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Free $5 Woolworths WISH eGift Card for Getting a Free Credit Score from Finder + $5 More for Each Referred Friend

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Free $5 Woolworths WISH eGift Card for Getting a Free Credit Score from Finder + $5 More for Each Referred Friend
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erd on 20/08/2019 - 14:41 finder.com.au (3667 clicks)
Last edited 26/08/2019 - 11:37 by 1 other user

Clarification: Follow the referral link (below this post, under "Referral Links"), sign up (has to be a new account), get your free credit score (Experian) and receive a $5 Wish gift card. If you refer a friend after that, you get another $5 (your friend will also get $5 for signing up.

The $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.

Offer available until 16/12/2019 or while stocks last.

I used this deal last time it was around and received the gift card, both when I signed up and when I referred a friend. No spam so far (only a notification Email when there is a change to my credit score, which I find useful).

Please note: apparently only works if this is a new Finder account on the email address you are signing up from. Thanks for the heads up @bamzero

Financial Credit Management Credit Report Credit Risk Gift Card

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closed Comments

  • erd on 20/08/2019 - 14:54
    +4

    Some reading on why you should check and keep an eye on your credit score:
    https://www.moneysmart.gov.au/borrowing-and-credit/borrowing…

    • jimbobaus on 20/08/2019 - 15:02
      +6

      Just a shame that these companies use the info to market to you and sell your data to others for the same reason.

      Also given very few lenders etc use scores they pretty much a non starter in most cases.

      • [Deactivated] on 20/08/2019 - 15:41
        +3

        Yeah, in the US, credit scores are important. You can’t rent, get a car lease, or even buy a post-paid mobile phone without a good score. People seem to know their score off the top of their head.

        You need to constantly be aware of your score, challenge any discrepancies, and minimise any activities that impact it.

        But here it’s a non-issue. I’ve never given a second thought about credit scores, and I’ve never been denied credit for anything or has any issues with rentals or phone contracts. That’s a big difference to the US, where landlords would advertise “people with a score under 700 need not apply”.

  • Ruprect on 20/08/2019 - 14:55
    +7

    Why is finder giving away $$ for people looking up a credit score. Not seeing the reasoning behind this.

    • ilovefullprice on 20/08/2019 - 14:58
      +5

      Once you have your score, finder would send you targeted products?

      • erd on 20/08/2019 - 15:01
        +2

        I opted out during sign up, never received any from them. Just credit score related notifications.

        • brokenglish on 20/08/2019 - 15:05
          +5

          Not yet. It will hit you when you forget.

    • erd on 20/08/2019 - 15:00
      +6

      My guess is that they may capture your attention with other deals going on on their website (credit card sign up, etc.). Also, effectively you create an account with them through the progress which looks good on their books.

      • itsfree on 20/08/2019 - 16:51

        Yup.

        Complete your profile to track your comparisons, access exclusive discounts, and check your credit score with one click.

    • Wilder94 on 20/08/2019 - 15:00
      +1

      Encourages people to use their other products, essentially cheap advertising

    • Miss B on 20/08/2019 - 17:39

      It may also give them information on some people they didn't previously have.

    • [Deactivated] on 21/08/2019 - 09:37

      DONT fill it out If u owe debts and are in hiding

      This is a great way to find outstanding debtors

  • itslittfam on 20/08/2019 - 15:03
    +5

    Thanks OP! Just signed up through the referral link, enjoy the $5 gift card whoever's link it was :)

    • Slo20 on 20/08/2019 - 16:24
      +2

      I got a $5 gift card just over an hour ago so I’ll say thanks in case.

  • [Deactivated] on 20/08/2019 - 15:12

    We'll give you a fiver to spam you?

    • helpdesk on 20/08/2019 - 15:32
      +13

      I already get spam, at least I get paid.

  • Akya on 20/08/2019 - 15:18
    +2

    Don't forget for those signing up, use the random referral link from Ozbargain. Those that have signed up, remember to add your referral link by clicking edit above (in the referral links grey box) :)

  • Wickadz on 20/08/2019 - 15:24
    +9

    Be careful on the information you hand over to these companies. Often you submitting your data this way will create a credit file in your name for data they can use/sell.

    These companies aren't exempt from data breaches like equifax (competitor to this) had in 2017.

    Your data is worth more than $5 by selling your name and contact details in marketing lists. You agree to this in the T's and c's

    • iamhurtin on 20/08/2019 - 17:11
      -3

      How much is my data worth?
      I'll. Happily sell it and become Fred Jones instead

    • spaceflight on 21/08/2019 - 09:30

      Often you submitting your data this way will create a credit file in your name for data they can use/sell.

