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Credit Simple

Credit Simple launches Clear Name, a way for people to clear outstanding defaults at a discount

Today we announced we’re launching Clear Name, a sister business to Credit Simple, which is going to give Aussies a way to clear outstanding defaults at a discount. Clear Name is an Australian first, and it’s designed to give people a chance to pay off unpaid defaults online and at their own discretion. People will be able to access Clear Name through Credit Simple. We reckon Aussies deserve the best shot at living a healthy financial life, so we’re calling…

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The 2016 Census results are in: How do we look?

Census 2016 made its fair share of headlines. From #Censusfail, to the ensuing Senate Committee hearings, to the thousand and one think pieces breaking down everything that happened – more people probably talked about the Census itself than actually participated. But on June 27 this year, the Census data was finally released – and it provides a unique snapshot into living in Australia. From cultural makeup to credit scores to cars we own: mistakes on the night aside, the Census…

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Here’s the highest credit score possible (and how to achieve it)

On a scale of one to a thousand, are you a human or a unicorn? You may not know it, but that’s essentially the question everyone asks when they seek out their credit score. At Credit Simple, your credit score runs between 0 and 1,000 – the higher the score, the lower the likelihood of you incurring a black mark against your name in the next 12 months. Anything under 500 is generally viewed as a poor credit score, and…

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Eight ways to dine out on a budget

Saving money doesn’t mean saying no to dinner dates. It’s totally do-able to dine out without spending big. Here are eight tips to spending small when dining out: 1. Avoid share plates. It’s hip to share, right? Well, not when it comes to your wallet. If you’re eating out with a group and everyone is sharing food tapas-style, it’s all too easy to blow out your budget. Those delicious dishes at $15 a pop may seem like a small amount,…

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Wanting to get a foot on the property ladder? Here are five strategies to help you get there

As a young would-be home buyer, it can be tough getting a foot (or even just a big toe) on the property ladder. To help set Aussies up for success, CreditSimple.com.au spokesperson Emily Price provides her top tips for first time buyers to get started. 1. Use your score to leverage a better deal “The first step is to check your score via CreditSimple.com.au. If it’s above 700, you’re an attractive customer and you should pick up the phone to see…

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Know your rights: What to do if you’re being chased by a debt collector

There’s nothing like owning a ferocious guard dog for dealing with debt collectors. Chomp, chomp, chomp. There goes the arm of that dastardly fella. Well, not really. Setting the dog on the debt collector isn’t going to solve your problems – it’ll just make them worse. Debt collectors don’t even taste that nice (or so we’re told). It’s easy to stick your head in the sand when you can’t (or forget to) pay a bill. But leaving all those envelopes…

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Six ways to save money while on holiday

Living life large while on holiday doesn’t mean blowing your budget. It’s possible to enjoy every minute of your well-deserved break and possibly come home with cash to spare. Here are our tips to travelling well while spending less: 1. Package it up There was a time when the phrase ‘package deal’ made us think of budget airlines, cramped hotel rooms and noisy, sunburnt tourists. Now, thanks to companies like Luxury Escapes, it’s easy to nab a great deal to…

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Queensland the place to be for young Aussies looking to get their first home, research shows

Young Aussies in Queensland are more likely to be in the market to own their own home than any other state, according to our research.  We’ve looked at mortgage application data (from January – June 2017) broken down by region, and it shows Queensland has the highest proportion (17 per cent) of mortgage applications among people under 30 in Australia, compared to making up only 15 per cent of all applications nationally. Queensland is followed closely by Western Australia (16 per cent)…

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Shocked female
How a $560 phone bill stopped a home loan application dead in its tracks

It’s easy to go through life ignoring your finances. Money, bills and investments are topics that are often thrown in the too-hard basket, and we live with the mindset that if we pay the bills, our finances should be in order. But it’s not quite that simple, and as Melbourne resident Krystle* discovered, something as small as a late payment can come to haunt you years down the track. “I’ve always been a really organised person,” Krystle says. “The importance…

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Robot and human connecting
Tips to save everyday on technology

Technology has become a crucial part of our everyday lives. Whether it’s talking, texting, catching up with family on social media or searching for the latest recipe to cook for dinner. However technology is increasingly becoming more expensive. Here are some tips to save money. 1. Understand your bills Understand the plan you are currently on. What are the fees and charges? Go through your bills and make sure you understand what the items are you are being charged for. If…

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