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• 

  Slut on 09/02/2021 - 14:51

  +3

  A reminder that credit scores differ depending on who you ask - and for the purposes of lendors, they will look at your actual report (i.e. RHI, opened/closed accounts, defaults) and not whatever "score" there is.

  • 

    cocoloco on 09/02/2021 - 15:35

    just checked, theres a section on my open and closed credit cards

    its got the closed date on cards, guess i can add 18 months on and figure out when i can apply for AMEX again

• 

  cocoloco on 09/02/2021 - 14:53

  +1

  Thx op. Just realised they have an app: https://apps.apple.com/au/app/clearscore-credit-score/id1056…

  thank god as I've been logging into Credit Savvy on a desktop for years. Seems to be same info it but cleaner.

  • 

    Russ on 10/02/2021 - 00:01

    I've been logging into Credit Savvy on a desktop for years.

    You don't have to log into Credit Savvy to know if your score has changed. That information is in the title of the email they send every month:

    "Your credit score has changed" - is what they send when your score has changed. You will have to log in to see which way, and by how much.

    "Your credit score update is here", or anything else - your score hasn't changed.

    Also, when your credit score does change, they don't wait for the next monthly email, it appears they send it immediately.

    • 

      cocoloco on 10/02/2021 - 00:28

      i've unsubscribed from most of Savvy's emails - i got so much spam from them. probably why i don't get their score update emails

      • 

        Russ on 10/02/2021 - 01:22

        If you use Gmail, you can set a filter to automatically bin all of their emails, except the ones you want.

        I only get one email a month from them, except when my score changed, and I've been with them for a couple of years. How much were you getting?

• 

  jace88 on 09/02/2021 - 14:59

  Aren't there a bunch of providers offering this service for free in exchange for your data?

• 

  roseyhead on 09/02/2021 - 15:17

  Is there any service that shows all three credit scors in one place?

  • 

    Wilder94 on 09/02/2021 - 15:20

    +2

    Wisrcredit does experian and equifax I don't think there's any that cover all three in one

    • 

      Russ on 09/02/2021 - 23:33

      I'd be wary of Wisrcredit. I tried signing up, but it wouldn't accept my Yahoo email address. So I contacted them on their "contact us" page, and they asked me to send, by EMAIL, my full name, DOB, addresses and driver's license details.

      Way to go, ask for enough information for identity theft, and ask for it to be sent by a totally insecure method. I pointed this out, and they were clueless. I declined to send them my information, they're too careless with it.

      P.S. for anyone who doesn't know, email is less secure than writing information on a postcard and sending it. It can be secure, if both the sending and receiving email server implement security, but there's no simple way to know if the receiver has set up security. Without security, email is sent as plain text, through dozens of computers, and any one of those computers can skim your information. And email gets regularly redirected through third-word countries, by "accidental" misconfiguration of the internet's BGP routers, usually the misconfiguration is done by totalitarian governments.
      https://arstechnica.com/information-technology/2018/11/major…
      https://www.itpro.co.uk/infrastructure/network-internet/3552…
      https://www.forbes.com/sites/forbestechcouncil/2021/01/11/bg…

      • 

        Oofy Doofy on 27/09/2024 - 15:36

        Someone who isn't me, said;

        "The statements are mostly true, though a few points may need additional context. Here's a breakdown and explanation of the different claims:

        1. "I'd be wary of Wisrcredit. I tried signing up, but it wouldn't accept my Yahoo email address."

        • True: It's plausible that certain websites or services, including Wisrcredit, might reject specific email providers like Yahoo due to security or compatibility reasons. Some financial services avoid accepting email addresses from providers with a higher likelihood of spam or fraudulent activity.

        2. "They asked me to send, by EMAIL, my full name, DOB, addresses, and driver's license details."

        • True: Many services request sensitive information to verify identity, but asking for such information via email is generally not a secure practice, especially if they do not explicitly use secure methods like encryption. Best practices in security encourage the use of secure portals for such data transfers, rather than plain email.

        3. "Way to go, ask for enough information for identity theft, and ask for it to be sent by a totally insecure method."

