Credit Cards
Credit Card Advantages And Disadvantages
Considering getting a credit card? Read about the credit card advantages and disadvantages here before making your decision!
Considering getting a credit card? Read about the credit card advantages and disadvantages here before making your decision!
The personal loans vs credit cards debate has been argued about for years. We break down both types of finance to conclude which option you should go for…
Keeping up with bills is tough. But it’s crucial. Wondering “what happens if I miss a loan payment?” Find out the consequences here & how to avoid them.
Do you find it hard to saving money? Are you looking for a simple solution to help you? We break down our top 3 best money saving apps Australia!
Having a low credit score may be affecting your ability to get loans or credit you apply for. If you’re worried about how expensive it
Having a payment default on your credit report can greatly affect your next loan application. Every credit card holder should be aware of the negative effects of having credit default.
We are often asked if paying an account will lead to the listing being removed from a credit file. This is an interesting question. Read on to find out more on this topic.
Are you always maxing out your credit card? Do you let your bills pile up? It can be easy to do but unfortunately this activity can have a detrimental effect on your credit report. A poor credit rating might not seem like a big deal, but lenders will view any negative listings on your credit report as a red flag.
If you have a bad credit, you already know that you need to work with the most trustworthy credit repair company you can find.
The holiday season is an expensive time of year. Many Aussies resort to credit to get by, but this often results in a lingering debt hangover. A recent study by Finder revealed that 37% of Aussies will still be repaying their Christmas debt in 2020. Carrying a high amount of debt can damage your credit score
Are you wondering why you may have a bad credit rating even after keeping your credit card balances low or staying below your credit cards spending limits?
Christmas is notoriously expensive, and costs can start piling between end of year celebrations and Christmas shopping. Those without enough cash saved will often resort to credit to tide them over. But this can result in a post-festive debt hangover that lingers well into the new year.
Plenty of us are guilty of overspending during the holiday period, but this carefree attitude to money can end up damaging your credit score in the long run.
No one plans to fall behind on their personal loan repayments, but sometimes life can get in the way. You might have to fork out for urgent dental work, or maybe you received a speeding fine in the mail..
Like many people out there, you might be wondering: “why is it so important for almost every lender?” Also, you might be asking: “how do I get my credit file and how can I use it?”
You may have read tons of articles about “tips on how to fix my credit”, but they often involve paying down your debts. What if you are financially hard up today, but you want your credit score fixed so you can get a better loan, job or perhaps a nicer apartment than what you could get with your current credit score?
Your credit score Australia is a snapshot of your credit behaviour. A borrower can improve and fix the information on a credit file by making simple adjustments in debt management.
Your credit file contains information that serve as basis of your credit score. Creditors look into this three-digit number that mathematically interprets the information in your credit file. You can access a copy of your credit report from credit reporting companies like Equifax. Your credit report will allow you to review any credit related activity such as credit enquiries and credit card balances.
Not everyone can apply for serious financial hardship. Not getting enough money to pay your bills or to meet your daily needs wouldn’t suffice. The law set specific circumstances where individuals can take refuge from this legal exception. Serious hardship is a situation in which you can no longer pay your debts and bills. It is a relief offered by creditors and the taxation office to release borrowers from certain types of financial obligations
Australia has one of the most booming economies in the world, yet so many Australians have bad credit score. Their rating limits their ability to borrow money, leading to more debts and money problems. In reality, the main culprits of credit problems are weak money management and poor financial planning. The question is—what credit repair tips can help you Fix Your Credit Rating and help you achieve financial satisfaction?
Discover the most practical steps that can help you improve your credit ratings and strengthen you financial portfolio.
Do You have a bad credit score ? You are not alone. Discover how you can recover from a bad credit score. Read on to learn how you can regain financial freedom.
Explore some of the ways in which your credit repair can improve your credit rating.
If you want to get a perfect credit score you may need to go out of your way to do so. Discover some of the best ways to quickly raise your credit score.
Many people are looking for easy ways to fix bad credit simply because a bad credit score will disqualify you for almost anything. Luckily, a few debt management techniques and lifestyle changes can help you improve your score.
Bankruptcy is a painful learning experience that reminds us that we messed up with the way we managed debts. But, just like everyone else who stumbled, it is a reminder that we should get back on our feet, shrug off the momentary embarrassment and move forward to a better financial future. Fortunately for you, there are measure which can help in repairing your credit after bankruptcy.
