credit education

  • Three common credit myths

    Most people have a credit score, but few understand the specifics of how it is constructed. Your report could be the difference between getting a loan approved or rejected, and there are many myths attached to how the report is constructed.

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  • Six tips for future investors

    Saving money and securing a strong financial future is a priority for most Australian families today. Whether trying to map out a future for your children or simply hoping to confirm your own comfortable financial position, there are a number of different motives for investing money.

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  • Three tips to save money on holiday: Part 2

    Saving money whilst on holiday – and enjoying yourself at the same time – is no easy feat, but with Check Your Credit’s quick tips, it’s possible to cut your costs and have a memorable, fun holiday.

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  • Four reasons your credit card company might think your card is stolen

    As scams become more sophisticated so do the security measures and banks are now more capable of stamping out fraud in its tracks than ever before. Here are four common credit card activities associated with fraud that could potentially raise alarm bells in your bank.

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  • Teaching your children about personal finance

    Personal finance is something most children don’t learn in school, and until they grow up and find out for themselves first-hand how to budget and save, they remain blissfully unaware of the challenges and benefits that can come with personal finance management.

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  • Three tips to save money on holiday: Part 1

    It may sound like an oxymoron at first, but saving money whilst on holiday is possible if you’re finding your finances are getting a little tight. You can still enjoy your interstate or overseas holiday without breaking the bank, by following the below five tips to save money and travel smart.

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  • Combat ID fraud by monitoring your credit report

    Identity fraud is a significant threat to New Zealanders, costing more than $200 million in losses each year, with more than 130,000 affected annually. So how can you combat identity fraud?

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  • Avoid mortgage stress – know your credit report

    When you apply for a home loan, the credit provider will want to get a picture of your ability to pay them back. In addition to looking at your income and other financial information, lenders will check your credit report.

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  • Avoiding hidden fees in credit cards

    Many credit products contain built-in fees, and a failure to read the fine print or understand what you’re signing up to when applying for new credit may impact you later on when you receive your bill. Here are some common fees to look out for at the outset of the sign-up process to ensure you’re not surprised when it’s time to pay your bills.

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  • Talking to your partner about money

    Talking to your future spouse or boyfriend about money can be unromantic, but it’s essential for a healthy relationship and avoiding unnecessary complications down the track.

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  • 5 money habits to break

    When it comes to managing personal finances, breaking the bad money habits is easier said than done. But when habits spiral out of control and threaten to take over your life, it’s time to take a good, hard look at your financial situation and make the decision to break your bad habits.

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  • Take a financial pledge this year

    This year, take control of your debts and achieve your goals by making a financial pledge. This involves completing the sentence, "This year I will..."

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  • 4 steps towards successful financial planning

    Financial planning is about how you manage and take control of your financial situation. A common misconception is that only wealthy people should undertake financial planning, but in reality everyone should plan for their financial future if they want to achieve certain financial goals.

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  • Three spending habits that could hurt your credit file

    Are you trapped in a vicious spending cycle and blow your cash on things you can't afford? In January 2013, New Zealanders put approximately $5.6 billion on their credit and debit cards, with the average person charging $52 to their credit and debit cards. During the month, $638 million was spent on hospitality and $285 million spent on apparel. With these figures in mind, it's easy to see how spending can get out of control.

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  • New Zealanders to take on more credit as confidence grows

    New Zealanders are expecting to take on additional credit and increase spending in the early part of 2013, driven by an improved perception of their household finances and a greater ability to cover existing credit obligations. These findings provide further evidence of rising consumer confidence and a recovery in New Zealand's economy.

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  • Credit and debit card usage hits $6.8b in December

    New Zealanders put more on their credit and debit cards in the lead-up to Christmas, with the value of electronic card spending totalling $6.8 billion, according to data from Statistics New Zealand.

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  • Cleaning up your credit history

    Viewing your credit report on a regular basis is good practice to keep yourself updated on how you manage your financial responsibilities, but what happens if your credit history is less than pristine?

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  • New laws mean more data on your credit file

    New laws passed by the Federal Parliament on 1 April 2012 mean that consumer credit reports are able to start recording additional pieces of information.

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  • Ease the financial worry for young New Zealanders

    With the local and global economy providing little enthusiasm, it’s no surprise that financial security has become the number one concern of young people in New Zealand.

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  • New year resolutions set to pay off for New Zealand

    Kiwis who resolved to make 2012 the year to address their debt remain on track, according to the latest debt referral data released by Dun & Bradstreet today.

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  • Top 4 personal finance apps

    Managing your money on the go has become easier with the range of mobile applications on the market. Here are our pick of the best four personal finance apps to help you get your budget on track.