        • True: The information requested (full name, DOB, address, and driver’s license) can indeed be used for identity theft. Sending such sensitive data through unsecured email exposes users to risks. If Wisrcredit was asking for this information via email without further encryption or protection, it could be seen as a negligent practice from a security standpoint.

        4. "Email is less secure than writing information on a postcard and sending it."

        • True, but needs nuance: This statement is largely correct. Email, when unencrypted, is often sent as plain text and can be intercepted or read at various points in its journey. However, whether it’s less secure than a postcard depends on the specific circumstances. If email encryption is properly configured (like using SSL/TLS for transport), it adds a layer of protection, but this is not guaranteed without knowing both the sender's and receiver's email server configurations.

        5. "It can be secure, if both the sending and receiving email server implement security, but there's no simple way to know if the receiver has set up security."

        • True: While it's correct that email can be secure if both sides implement proper security measures (like end-to-end encryption or TLS), there's no straightforward method for a typical user to verify whether the receiving server supports such security protocols unless it's explicitly mentioned by the service. Even with encryption between servers, once the email reaches the receiving server, it could still be stored as plain text.

        6. "Without security, email is sent as plain text, through dozens of computers, and any one of those computers can skim your information."

        • True: Unencrypted email is sent as plain text and travels through multiple servers before reaching its destination. Any of those servers could potentially be compromised or malicious, leading to the risk of data interception.

        7. "Email gets regularly redirected through third-world countries, by 'accidental' misconfiguration of the internet's BGP routers, usually the misconfiguration is done by totalitarian governments."

        • Partially true, but overstated: Email routing can indeed be influenced by BGP (Border Gateway Protocol) misconfigurations, and there have been documented cases where traffic has been accidentally or deliberately rerouted through unexpected regions, including authoritarian countries. However, the term regularly may be an exaggeration. While these events do happen, they are not common occurrences for every email and are usually the result of specific incidents, not constant misconfigurations.

        Conclusion:

        • The overall claims about the insecurity of email when sending sensitive information are true.
        • The concerns raised about Wisrcredit’s practices, particularly requesting sensitive personal details via email, are valid and well-founded. A reputable service should provide secure channels for sharing such sensitive information.
        • While email security can be improved by encryption, it’s not always obvious to users whether such measures are in place.
        • The analogy about email and postcards holds merit in unencrypted contexts but needs some nuance in understanding modern encryption practices."
• 

  xbone381 on 09/02/2021 - 15:25

  +1

  does it impact on credit score to check it regularly ?

  • 

    Wilder94 on 09/02/2021 - 15:25

    +2

    No, it doesn't affect your credit to check with these sites

• 

  petebern on 09/02/2021 - 15:33

  +1

  NAB used to provide this to customers for free but have dissolved that division.

  I wanted to compare my NAB score with ClearScore so went onto their website. I was not happy that I had to provide my DOB and licence number as part of the account creation process. I would only give that information up after creating an account and confirming via email and then doing some research as to what they are going to do with my information. I chose not to continue.

  • 

    Weshouldgetsushi on 09/02/2021 - 18:08

    Yep - made me stop and think. And not bother.

• 

  [Deactivated] on 09/02/2021 - 16:38

  https://www.wisrcredit.com.au/

  eqiufax/experian in one go

  https://www.creditcheck.illion.com.au/

  for the other agency

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  dmbminaret on 09/02/2021 - 17:48

  Clearscore app is pretty good. I used it to monitor my experian file and get it fixed up.

• 

  Russ on 09/02/2021 - 23:20

  OP, it isn't obvious what we are signing up for.

  Is it like Credit Savvy, who send you an email every month, saying whether you score has changed or not?

  Is it like GetCreditScore, who send you a monthly reminder, but you have to log in to see if anything has changed?

  Or is it a once-off service?

  • 

    sw0rdy on 10/02/2021 - 07:34

    +2

    It's like getcreditscore where you need to login to check but is updated monthly and they have an app making it easier to login. I was just recommending the three providers that allow you to check your score across all three credit bureaus.

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  Oofy Doofy on 27/09/2024 - 16:00

  Clearscore & Wisr covered everything and you can use their respective app's if you like. Worked well for me.