Credit Simple

Believe the reviews, these guys are the worst – I was "invited" to apply for a loan which according to the offer I was entitled to based on my credit score via "Credit Simple". So I applied and was knocked back - thats fine. What I didnt expect is for 200 points to be wiped off my credit score for the privilege. I would warn ANYONE against applying for finance that is referred by Credit… Read more

Simple unless you are 100% of getting approved.

I have been working to improve my file over the past year or so and these guys destroyed it in 10 minutes.

Slow servers, can rarely log in (even when every single other website I go to loads perfectly via fast NBN) – Don't waste your time. After you give them all personal information, its very clear that this is just a platform to spam you targetted credit offers. WHEN you can log in (good luck), the whole website is tailored to force feed you credit offers/referrals. I highly suspect that they send you an email 'to inform you of a credit change' to… Read more

encourage you to log in and see that change, only to get bombarded by offers.

And that's if you can get past the log in screen.

Use a different credit check company, this one isn't worth your time.

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Horrible! Inconsistent and absolutely terrible agency to get your credit score – I changed power provider and after a simple credit check showed up on my credit file,my credit rating suddenly gone down 130 points. Changing my credit from very good to fair. How is this acceptable.I also signed up with Credit Savy and Get credit score both showing my credit to be excellent. Steer away, they won't let you unsubribe from their… Read more

service or delete your account with them ever.I emailed them to query why such a significant change to my score.. Still waiting on them to reply. Why are these people still allowed to operate..

Professional service that works like it says – Credit Simple is a credit score company owned by a reputable credit reporting bureau. So far, so good. It's a breeze using their site and I find it quick accessing the credit report. More than just a credit score which comes in handy like spendtracker, default clearance, financial tips. One thing I'll make note of, responsiveness on investigating things could be faster, as it's a stressful time for people - but overall very happy.

Like the comparisons – My score is above and probably comparable to other credit score companies. What I really liked about Credit Simple was the comparison items in the Dashboard - so you can see how you rank against other people similiar to you. That helps to give me context, especially because I'm at Uni and above average for my age and sociodemographic.

Not a good score (my fault though) – I'm not happy with my score (I got a zero score), but that's my fault not Credit Simple. No wonder I wasn't getting any approval with some of my applications. Any ways, I've got a few things to fix up on my file so I will do that and keep an eye on it. Overall aside from my own bad score I think the site is good and good that it's free. Thankfully I'm no longer in the dark. So I'm heaps happy.

Protest Credit Simple – Credit Simple sends too many credit recommendations, if you are new to credit rating it has zero warning about applying fir their recommendations without any fault or default. Credit Simple will continually tell you that you have an excellent credit rating and send applications they say your rating will allow you to apply without stating you will… Read more

have an adverse rating for 3 years or more if the application is not accepted. I had an excellent rating and was recommended to apply for finance for $10,000 and more. I applied to my bank at their recommendation and 3 years later I am still suffering for one objection they recommended me to apply for. Meanwhile during this 3 years I have better credit ratings with other finance sites and I wish I had never used credit simple advice! Do not trust anything they send you and do not apply for any credit referrals they recommended! I absolutely hate credit simple!!!

Impossible to sign out – Even after multiple emails with confirmations from their side that they would remove me, I still receive emails re my credit score. One piece of advice to anyone thinking of looking at their score through them, DONT!

If i could give no stars, i would. Terrible service, and wrong information! – These guys never have the right information on their files, EVER! I had my score reduced by 50% for no reason at all. No credit applications, all my debts are paid in full and none outstanding. This company needs to be removed. They are not helpful and i tell everyone i know to keep clear. Don't use their service. Its a waste of time and you wont get anywhere with them.

Should not be allowed to exist! – Credit Simple get their information for your credit report from Illion who should be investigated for the very poor and unfair way they determine your credit score. How is it possible to have an excellent score from Experian (Credit Savvy), a very good credit score from Equifax (Get Credit Score) and only a fair credit score from this incompetent… Read more

bunch of hacks? Same data, no defaults or infringements and yet this lot can destroy your application for credit. Do not sign up to them or take up any of their offers. Appauling credit reporting agency who should be made accountable for their actions.

Don't, I repeat don't, ever sign up for Credit Simple – I'm unable to unsubscribe. There is no way I can do it through the dashboard. I am sick of the emails but most importantly, I do not trust this organisation with my private information. If I am unable to get my account removed, I will be reporting this company to APRA, ASIC or any other relevant Ombudsman.

No Contact - no customer service – Eight emails over 4 weeks requesting information - nothing heard. Yet promotional material continues to arrive in my email. They are oblivious to their duty of care and no customer service. Companies dealing with this organisation should reconsider. In my opinion Credit Simple Is a scam and tarnishes your brand. I will promote a boycott of Credit… Read more

Simple and your products if you continue to deal with substandard 3rd party companies such as Credit Simple.