      Your credit file already exists.

      Websites like Finder are just accessing and showing you what your file has in it.

      • Wickadz on 21/08/2019 - 11:12
        +1

        Your credit file does not always exist.

        Often kids (18+) haven't applied for credit - meaning there is no file. You open a credit file when you first apply for credit (or check your score in this scenario) creating a file.

        These guys can't hold information on people under 18. Finder pass the details provided to the credit bureau to match data - either it matches an existing file (and the score is shown) or a new one is created and a score generated based on demographic details provided like suburb /age /gender etc..

        Additionally experian is the smaller bureau meaning they likely don't have your details. Them offering $5 per person is indicating they're in need of some names to sell

    • [Deactivated] on 21/08/2019 - 09:39
      +1

      Exactly !!!! Be careful guys , your data name etc will now be kept and used …

  • watwatwat on 20/08/2019 - 15:25

    Free $5 Woolworths WISH Gift Card for Getting a Free Credit Score from Finder

    Is this true? I can't see it listed on the page. I know you get $5 for referring a friend, but can't see mention of the $5 for signing up.

    • nignucial on 20/08/2019 - 15:30

      Should be true since it's in the OzB referral system as well?

    • dins on 20/08/2019 - 15:35

      Got my $5 gc pretty much instantly just click through the referral link (OP or random).

      • watwatwat on 20/08/2019 - 15:46

        Thanks, also received with mine! I would recommend others to also use a referral link from ozbargain to guarantee you get both.

    • justtoreply on 21/08/2019 - 07:31

      This. OP tldr - needs fixing to be:

      Use referral link for first $5. Refer a friend for extra $5 each

      Pretty much delete everything else.

      I shanked it too :/

  • Wombat22 on 20/08/2019 - 15:26

    Signed up and got my credit score. Also used the referral link. Where does the gift card come from. Does it get emailed out?

    • erd on 20/08/2019 - 15:28
      +1

      Yes, it gets Emailed out. Looking at the Emails from when I signed up, it took about half an hour.

      • SnowDragon on 20/08/2019 - 15:38
        +1

        I got mine immediately.

  • nignucial on 20/08/2019 - 15:29

    So that they can sell your informationstudy human behavior for academic purposes!

    • [Deactivated] on 21/08/2019 - 09:40

      No, they sell it to debt companies

      For eg there is going to be someone on here who owes credit card debt and is in hiding, guess what,they are found them now

  • SnowDragon on 20/08/2019 - 15:31
    +1

    Had to open the page in Edge to get my referral code because it's a popup.

    Disable your adblocker if you're clicking a button and getting nothing.

  • dins on 20/08/2019 - 15:34
    +1

    Cheers OP :)

  • Ryder08 on 20/08/2019 - 15:37
    +4

    Thanks OP.

    Used the random referral link. I recommend everyone do the same and add their own after.

    • jace88 on 20/08/2019 - 15:55

      Yep I did that too. Hope someone enjoys it :)

  • trenttn on 20/08/2019 - 15:39

    ID not recognized

    • jace88 on 20/08/2019 - 16:08

      Happened to me too on my drivers licence. I gave up and used my passport instead.

  • Boioioioi on 20/08/2019 - 15:46

    How do you get the $5?

    • SnowDragon on 20/08/2019 - 15:50
      +1

      Once you've done the credit score you will get an email from Finder with a link to the gift card.

      • Boioioioi on 20/08/2019 - 15:56

        Yep! Just got it, there was a small delay. Thanks

  • silenthillrocks on 20/08/2019 - 15:47
    +2

    Confirmed this works. GC comes soon after registration.

  • julz15 on 20/08/2019 - 15:52
    +2

    Weird. I didn't get the gift card.

    • Sweet3st on 20/08/2019 - 16:04
      +1

      Mine didn't come through either :(

    • bamzero on 20/08/2019 - 16:07

      Was it a new Finder account? I don't think it works on existing accounts even if you haven't signed up for the credit score yet.

      • julz15 on 20/08/2019 - 16:09

        Yes. New account. Signed up. Checked spam, nothing
        Oh well

      • Sweet3st on 20/08/2019 - 16:15

        No I had a Finder account already… please update OP as I wouldn't have done it otherwise :( I want my info back…

        • bamzero on 20/08/2019 - 16:28

          The credit score page and the T&C's kind of contradict each other.

