Quickest way to get 100 pts for credit checks?
Aug 4th 2009, 10:47 am
#1
BE Forum Addict
Thread Starter
Joined: Apr 2005
Location: Melbourne
Posts: 4,553
Quickest way to get 100 pts for credit checks?
Was reading up the Virgin Broadband+home phone package+post-paid mobile packages - they all require a credit pre-approval (for post paid package).
As a new migrant with no credit history, what's the quickest way to build the minimum 100 points required by Virgin. I can only get 30 points for my overseas passport/primary id. Any tips?
Would overseas credit card statements, bank statements, overseas private insurance card (with photo) be considered?
- in which case I have no problem.
Ta
As a new migrant with no credit history, what's the quickest way to build the minimum 100 points required by Virgin. I can only get 30 points for my overseas passport/primary id. Any tips?
Would overseas credit card statements, bank statements, overseas private insurance card (with photo) be considered?
- in which case I have no problem.Ta
Aug 4th 2009, 11:18 am
#2
Joined: Jan 2005
Location: Asia Pacific
Posts: 4,922
Re: Quickest way to get 100 pts for credit checks?
30 points for a passport ???
The 100 point ID check is a government standard. A passport is worth 70 and a drivers licence 40 for example.
Actually scrap that I just looked at their site which seems to make things up as they go. Very peculiar and differs from the banking system and even the ID check set out by Virgin Money Credit cards.
Do you not have a drivers licence, or have opened a bank account yet ?
The 100 point ID check is a government standard. A passport is worth 70 and a drivers licence 40 for example.
Actually scrap that I just looked at their site which seems to make things up as they go. Very peculiar and differs from the banking system and even the ID check set out by Virgin Money Credit cards.
Do you not have a drivers licence, or have opened a bank account yet ?
Last edited by Centurion; Aug 4th 2009 at 11:23 am.
Aug 4th 2009, 11:37 am
#3
Home and Happy
Joined: Dec 2002
Location: Keep true friends and puppets close, trust no-one else...
Posts: 93,814
Re: Quickest way to get 100 pts for credit checks?
Was reading up the Virgin Broadband+home phone package+post-paid mobile packages - they all require a credit pre-approval (for post paid package).
As a new migrant with no credit history, what's the quickest way to build the minimum 100 points required by Virgin. I can only get 30 points for my overseas passport/primary id. Any tips?
Would overseas credit card statements, bank statements, overseas private insurance card (with photo) be considered? - in which case I have no problem.
Ta
As a new migrant with no credit history, what's the quickest way to build the minimum 100 points required by Virgin. I can only get 30 points for my overseas passport/primary id. Any tips?
Would overseas credit card statements, bank statements, overseas private insurance card (with photo) be considered?
- in which case I have no problem.Ta
Aug 4th 2009, 12:12 pm
#4
BE Forum Addict
Thread Starter
Joined: Apr 2005
Location: Melbourne
Posts: 4,553
Re: Quickest way to get 100 pts for credit checks?
Thanks......Am still in Dubai, we're flying next week. So we are on ground zero at the moment. Will probably buy one Virgin pre-paid mobile initially and my daughter could use it thereafter.
Once we've got our rental sorted then I'll need to get the home phone/broadband bundle. I shudder to think of my phone bill o/a international calls - Just Mobile is by far the cheapest (@39c a min, no connection fee, billed by the sec).
Will open an account as soon as we arrive (HSBC probably). My sis-in-law is happy to provide a reference to open an account, although she banks with CWB (and I'm not too happy with their minimum balance requirement of $50k before they starting socking fees
).
Once we've got our rental sorted then I'll need to get the home phone/broadband bundle. I shudder to think of my phone bill o/a international calls - Just Mobile is by far the cheapest (@39c a min, no connection fee, billed by the sec).
Will open an account as soon as we arrive (HSBC probably). My sis-in-law is happy to provide a reference to open an account, although she banks with CWB (and I'm not too happy with their minimum balance requirement of $50k before they starting socking fees
).
Last edited by IndieG; Aug 4th 2009 at 12:15 pm.
Aug 4th 2009, 12:14 pm
#5
Crazy Cat Lady
Joined: Apr 2004
Posts: 65,493
Re: Quickest way to get 100 pts for credit checks?
Thanks......Am still in Dubai, we're flying next week. So we are on ground zero for most things at the moment. Will probably buy one Virgin pre-paid mobile initially and my daughter could use that thereafter.
Once we've got our rental sorted (that's when I'll need to get the home phone/broadband bundle sorted). I shudder to think of my phone bill o/a international calls - Just Mobile is by far the cheapest (@39c a min, no connection fee, billed by the sec).
Will open an account as soon as we arrive (HSBC probably). My sis-in-law is happy to provide a reference to open an account, although she banks with CWB (and I'm not too happy with their minimum balance requirement of $50k before they starting socking fees).
Once we've got our rental sorted (that's when I'll need to get the home phone/broadband bundle sorted). I shudder to think of my phone bill o/a international calls - Just Mobile is by far the cheapest (@39c a min, no connection fee, billed by the sec).
Will open an account as soon as we arrive (HSBC probably). My sis-in-law is happy to provide a reference to open an account, although she banks with CWB (and I'm not too happy with their minimum balance requirement of $50k before they starting socking fees
).
and I don't get fees 
Aug 4th 2009, 12:18 pm
#6
BE Forum Addict
Thread Starter
Joined: Apr 2005
Location: Melbourne
Posts: 4,553
Re: Quickest way to get 100 pts for credit checks?
PS: Is it the NetBank saver a/c? Just saw it.
Last edited by IndieG; Aug 4th 2009 at 12:24 pm.
Aug 4th 2009, 1:33 pm
#7
BE Forum Addict
Joined: Apr 2008
Location: Epsom
Posts: 1,705
Re: Quickest way to get 100 pts for credit checks?
A lot of banks are fee-free if you have your salary deposited into them.
100 points is an identity check, not a credit check. You may pass the identity but the credit requirements will probably be stricter.
Generally for mobile phone accounts you will need bank statements, utility bills etc.
100 points is an identity check, not a credit check. You may pass the identity but the credit requirements will probably be stricter.
Generally for mobile phone accounts you will need bank statements, utility bills etc.
Aug 5th 2009, 9:26 am
#9
BE Forum Addict
Joined: Mar 2004
Location: Sydney
Posts: 1,628
Re: Quickest way to get 100 pts for credit checks?
Officially CBA require $50k (credit or debit) to not have to pay the account keeping fees but depending on the branch you can get this waived (I told our branch I was going to BankWest and they waived them for 12 months without any problem).
re the 100 points, open a bank account using your passport for the 100 points when you arrive, then get them to send a letter to your address giving you official paperwork. Registering with Medicare will give you further ID as will your bank card when you receive it.
re the 100 points, open a bank account using your passport for the 100 points when you arrive, then get them to send a letter to your address giving you official paperwork. Registering with Medicare will give you further ID as will your bank card when you receive it.
Aug 5th 2009, 10:44 am
#10
BE Forum Addict
Thread Starter
Joined: Apr 2005
Location: Melbourne
Posts: 4,553
Re: Quickest way to get 100 pts for credit checks?
Ta Spottydog
