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Get a Free Credit Score + Refer a Friend = Get a $5 Woolworths Gift Card @ Finder

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Get a Free Credit Score + Refer a Friend = Get a $5 Woolworths Gift Card @ Finder
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Store Repfindercomau on 27/12/2018 - 14:59 finder.com.au (994 clicks)
Last edited 27/12/2018 - 15:23 by 1 other user

Finder is running an incentivised refer a friend campaign for our free credit score and comprehensive report service.

All you have to do is sign up and apply for your credit score on Finder and refer friends to do the same.

Every time a friend gets their credit score, Finder will reward both you and your friend with a $5 Woolworths WISH eGift Card that can be redeemed in-store or online at participating Woolworths Group stores. You can earn up to $1000 in gift cards through referrals as part of this promotion.

Learn more about Credit Scores and how they are calculated.

Offer available until 30/6/2019 or while stocks last. Terms and conditions apply.

Financial Credit Report Gift Card

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  • easternculture on 27/12/2018 - 15:07
    +31

    Wow $5 to buy all my personal information (name, dob, drivers licence number etc )

    No thanks

    • Merlict on 27/12/2018 - 15:11
      +3

      Seriously! Can't justify a neg but this is a pretty awful idea.

      • easternculture on 27/12/2018 - 15:12
        +4

        If they are offering up to $1000 per person via referral, it just shows you how valuable personal information is

        These financial companies need to educate people about sharing personal information rather than offering peanut money to encourage people to share their details

        • spaceflight on 27/12/2018 - 16:27
          +1

          The money would come from referring you to products and having you sign up.

      • ely on 27/12/2018 - 16:36
        +2

        The credit agencies already have the information; I haven't looked (rep can probably clarify if they can be bothered, but maybe they won't want to) but I assume you're also giving finder.com.au access to a lot of the same information for their own use.

        I churn through credit cards and so want to keep an eye on my score anyway, so use creditsavvy, creditsimple, and getcreditscore anyway; the credit providers do already have access to most information (although it's amazing how long some enquiry information takes to feed through to them).

    • johnyBgood on 27/12/2018 - 15:33
      +2

      It's not that bad, a friend of mine was a victim of identity theft and accumulated 65K worth of debt, she was only alerted when she applied for a phone plan and got denied due to his credit history. If only she has a credit history account like this then it could have been prevented as they normally email you if there are changes in your credit history. I have 3 credit history accounts from different providers and always receive notification if there are changes in my file.

      • spaceflight on 27/12/2018 - 16:00

        What you are talking about is different to getting your credit score.

        To get the reports you are best going to each credit reporting agency.

        • johnyBgood on 27/12/2018 - 16:35
          +1

          It's similar, I use the 3 providers from your list below that was recommended by the ACCC. Apart from getting your scores, you can also see all the inquiries and other details made under your name.

      • easternculture on 27/12/2018 - 16:04

        The biggest reason for identify theft is sharing your personal information and this deal is a classic example.

        Even the biggest corporations have been hacked and personal information stolen.

        https://en.m.wikipedia.org/wiki/List_of_data_breaches

    • [Deactivated] on 27/12/2018 - 19:13

      After reading the title I was thinking the same.

  • povertytrap on 27/12/2018 - 15:19

    Seems like a worthy deal, just refer a family member. Thanks OP.

  • w3b3d1g1 on 27/12/2018 - 15:36
    +3

    There should be no hesitation in knowing your credit score. With comprehensive credit reporting and new credit reporting used in banking it is essential. Finally you can access you credit report once per year. I did so recently and found 2 errors which i got removed. I took my credit score from average to excellent which meant less friction when I got a car loan recently. I also checked a friends and found 3 credit checks (in error) for one increase limit application. removing this took her score from bad to good. I use www.Getcreditscore. More details on Credit Scoring that I found handy:

    https://www.regionalaustraliabank.com.au/the-inside-story/ar…
    https://www.regionalaustraliabank.com.au/the-inside-story/ar…

    • jimbobaus on 27/12/2018 - 16:38
      -3

      Essential?
      Hardly any lenders actually use these scores when assessing you for credit.
      These services make their money by selling your info to credit providers etc
      No point in using any of these services at all they literally have no value at all.

      • points4life on 27/12/2018 - 19:53
        +2

        Everyone has a credit score (unless you live off grid and don't rely on anything or anyone). Finder, Credit Savvy, Get Credit Score etc etc offer monthly updates at no cost just so they can sell you credit products. You could go to the credit bureaus direct and get a free report once a year but it's a tad more tedious. And yes, all lenders use credit scores: either from Experian, Equifax or D&B (or all 3).

        • jimbobaus on 27/12/2018 - 20:09
          -1

          They use credit reports not credit scores.
          There is a difference.