          On the one hand, the credit score page says
          "Get your credit score and comprehensive report now for free. Be rewarded with a $5 gift card every time a friend gets theirs."
          and doesn't say anything about being a new registered account.

          yet the T&C's say
          "Finder's "refer a friend" promotion provides Woolworths' WISH Gift Cards to registered users who recommend finder.com.au to people that subsequently become registered users. Each successful referrer will receive a $5 credit for each successful referral."
          and doesn't even mention the need to get a credit score, just become a Finder registered user.

  • jace88 on 20/08/2019 - 15:54

    Just did it. Hopefully I get the email soon as I saw no mention of the gift card anywhere throughout me selling my personal data process.

  • kosh52 on 20/08/2019 - 16:06

    my credit score was 769. not bad..

  • higherdestiny on 20/08/2019 - 16:07

    Used random affiliate link from post - entered my own in the pool as well. Thanks!

  • Stickout on 20/08/2019 - 16:07
    +1

    Newbie question, does registering for one of these free credit reporting servces hit your credit score snce the service WILL query your data?, Also when u cancel a credit card, does it hit your score since the bank will update your data in the database?, Cheers

    • ely on 20/08/2019 - 16:56
      +1

      No, no impact for checking - asking about your credit score is fine, it's mainly applying for credit or failing to pay for credit that impacts it.

      No major negative impact for cancelling, not like an application for credit. Probably no change, possibly some small improvement for having a reduced level of available credit limits, possibly some small negative as they can't tell if you cancelled it or it was cancelled by the issuer. Basically assume no impact.

  • videlity on 20/08/2019 - 16:09
    +1

    Got mine in around 20 minutes.

  • mythicmrmun on 20/08/2019 - 16:10
    +10

    Jokes on them, I value my private data a lot less then $5.

  • adr8 on 20/08/2019 - 16:11

    Got my giftcard, thanks OP

  • easternculture on 20/08/2019 - 16:17
    +2

    Ask yourself before you apply for this, is sharing your real name, DOB, address, email and other details really worth $5.

    Do you know how finder stores and uses your information?

    They will also gain access to some of your financial information.

    Most banks have their own lending criteria and credit scores play a small role in the final decision

    • Slo20 on 20/08/2019 - 16:30
      +2

      I’d do a lot more for less 😉

  • SpotTheOzzie on 20/08/2019 - 16:18

    821 score, good stuff..I think?

    What is everyone else getting?

    • Akya on 20/08/2019 - 16:33

      I got 814. I'm interested in knowing what people get from credit card churning for points.

      • ely on 20/08/2019 - 16:53
        +2

        Doesn't seem to have much impact - also 814 and I've had a lot of cards in the last few years, and a currently insane combined credit limit. I do have a perfect repayment history on everything though, so that possibly offsets some of it.

    • Sage on 20/08/2019 - 16:46

      731.
      What's the lowest someone here will get?
      Mine's apparently "very good".

  • snehac on 20/08/2019 - 16:25
    +1

    It has been 30 minutes since I got my free credit score report but haven't received the gift card yet. Anyone else had the same problem?

    • pegasusx on 20/08/2019 - 17:07
      +1

      Same here. Its been almost an hour. Signed up at 4.05pm

    • mick76 on 20/08/2019 - 17:07

      yes, with hotmail email account. Spoke to chat and they said up to 48 hours. The person who referred me got theirs immediately as well as their referral credit. So they are up $10 in vouchers.

  • coxymla on 20/08/2019 - 16:26

    Looks like 200x gift cards max will be issued so after 726 clicks they might be out of them.

    • bamzero on 20/08/2019 - 16:31
      +4

      That's 200 referrals per person max, total cards is undisclosed.

  • TheDukeOfNukem on 20/08/2019 - 16:39
    +1

    Since this can stack to a grand, I think OP is gonna be shopping for free for a couple months. Cheers, dude.

    • itslittfam on 20/08/2019 - 16:42
      +1

      The referral system is random. Any one of the 228 people (Currently) can receive the referral gift card

      • TheDukeOfNukem on 20/08/2019 - 17:50
        +4

        You can pick random, or you can pick OP.

        And I clicked OP's, since OP is the dude who scored me a fiver.

        • itslittfam on 20/08/2019 - 22:53

          ahh you're right
          I couldnt see the 2 options (OP or random) on my laptop but on my mobile I can.. strange

        • erd on 20/08/2019 - 23:13

          Cheers DukeOfNukem. That nick takes me back to 1991

  • Maglia Nera on 20/08/2019 - 16:40
    +1

    thanks - voucher emailed within 2 minutes of signing up

  • sathyaac on 20/08/2019 - 16:49

    This gives only experian score which most of the financial institution don't refer too.
    Equifax score is what needs to be looked at.

