Credit Simple Review – Scam or Legit?

If you’re reading this article, chances are you’re wondering if Credit Simple is a scam.

Though Credit Simple is well-known among Australians, there are lots of negative reviews on sites such as

So you might want to know more about their business, credit scores and the controversial issues about privacy.

To give you an answer, I have spent a long time researching the company to check if it might adversely affect your credit score.

After all, everyone of us cares about the credit score which determines if we can easily borrow money from credit providers. 

But as the saying goes, “Every time you borrow money, you’re robbing your future self.” 

If you don’t want to subject yourself to the mercy of credit providers, you have to learn how to make steady passive income that helps you pay bills.

At the end of this article, I’ll share with you a proven way to make money while you’re sleeping.

Below is what I’ll cover in the review of Credit Simple.

What is Credit Simple About?

Credit Simple is owned by illion, a data analytics company. 

The parent company has existed for many years.

It is a credit reporting agency which is regulated by the financial regulatory authorities.
Credit Simple Review – Scam or Legit?

Hence Credit Simple is not allowed to sell your information to any third party. In another word, a credit provider needs to seek your approval before they can get access to your credit information. 

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How Does Credit Simple Calculate Your Credit Score?

Credit scores are calculated according to the credit you have accessed, instead of the assets you own, which is not held by any credit reporting agency.

In another word, your mortgage-free house or savings account won’t be taken into calculation.

However, since every credit reporting agency has its own way of calculating credit scores, it’s hardly possible that you’ll have the exact same credit score from any two providers.

For example, the credit score range of Credit Simple is 0 to 1000, whereas other companies have ranges higher than 1000.

Is Credit Simple a Scam?

Credit Simple is not a scam.

As a credit score agency, the company won’t engage in any activity of “phishing”. They take your privacy extremely seriously and keep your information secure.

You can check your credit file as many times as you want. This won’t lower your credit score.

But if you apply for lots of credit with a credit provider within a short period of time, your credit score will go down for a while.

The Best Way to Make Passive Income at Zero Risk

As mentioned earlier, If you don’t want to live with debt, you need to create assets that can give you passive income.

And the best way to make a stable and secure stream of passive income is starting an affiliate marketing business online instead.

Affiliate Marketing is perfect for anyone who is new to online business.

In fact, of all the online business models I’ve tried, affiliate marketing is the easiest and most rewarding so far. 

In affiliate marketing, you can actually run your business almost with zero cost and earn a sustainable passive income to pay for your bills. You don’t need any initial capital and can even do it as a side hustle.

And if you really want to learn affiliate marketing and build a business from scratch, I’d recommend you to get started with the most reputable platform for affiliate marketing: Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch. It offers you a free account (including a free website) with comprehensive training on SEO (free traffic methods), which enables you to get started with affiliate marketing right away without paying a penny.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while using free traffic methods.

Credit Simple Review - Scam or Legit?

Wealthy Affiliate has existed for 15  years and there are many success stories in the past decade.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

Wealthy Affiliate has a very simple pricing scheme. It has free and premium membership.

If you want to feel about Wealthy Affiliate, you can sign up for the free starter membership here (no credit card required). You can select to be a free member with no time limit.

And as a starter member, you can get instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, access to the keyword tool.

You can enjoy all these values without paying a penny. 

So I strongly recommend you to register a free account and see it yourself.

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