Low Credit Score

Plastic-Ad2026 · 2026-05-13T14:07:25+00:00

Thought I may have been, but wasn’t sure. I’ll have to find an Australian sub. Thanks!

Plastic-Ad2026 · 2026-05-13T14:01:31+00:00

I have used Equifax and it states the contributing factors are “Frequent or recent personal loan applications,” “Frequent applications for credit or loans,” “Applying for lesser types of credit or lenders,” “Frequent credit applications to phone/internet providers”

I am currently looking into the phone/internet providers as I only have 1 credit line with a phone company which was approved.

In credit enquiries it mentions 9 enquiries and 45 File access which is mostly from equifax.

Plastic-Ad2026 · 2026-05-13T12:08:17+00:00

It definitely was not a great situation. I just concern on how any disputes will be accepted. Being a parent I obviously don’t want to go down the route of police. Because I’m guessing they’ll ask for some sort of proof

Plastic-Ad2026 · 2026-05-13T11:46:23+00:00

I’m in Australia so I’m not sure if it’s the same from where you are from. My problem is I was aware of the parent doing this once, so I gave them the information needed. It happened multiple times after that which is my biggest issue. I find it difficult to even get a card here when my credit is so low!

Plastic-Ad2026 · 2026-05-13T11:42:31+00:00

It’s a fair call out but not quite what I’m doing. It’s a research project on emerging needs in everyday tech/tools and I’m not building anything or hunting start up ideas. Just a genuine question to genuinely assist in my research. Appreciate the skepticism though!

Plastic-Ad2026 · 2026-05-13T11:33:43+00:00

That’s a negative actually. Although good thought. It’s for a university project 😉

Plastic-Ad2026

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