sreda, 04. marec 2009

Credit History #2

On the other hand here, we have a perfect "credit" candidate - Mr Rudi, who gets approved for just about anything without questions. Difference between me and him is:
  • He works for a true Aussie company (earns less than I do though :-) where his manager according to Australian fashion isn't so awfully busy (yeah, he has a life) and actually answers his phone calls - My manager is a German and a very typical at that, he's as busy as a bee and impossible to get on the phone to verbally confirm my employment.
  • Rudi is an instinctive and slightly compulsive shopper who once went and simply bought a motorcycle on a credit card... his thoughts were, "Hell, I'll use that interest free period!". - And I am the silly young girl who puts money into the savings account before she buys herself things.
Time to get serious now. I'm not hurt (except for my pride maybe) by the fact that I can't get approved for a phone account. It's not like I'll suffer because of that but my little experience in this financial jungle out there gives me a good indication in where the western world has gone all wrong about credit rating. In debt we trust so to speak and unless you're indebted to a certain degree, you mean absolutely nothing. The more indebted you are, the more they luv ya' ;-)

3 komentarji:

Anonimni pravi ...

Mogoce obstajajo kaksne kartice, kjer ne gredo tako togo gledat history? Kaksne prepaid, platinum, whatever variante?

KrisTina pravi ...
Avtor je odstranil ta komentar.
kaalen pravi ...

No KrisTina... sej lastnega sporocila ni bilo treba brisati. Na tem blogu velja freedom of speech dokler ne pride do nekonstruktivnih zaljivk ali rasizma (do sedaj mi se ni bilo treba posegati). Verjami mi, da je tudi mene zaskrbelo, da je v mojem credit filu kaj cudnega (in mislim da vsak bralec dobro ve zakaj), pa sem zato zaprosila za celotno kopijo - in res ni bilo nic cudnega notri, pravzaprav ni bilo notri prakticno nic razen kreditne kartice, poizvedbe za elektriko in mortgage pri ANZ, vse navedeno so zgolj poizvedbe in 0 posojil. Me pa po eni strani veseli, da ne verjames v tovrstne tezave, ker to pomeni da jih sam(a) nisi imel(a), kar je good.

Da pa malo na splosno razlozim kdo so potencialni kandidati za tezave:
- tisti ki delajo za moderne organizacije ali start-upe, ki nimajo stacionarnih telefonov. Nas office npr. je del korporacije in do nedavnega nismo uporabljali landline telefona, kar pomeni da nismo bili v yellow pages (in v papirnem se vedno nismo) - tak nacin oglasevanja za branzo v kateri delam nima prevec smisla. Verifikacija zaposlitve pa poteka na tocno ta nacin: kreditor pogleda v yellow pages in preveri ce je firma za katero delas tam in ce se telefonske stevilke ujemajo. Ce ne verjames vprasaj svojega osebnega bankirja.

- tisti ki delajo za korporacije in dobivajo placo nakazano iz tujine, ker v tem primeru na bank statementu pise samo "offshore telegraphic transfer"

- Tisti ki delajo na contract (contractors) ali so samozaposleni (vkljucno franchises). V to kategorijo potencialno pade veliko ljudi, ki delajo v information technology, graphic design, konzultantstvo itd. Ce pa si samozaposlen pa je nekako rule of thumb da moras laufati vsaj eno leto in imeti tax statement, ki ga dobis po koncu financnega leta.

- Ce si zaposlen pri isti firmi manj kot 3 mesece, kar je logicno, ker je obicajno to se vedno poskusna doba.

- Ce imas bad credit history - po domace povedano, si nekoc v zadnjih 7 letih vzel posojilo/narocnisko razmerje in nisi odplacal svoje obveznosti. Smatram da vecina migrantov se ni prisla do tja.

- Ljudje ki so mladi, recimo pod 25 ali pod 30. Statisticno gledano smo smatrani za bolj "neodgovorne".

Razlicne firme imajo razlicen rating sistem, so... no big dramas, enostavno pojdite k drugemu ponudniku in je problem resen.