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Why lenders credit score

From a simple bank account to getting broadband from Telstra, our credit score is a major factor throughout our lives (whether we like it or not). It can decide if we get a brand new car or the perfect beachfront apartment. Our ability to buy using credit is governed by the world of credit scores and even if we don’t like the whole ordeal of being credit checked, it’s a vital process in modern day life and there are good reasons for it.

It is difficult to understand how a computer is going to determine our mortgage application, a loan or a new credit card, rather than a human being, but credit scoring does work and, perhaps surprisingly for those where t .....

3 Jan 2016 by

Ben Ryland

 in 

Credit Score

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Mortgages and your credit score

When you decide that you want to buy a home of your own, what do you do first? Whilst many of us would like to say “organise our finances, work out what we can easily afford, then think about looking at property” is this what actually happens?

More often than not, we get caught up in the excitement of looking – now at the touch of a tablet or mobile phone we are able to see houses for sale or up for auction. Before you know it, you are upping the budget in $10,000 increments and working back through to the monthly mortgage payments to see if you can stretch your monthly income to pay back the loan.

So, in an ideal world, what should you do before you look for that dream home? Well the first step is to check your 10 Nov 2015 by

Kelly Luff

 in 

Credit Score

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Check your credit score

Your credit score can make or break your credit applications, which is why we think you should know all about it. Find out what your score is – it’s free for all subscribers.

23 Nov 2011 by

Ian Carpenter

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Credit Score

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Beat the rise in interest rates

Despite the Australian economy showing signs of stabilising, interest rates rises are around the corner – pre-empt the Reserve Bank by taking control of your personal finances now.

10 Aug 2009 by

Ian Carpenter

 in 

Credit Score

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Google to use credit scores

The results you see on Google may be affected by your credit score, if trials in the USA prove successful and are rolled out to Australian Google users.

7 Jul 2009 by

Richard Catlin

 in 

Credit Score

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