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?
Poor systems full of "internal errors" and slow service to correct
1. Two false loan contract account enquiries with a lender I've never been associated with
2. System says the enquiries have been investigated and found to be valid, but I'm told by Credit Simple that is not the case and that one investigation is still in progress
3. Errors take ~6 months to investigate
4. If you contact them, you get the run around e.g. call Illion, call the lender and when you call all of them, they say to call Credit Simple
5. My score has s...
Thanks for clearing that up!
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.
- Verified customer
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.
- Verified customer
Helpful and do what they say they do. Happy with this service
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.
Score decreased by 200 in a month??
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’ve got listings that don’t belong to me
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 1 default on my file, a default that I am paying off and according to Equifax it is the ONLY default. However Credit Simple haven't even listed that default, instead they have listed two overdue payments that HAVE NO BEEN DEFAULTED, as defaults and given me a score of around 168??? When my Equifax confirmed score is much higher.
Crap. It fluctuates constantly as well when all my payments are regularly paid each fortnight and I have NEVER missed a payment. Scam artists.
Worrying that this company is dictating your financial future
I got my credit report from these people, and asked why my score had dropped 200 in one month despite having an excellent credit history and ensuring that my limits on my 3 credit cards were reduced and have a zero balance on them. I wrote an e-mail asking how this figure was reached and got a generic response e-mail, and at the exact time my credit score went up to 653 from 432, now i have looked again on exactly the same day and it has dropped to 453. Apparently my credit rating has changed from this morning to this afternoon. Should make sur...e that I get any credit in the morning. What a joke. I cannot believe these people can get away with this kind of stuff. What a load of crap about algorithms, surely credit scores should be based on excellent credit history which I have, no defaults, no late payments, no missed payments for the last 15 years that I have lived in Australia. Clearly not, get you act together please and reflect peoples true circumstances.
Questions & Answers
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?
Why do you send me unwanted emails. I have no interest in your service
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?
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 firstname.lastname@example.org 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!
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