          • points4life on 27/12/2018 - 20:33

            @jimbobaus: A credit report results in a credit score. It's a calculation made by the bureaus. Banks and lenders use this score; you can tell because some use it to auto approve applications. If an application goes to manual review I'm sure they will dig deeper and actual check the report to see what it is you have applied for and what's currently still open.

            • DangerNoodle on 28/12/2018 - 03:24

              @points4life: I agree, they definitely use both. Had a chat with a lender whilst getting a loan a while ago. I was told that they used my credit score to determine whether or not they would be willing to lend a person money, then a combination of your payslips and credit reports to determine how much they are willing to lend.

            • jimbobaus on 28/12/2018 - 18:49
              -1

              @points4life: I work in the industry and we don’t look at scores at all. We look at your report and base our decisions on internal lending criteria. Online when you apply with us the system checks your report for issues and if any are found it says “more information needed” if the report comes back clean we conditionally approve online and then validate internally.

          • w3b3d1g1 on 28/12/2018 - 13:12

            @jimbobaus: A credit score is based off your credit report. If you monitor you credit score (as everyone should) and you see a dip, you need to asking why….. With CCR (comprehensive credit reporting) in play you have the ability to improve you credit worthiness. It is my opinion CCR, transaction categorisation and open banking will transform our experience and relationships with banks. You are basically deempowering people by saying it has no value. Are you just talking about Finder??

            We have seen via the royal commission how incompetent most banks are and they make errors on people credit files all the time! You need to be on to this.

            Finally, join a customer owned bank. Better rates, better service and better for the community you live and work. The big four bank on apathy and inertia and us Ozbargainers are not lazy!

      • Your Friend on 27/12/2018 - 20:23
        +2

        sorry mate that’s just wrong, I’m in the industry and can tell you pretty much all lenders factor credit score into their underwriting assessments

        • jimbobaus on 28/12/2018 - 18:47
          +1

          As am I and can tell you we don’t look at scores. We look at your report and base the decision on our own internal lending criteria.

      • w3b3d1g1 on 28/12/2018 - 13:02
        +1

        That is factually wrong. Risk departments at bank all review credit reports and scores at the point of application.

  • spaceflight on 27/12/2018 - 15:57
    +4

    Is there a way to get your credit score without having to hand all your information over to a third party that will use it for marketing?

    The ACCC recommends these but they all look to be driven by advertising https://www.moneysmart.gov.au/borrowing-and-credit/borrowing…

    • Creditsavvy (Experian score)
    • Credit Simple (illion, formerly know as Dun and Bradstreet score)
    • Finder (Experian score)
    • Getcreditscore (Equifax score)
    • WisrCredit (Equifax and Experian score)
      • spaceflight on 27/12/2018 - 16:02

        Thats a full credit report, which is different to a credit score.

        You can also only get 1 free credit report per year.

        • hm on 27/12/2018 - 16:08
          +1

          includes credit scores, not sure about the other one

          http://www.experian.com.au/how-to-read-your-credit-report

          https://www.equifax.com.au/

          • spaceflight on 27/12/2018 - 16:10
            +1

            @hm: Thanks, so with the credit score websites you are basically handing over personal data so you can see your score more than once per year for free.

            • hm on 27/12/2018 - 16:12
              +1

              @spaceflight: pretty much, the ones i linked to are the actual credit reporting agencies, all the other providers, ie- this deal, will give you an update to your score monthly

            • jimbobaus on 27/12/2018 - 16:40

              @spaceflight: Nope. Credit score and credit reporting are completely different.
              You can get a free credit report once a year or within 30
              Days of a credit decline. Credit scores are a useless number that these services use to get you to sign up. They make their money by onselling your info to credit providers etc.

              • w3b3d1g1 on 28/12/2018 - 13:03

                @jimbobaus: It is not a useless number at all. it is actually a very helpful number to asses your credit health.

        • ely on 27/12/2018 - 19:36

          Pretty sure you can get one free credit report per year per credit reporting agency, of which there are three for most of AU (Experian, D&B, and Equifax). So if you stagger them right you can get slightly different info every four months instead.

          • jimbobaus on 27/12/2018 - 20:10

            @ely: Yes it’s once per year… or within 30 days of a credit decline (so you can find out why you were declined)

            • ely on 27/12/2018 - 20:35
              +1

              @jimbobaus: Yeah, no, it's once a year per agency.

              Also, they don't make money from selling your info to the credit agencies - they don't collect anything that they don't already have. They appear to make their money by trying to sell you additional services, e.g. credit cards, loans, and other credit related products for which they can receive a referral fee.

              The numbers are somewhat useless, but then, so are the full credit reports which are still not all that comprehensive. A mortgage broker friend pulled a much more detailed version from Veda (now acquired by Equifax) and it provided far more detail than the free report that Veda provided (but was still a staggeringly sparse picture when you think that mortgages get issued in part off the back of that info).