Scammers – I have unsubscribed from their emails over 50 times and still get spammed daily, they don't even disclose where they got my credit information from, absolute spammers, stay clear of these guys

Not what it claims to be – The “credit score” angle is just a hook so you can be sent a multitude of “special offers” for credit cards and other financial products. Once you signup there is no obvious way to delete your account. Request for them to delete your account only results in a spam “ we will get back to you” email. Don’t sign up and don’t be fooled.

Inaccurate information – This credit history company holds inaccurate and outdated information not congruent with other more reputable companies. If you are to set up an account with a credit history provider please use credit savvy.

Inaccurate info held on file + very dodgy offers – Inaccurate information held on me. Very dodgy offers from Moola and the like. Why the heck would I take advantage of one of those rubbish offers when I have such a good credit score? Offer something a bit more decent to us with excellent credit ratings to make it worth our while.

Not the right or accurate information – I contacted more then three time update them about my closed accounts which paid off showing in my credit file. I have no default payment. Did not have any credit enquiry since dec 2017. Always pay credit payment or bills on time also showing is up to date in history but every month score keep droping from last 18 months. Dont get any reasonable… Read more

response or specific reason for that. So not bothering any more. I constantly get spam saying there's been activity when there hasn't and the website adverts are just annoying and inappropriate.

Inaccurate, missing half my details – I checked credit simple, credit savvy and Equifax. My Equifax had every account and payment logged being very detailed, Credit simple wasn't as detailed and credit simple had completely out of date innacurate information. It doesn't even show or perhaps consider payment history. I had two very similar ratings from credit savvy and Equifax;… Read more

however, credit simple was 20% less! I hope companies don't use this for checking potential customers credit! I constantly get spam saying there's been activity when there hasn't and the website adverts are just annoying and inappropriate.

Spam Emails – I have received large amounts of spam emails ever since I joined the Credit Simple service. I thought perhaps this was a coincidence however I have since learned that they are selling customer information to third parties.

Simply didn't work – Tried to activate my account multiple times with the activation email leading to a "We've encountered an error" page with no further explanation. Very frustrated and won't be using this service, instead I will look elsewhere.

Very back communication and feedback – The theory is them investing credit checks on your account sounds great if you don’t have to wait 5 months without feedback. Still waiting to hear back from them. I have sent them many emails asking how the investigation is going NO reply.

Beware! Using this site made my score worse! – So this seemed like a great idea - I used to have a Veda advantage subscription so there were no surprises in my report - my score is classed as ‘good’. I was very impressed with their tailored offers. I saw a low rate credit card offered with 16% interest free balance transfer. So I applied, but was rejected. Then I go back to my dashboard to… Read more

find my score has dropped by 25 points because of another enquiry! I’m absolutely furious that they advertise these offers which are not appropriate for the user and then penalise you for it! It gets two stars for being free and having a score plus explanation - but beware their offers, they’re a joke.

Absolute joke, stay clear of credit simple – Registered 4 day's ago and still no credit report? There automatic email i recieved was confirming I'd be sent a email within 24hrs but 4 day's later still no response? Tried emailing customer support but still no reply, pls avoid this company and try credit score instead, not happy.

Easy – Ended up on the credit Simple website after searching for balance transfer credit cards, got my credit score, got a credit card offer after that so took it out. Thought it was too good to be true, but read up on the sites about how it works and it is legit. Easy process, I'd use it again for other credit stuff too.

Similar to the UK – I moved to Australia recently from the UK, where credit scores are the norm and most people know their score and have gotten their credit history. Good to see Credit Simple operating in the market, would be good to see it in the UK too. My credit score was average as I only have one line of existing credit here in Australia, but that will change… Read more

rapidly. No problems with the company and what I got for my time and effort put in. Will continue to monitor my score through Credit Simple. Does anyone know another site I can check out?

Have fun trying to get off their mailing list - Harassment personified – Interesting initial experience, but after the short thrill of having some insight into how lenders view your financial status, this becomes an albatross you cant get off from around your neck. The emails keep coming and you cant unsubscribe from all their emails (only some). If you are even tempted to explore this experience, hit yourself on the head with hammer now to snap yourself out of it. Avoid, avoid, avoid.

Happy as a CLAM – I think it's hilarious that people are so angry at Credit Simple here, you'll see them reviews in the 2nd page or at the bottom of the first. I see there's a real lack of understanding about credit scores and how your credit history works, especially LOL at the people who want to have their credit history deleted - dude, you ticked the box! I've… Read more

known about credit scores for a long time so I think it's a bit silly. Putting my two cents worth in because I think Credit Simple does a great job, and obviously has to deal with a lot of people who just don't have a clue. Educate yourself first before writing a review, at least you'll correct yourself before putting any of these credit bereau agencies down. It's a simple 101 truth.

Excellent service, one of the best – As part of a uni research project I've been looking at the credit reporting arena, so I tested Credit Simple along with other credit score companies, and got my credit file from each of the credit reporting bureaus. I would have to say Credit Simple is one of the best, if not the best, in particular due to the transparency on their website and their responsiveness on social media when asking questions. Thanks. Highly recommended!