Live your best financial life

What affects your credit score?

The factors that determine your credit rating have changed dramatically in recent years, so let’s begin with a brief history lesson. Back in the old days (okay, before April 2012), your rating was only based on negative credit events, such as defaults. This meant lenders…

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What is a good credit score range in New Zealand?

One of the most frequently asked questions that we encounter is ‘what is a good credit score?’ Without context, your rating (which will be between 0 and 1,000 at Credit Simple) won’t give you the information you need to better understand your creditworthiness. So we’ve…

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What can you do with your credit score?

What is my credit rating and what can I do with it? Credit Simple CEO David Scognamiglio chats with Channel 9 news on all things credit scores, what exactly they are, and how you can use your score to get a better deal on items…

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Mortgage intel: How to refinance your home loan

A mortgage can easily end up costing you thousands more than it needs to, maybe tens of thousands, if you’re not always looking for the best deal. Sometimes you can do better by refinancing to a mortgage with a lower interest rate. But it’s not…

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How can I fix my credit rating?

Is your credit score making lenders wince? Maybe it’s even in the ‘zero zone’? You might struggle to obtain mortgages, car loans, credit cards and other forms of borrowing if you fail to fix your rating. The good news is that you’re aware there’s a…

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