    • itsfree on 20/08/2019 - 16:53

      FWIW, my Experian credit report detail had the same info as the Equifax report.

      • sathyaac on 20/08/2019 - 16:58

        Same details but different scores. I don't know how that's possible.
        I checked in wisr and saw different scores for me in experian and equifax.

        • itsfree on 20/08/2019 - 17:06

          I just checked the credit report Equifax sent me, and they didn't actually issue me a numeric score. I requested it directly from them here

          More info regarding scores:

          Average credit scores vary across scorers because they're calculated differently by different financial entities. It's unlikely you'll ever find out your score from a credit provider – all you'll know is the pass or fail result after a credit application.

          Depending on the agency used, your score will be a number between zero and 1200. For example, according to Australia's largest credit bureau, Equifax, whose system runs from one to 1200 (some others run to 1000), the average Equifax credit score for an Australian in 2016 was 757.

  • ely on 20/08/2019 - 16:49
    +3

    Thanks OzB, received two referrals this arvo from last time around. Keep clicking :D

  • itsfree on 20/08/2019 - 16:54
    +2

    If anyone is having issues clicking the "refer now" button in your Finder account, try disabling uBlock Origin. It seems overly keen in blocking JavaScript on the website…

  • barozgain on 20/08/2019 - 16:59
    +2

    Quickest $5 I got
    Thanks OP

  • Okayy on 20/08/2019 - 17:02
    +1

    I’ve already sold my details to you (missed 5 bucks)

  • [Deactivated] on 20/08/2019 - 17:15
    -2

    This isn't exactly free .
    I believe your credit score goes down each time you do a 'credit check . So you are most likely reducing your credit rating somewhat, by taking up this offer.
    I'm borderline on whether or not I will be approved for a phone plan (someone ran up electric bill years ago, and I refused to pay it when the company hounded me). So I don't want to risk it with this. Even Vodafone told me not to get credit check until the time I actually want to get the phone plan, because checking it hurts your credit rating.

    • itslittfam on 20/08/2019 - 17:18
      +8

      Your credit score only goes down when a lender checks your credit score, i.e. credit inquiry on your file. If you check it yourself, you won't hurt it

      • [Deactivated] on 20/08/2019 - 17:57

        Are you sure ?
        I don't want to screw myself when I apply for postpaid plan soon. I have the latest samsung LTE smart watch, so I am forced to switch off prepaid else the telcos won't connect my watch 🤔

        • ely on 20/08/2019 - 19:15
          +3

          Yes, we're sure. Checking your credit score does not affect your score.

      • io on 20/08/2019 - 23:50

        Why does it decrease when lender performs a check?

  • shortgum on 20/08/2019 - 17:21

    completed a credit check. did not receive the egift card…

    • erd on 20/08/2019 - 17:29

      Seems to take up to half an hour from earlier reports

      • barozgain on 20/08/2019 - 17:38

        I got mine in less than 30 seconds so check junk maybe?

      • shortgum on 20/08/2019 - 17:47
        +1

        i click on your erd refer link. sign up email then verify the email and personal detail. completed the credit report, got a credit score. then wait and nothing. over 1 hour

        • erd on 20/08/2019 - 18:24

          A friend of mine signed up about 10 mins ago and his apparently arrived ok. I would email them

          • Sweet3st on 20/08/2019 - 18:27

            @erd: They wanted email address of referrer.

            • jace88 on 20/08/2019 - 18:36

              @Sweet3st: I'm in same boat… and I clicked random so have no idea who referred me.

            • erd on 20/08/2019 - 18:36

              @Sweet3st: DMed you the details

  • nubzy on 20/08/2019 - 17:30
    +2

    Waited an hour, checked junk, nothing.

    • erd on 20/08/2019 - 18:25

      A friend of mine signed up about 10 mins ago and his apparently arrived ok. I would email / live chat them

    • IamEzza on 20/08/2019 - 18:31

      same

  • non-core promise on 20/08/2019 - 18:07
    +4

    For anyone worried about their personal data, their privacy policy mentions the European GDPR and you can delete your account in Account Settings.

    What's going to happen
    Within 7 days your credit score, report and any other information associated to your account will be deleted. We'll miss you - a lot
    Type DELETE to confirm

    You can just get the initial gift card and immediately leave if you're not interested in referrals.

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