              • jimbobaus on 27/12/2018 - 20:47

                @ely: You are legally entitled to a free report if you are declined for a credit service but you must request the report in 30 days.
                I worked in an industry that did credit checks daily and the information given to us to pass onto customers included this info.

                If you are declined due to privacy we can’t disclose anything more than “declined due to information contained in your credit report”
                And as such the only way to find out why the decline occurred is to get the report and they must supply one free of its been less than 30 days since the decline.

                • ely on 27/12/2018 - 21:06
                  +1

                  @jimbobaus: We seem to be talking at cross purposes here; I'm not trying to deny that you can get a free report after a credit application is declined (I've never tried, so I assume it works as advertised). I'm just saying that you can get more than one free credit report per year because the agencies don't know when you've got one from another agency and so you can get one from each every year even if you haven't been denied credit.

                  • jimbobaus on 27/12/2018 - 21:06
                    +1

                    @ely: Oh yeah sorry for misunderstanding you.

                    • ely on 27/12/2018 - 21:49

                      @jimbobaus: NP, I could have been clearer!

    • DoaAn on 27/12/2018 - 17:14
      +2

      Experian sells your data to mailing lists like Greater Data. My sister recently received christmas cards from MFPA which were addressed to me, but sent to her place. I chased it down trying to find out how they got my full name linked with her address (where I've never lived). MFPA sent me to Greater Data who informed me that they bought our details from Experian.

    • welcomeUniverseWorld on 27/12/2018 - 18:34

      I have not heard about WisrCredit before.

    • w3b3d1g1 on 28/12/2018 - 13:06

      I use getcreditscore who is owned by equifax. Very good.

  • spaceflight on 27/12/2018 - 15:59

    According to the website the deal does not end 30/6/2019

    Offer available until 31/12/2018 or while stocks last. Terms and conditions apply.

    • ely on 27/12/2018 - 16:39
      1. Finder reserves the right to end the promotion if our stockpile of WISH Gift Cards is exhausted prior to 30 June 2019.

      Or while stocks last may be the limiting factor; it could be exhausted tomorrow for all we know.

    • Store Repfindercomau @ Finder on 28/12/2018 - 15:47
      +1

      The offer has now been extended through 30 June 2019.

  • bargain ben on 27/12/2018 - 16:44
    +1

    Only $5 to give away all of your personal details and get spammed with offers forever? No thanks…

    • spaceflight on 27/12/2018 - 16:50
      +1

      You can delete your account and information with Finder.

      If you delete your finder account then your personal information is deleted immediately, and the remaining information is anonymised

  • welcomeUniverseWorld on 27/12/2018 - 18:35

    Is there any place I can see Equifax credit report for free?

    • spaceflight on 27/12/2018 - 18:36
      -1

      Getcreditscore (Equifax score)
      WisrCredit (Equifax and Experian score)

    • points4life on 27/12/2018 - 19:56
      +1

      from Equifax direct. They're obliged to provide you 1 free report each year by law. That's in exchange for banks and financial providers selling your data to them before buying it right back haha https://www.equifax.com/personal/education/credit/report/how…

    • jimbobaus on 27/12/2018 - 20:11
      +1

      By requesting it from them direct.
      Credit score sites do not provide you with your report but a made up
      Number they create based on the info on your report. They look at it but they don’t send it to you.

  • ViperAMD on 27/12/2018 - 20:21
    +1

    These guys will use all your data to advertise and spam the shit out of you, and your friend. This is so far from a deal IMO.

    Also how can this be a clause, so dodgy:

    Finder reserves the right to end the promotion if our stockpile of WISH Gift Cards is exhausted prior to 30 June 2019.

  • povertytrap on 27/12/2018 - 21:47

    Tried to do this for a relative, which is permitted under the t&c, and was refused as ineligible for this offer.

  • povertytrap on 27/12/2018 - 23:48
    +1

    Did one for someone else and the gift cards came instantly.

  • aztecian on 29/12/2018 - 04:23
    +1

    Already member of creditsavvy so this is a bit of a dup but who doesn't like extra $5? (well apparently a lot from above comments:)
    Used the referral link above and sign up and received $5 in my email instantly. Next step is to refer my family members.

  • iversonjack on 10/01/2019 - 11:22
    +1

    Thanks, gift card came instantly.

  • erd on 19/06/2019 - 14:18

    Thanks OP, used the random referral link. Entire process takes only a couple of minutes. Woolworths gift card arrived almost instantly.

  • bashar20 on 19/06/2019 - 18:16

    Hey OP. I signed up using referral link hit my report but I didn’t get the $5 wish gift card!!!
    Pls advise.

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