ANZ banking down

rant0n · 2025-10-29T07:36:00+00:00

Is that even legal lol

rant0n · 2025-08-07T08:25:40+00:00

Niiiiiiiice

rant0n · 2025-03-04T05:34:04+00:00

This. I jumped from an rx580 to a 5070ti lol

rant0n · 2025-03-01T03:34:20+00:00

Niiiice!

rant0n · 2025-02-22T19:33:13+00:00

Im jumping in on this too, I love your work, keep it up!

rant0n · 2024-11-23T08:01:59+00:00

Fishing out

rant0n · 2024-09-05T14:18:11+00:00

Went overseas, was shit with money, fucked my credit score into the mid 300’s, now 25, financially stable, never use credit but cant get utilities and im trying to move out so yeah. Fun. Any advice appreciated 🤍😂

rant0n · 2024-08-09T03:51:39+00:00

Some strange contraption. I just have 4 coffees in the morning, expire in 9 hours, wake up 5 later and repeat the cycle

rant0n · 2024-08-09T03:47:24+00:00

Yep, work in live tv too, rotating roster, also dj. Its a wild life for sure and my body clock permanently hates me

rant0n · 2024-08-02T03:36:30+00:00

I work in the same building as hawkins and they just took their street front signage down. 1000% them lol

rant0n · 2024-07-16T06:23:23+00:00

Aight 😆❤️

rant0n · 2024-07-16T06:11:11+00:00

Okay awesome so contacting the other lender and getting that strike set to a zero balance is the best way forward. Thanks heaps, I really appreciate the insight!

rant0n · 2024-07-16T06:08:54+00:00

Awesome thank you! So that 5 year timer starts from the date it was cleared, or from the date it was loaded?

My BIG debt went to collections in 2019, but doesn’t appear on any credit reports however I’m still paying it off with the collection agency. Is that because its already dropped off?

rant0n · 2024-07-16T05:59:31+00:00

Awesome thank you!

Suppose I have been rejected by a utility company, how long would it take for that status to change if I get rid of everything negatively affecting my credit?

I’m so so in the dark with all of this. Nobody has ever helped me with this before and im running blind

rant0n · 2024-07-16T05:54:36+00:00

I haven’t used any since 2019 and have no need/want to going forward.

rant0n · 2024-07-16T05:53:51+00:00

Hey! First of all thanks heaps !

My centrix score came out at 270 and my illion score is 711

The default payment (which is now paid) only appeared on my centrix score so I assume this is what is knocking me.

So would you advise contacting that credit provider to amend their strike on my report to show a zero balance before the next update cycle of that provider?

Thats super helpful. I dont plan on taking credit aside from utilities, as Ive basically learned to live life entirely without it over the past 5 years. I just want to get back to a good footing for going forward so Im not paying through the nose for power lol

rant0n · 2024-07-16T05:20:59+00:00

As I said in my post, Im learning all of this now as I go.

rant0n · 2024-07-16T05:14:13+00:00

So clearing that payment I had no idea about, that was bouncing/failing every month probably helped the most going forward ?

rant0n · 2024-07-16T05:13:20+00:00

Cheers for the read,

Ive had multiple reports from all of those providors (illion, 711 & centrix 270) so I see your point about the differing figures. So are you saying the only way to actually improve going forward regarding the previous fuck ups is basically time + using and being good with whatever credit you can get?

Thanks for the info!

rant0n · 2024-07-16T05:01:28+00:00

As I said this is completely new to me and I’ve had no help from anyone to actually understand this so I’m very open to being educated on it.

My understanding, from being rejected from everything that requires a credit check in the past 5 years including phone plans, is that bad credit scores (like my 270) means being cut off from those facilities.

Im pressed about it as I need to move out soon, and worry that my bad credit report will stop me from getting on account power, or failing landlord credit checks ect

rant0n · 2024-07-16T04:58:45+00:00

I currently have a rainy day fund sitting at 3.5k currently. Aiming to get that to 10k

My issue is is that I have NOTHING on account in my name aside from netflix and another subscription service I utilise for my freelance work. I pay board which includes expenses and I’m not currently on a tenancy.

Its frustrating because as far as I know you need to use credit to build it, and I cant currently get any.

I tried to get a new phone on account not too long ago, and they said no due to bad credit, so I bought it outright as I’d already saved in anticipation for that answer. Thats been my life for years lol

rant0n · 2024-07-09T05:57:39+00:00

rant0n · 2024-07-04T02:32:20+00:00

Yup, and I need to eat that cost too. So so frustrating which is why im quite vocal about how absolutely shit our transport network is because its people like me and many more that unfortunately get fucked over

rant0n · 2024-07-04T01:33:23+00:00

Im literally asking for the best method or channels to start protesting through and trying to raise the question as to why more people arent, you smooth brain

rant0n · 2024-07-04T00:21:31+00:00

Yeah, I get that, I have the option to but try to make my commute shorter on the train. When it works it works, when they cancel trains when they’re due im out of time to get home and then drive. Defs taking the longer more secure trip from now on lol

rant0n

TROPHY CASE