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  • Ten tips to getting out of debt

    For some, job layoffs and unforeseen external factors have loaded them up with debt. For most, however, debt is the result of extraneous spending, poor money management, or both.

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  • Stay protected against identity fraud

    Nearly 40 per cent of people do not safely dispose of sensitive information – As part of the National Identity Fraud Week, here are some tips to protect yourself against this type of fraud.

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  • Financial worry to prompt cut in Christmas spending

    Concern over finances has prompted Kiwis to tighten the purse strings over the Christmas period, with more than two-thirds of people less likely to spend on non-essentials compared to the same time last year.

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  • Three ways to save more: Part 1

    With so many bills to be paid, many New Zealanders are struggling to put away any money. Here are three tricks you can easily incorporate into your everyday life to build up a cash reserve.

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  • Kiwis in the dark on credit reporting reforms

    Nine in ten New Zealanders remain in the dark about what elements can be included on their credit report and four in ten are unaware they even have a credit record, according to research conducted by Dun & Bradstreet.

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  • Am I financially healthy?

    Are your finances in order and your debts under control? If the answers to these questions are 'no', it's time you took a simple money health check to see if you are at low, medium or high risk of financial distress.

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  • How to manage your credit card

    Now that you've chosen a credit card that best suits your spending habits and needs, it's time to start thinking about how you can best manage this little piece of plastic.

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  • Half of New Zealanders worried about financial situation

    Half of all New Zealanders are worried about their current financial situation amid a weaker economic outlook domestically and abroad, with nearly a third of people anticipating difficulties in meeting their credit obligations over the coming months.

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  • Choosing a credit card

    This week, Dun & Bradstreet compares four different types of credit cards in order to help you make a better decision when applying for credit.

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  • Comparing credit options

    The array of credit options out there makes it very difficult to choose what form of credit they should sign up for, as well as the advantages and disadvantages of each. Here, D&B explains four credit options and what to watch out for.

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  • Is debt consolidation right for you?

    Debt is an unavoidable fact of life, but when you start racking up a considerable amount of bad debt, that's when you need to start to take concrete measures to improve your financial standing.

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  • Do you need a financial planner?

    Financial planning is much more than just finding the right investment- increasingly, young people are employing sound financial advice that can help them manage cash flow and set them up for the future.

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  • D&B welcomes new credit reporting reforms

    Today (1 April 2012) marks the commencement of new laws in New Zealand affecting what can be reported about an individual's credit history and repayments.

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  • Good debt vs bad debt

    What is the difference between good and bad debt? Read on to find out more.

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  • What to do if you have been scammed

    While prevention is the best cure, sometimes fraud does strike no matter what warnings you heed and precautions you take.

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  • Managing your money with a mortgage

    Having a mortgage is a big financial commitment, but that doesn't have to mean that you live on a shoestring budget. Here are a few tips on how you can give yourself a little more spending money while paying for your mortgage.

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  • How to avoid relationship debt

    More often than not, New Zealanders fail to do their homework on their partners before merging their finances, which can result in an accumulation of relationship debt. Here are four tips to help you avoid this.

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  • How to manage your credit card debt

    Racking up a credit card debt is a serious matter, yet many New Zealanders struggle to control how much they put on their cards and fail to understand the consequences of not paying their bill on time.

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  • Mortgage Fundamentals

    There are many different types of mortgages available today, and it's important to determine which best meets your needs before committing to such an important outlay. Before you get to that point, however, you need to learn some fundamentals about mortgages in general. Below are some basics to get you started.

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  • Keep your credit card in check

    From small beginnings in the 1950s, credit cards are now a staple for wallets and purses around the world. While credit cards can be a handy option when your own money isn't readily available, they also carry a number of risks. However, if you manage your credit card well, you can effectively reduce the risks.

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  • Prevent season's thieving's

    Online shopping has become an increasingly popular way to avoid the Christmas crowds BUT, with the increase in online shopping comes greater exposure to fraud. The key to protecting yourself is to take a few simple precautions which could save you a significant amount of pain.

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  • Managing your credit history

    Your credit report shows how well you manage your financial responsibilities by recording negative credit events such as defaults (payments that are 30+ days past due) and bankruptcies. To effectively manage your credit history, follow these simple tips.

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  • Don't become a victim: Preventing identity fraud

    It seems like only a few years ago that identity theft was almost unheard of. However, today it is an increasingly common crime which, if it hasn't affected you, it has probably affected someone you know. Yet preventing yourself against identity theft doesn't have to be a complex processes, follow a few simple steps to ensure that you don't become the next victim.

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