A credit score is a number that represents your repayment habits, credit history, credit mix, and how you manage your debts. In short, there are various factors that credit bureaus consider aside from your outstanding debts and how good you are at paying them on time. A credit score speaks so much about your credit worthiness or your ability to repay your debts.
If you have unpaid defaults, it will be marked on your credit file or result in court judgements. Not making minimum payments on your credit card or missing payment schedules for loans without speaking to the company or lender about coming to some payment arrangement for payment could damage your credit score
If you have taken credit for any reason and you were unable to pay on time, then you’re probably one of the borrowers with less stellar credit rating. And so, you might be asking yourself, “How can I strategise debt management to give my credit rating a boost?”
Short term no credit check loans are one of the most accessible loans available for people with and credit. It is highly effective in filling up the income gap And addressing common money problems facing people on a day to day basis
What is the Statue of Limitations NSW and how can it help you clear your debts? Did you know that the Statute of Limitations NSW erases some of your 6 year old debts?
Is your spending pattern driving your credit score in Australia to its lowest point? Here are some tips to help you save more, spend less and earn more in the process.
Personal loans bad credit can help you get through financial glitches. But, how practical is it?
Are you a financially aware but your spouse hates saving? Conflicting opinions on money are one of the most common reasons of fighting between couples. Here are tips to save money and boost your credit rating without fighting over money.
There are three major reasons why a person’s credit score goes down. Having too much debt, not paying bills on time and leaving errors on the credit file undisputed. The bottom line is, you’re overcharging your credit accounts and underpaying them. If money is the issue—then, it’s time to do some saving up.
Self-employment gives you the ultimate freedom to pursue your passion whenever and wherever you want, and the total control over your earnings without worrying over how to get a bad credit rating removed.
Judgments can stay on your file for a minimum of seven years if you don’t clear credit history. But, it doesn’t mean you cannot re-establish your credit right now to access more low-interest credits.
Are you a full time employee trying to fix bad credit? Here are tips on how to save and spend money not only to improve your credit but to build wealth as well.
Have you ever wondered if you can repair your own credit score ? Are you actively searching for companies that can help remove your defaults? Whilst some companies offer a 100% guarantee removal, this is not the case.
A higher score means you will pay on time, but you’ll pay late or never, when your score dips below the average—that’s how lenders see it. Perhaps you’ve read too many positive vs negative credit rating comparisons already and you understood why it’s so important for lenders. So, this time, we’ll give you fresh ideas on how you can turn your negative rating into a positive one based on your credit rating.
“I have a bad credit and I’m working on it. But, just because I’m fixing my bad credit doesn’t mean that I won’t be throwing a huge birthday party for my kids”
It’s not easy to obtain a positive credit rating especially if you already have a bad credit. But messing up one time doesn’t mean that you can no longer correct your wrongs and build a better credit standing. Here are steps that can help you make a lasting change in your credit standing:
The first thing that should concern you is exactly how much you’ll be making on your new job. What kind of lifestyle can you afford if you want to put your credit back on track?
There are many things that can affect my credit rating. The most known factors are unpaid debts, missed payments and multiple denied requests. However, what about pre-approval loans?
If you don’t know what’s in your credit file, you might be in for some trouble the next time you want to apply for a loan or credit card.
If I had a dollar for every time somebody told me “My credit rating is going down and I have no idea why,” I’d be living in my own building, not apartment.
If you’re a constant borrower, you know by now that credit rating or score, however you call it, is crucial. It’s one of the first aspects a lender takes a look at when you apply for a new loan.
It’s less likely somebody doesn’t get the sweats when his credit score is dropping for no apparent reason. Since we’re talking about finances, we must be aware of the fact that nothing ever happens for no good reason.
While higher credit scores represent good credit decisions and responsible borrowing, bad credit works the other way around. For some borrowers, short term loans no credit check is a key ingredient for improving their credit rating, as it helps them pay off their debts on time—while they wait for their finances to get better. But, is it?
Unlike what some people think, bankruptcy is not complete surrender, nor is debt consolidation an all-out solution.
Here are five common mistakes to avoid when applying for personal loan bad credit:
When you find yourself in a difficult financial situation where you need to obtain quick loans to meet your needs, a poor credit score may get in the way. Many people in need of serious credit repair often resort to debt consolidation loans or debt management programs to increase their credit score.
Credit repair letters represent the best method you can use to repair your credit score.
When you are desperate, you are more vulnerable to scams of credit repair and dodgy money lenders whose sole purpose is to take advantage of you. Such a credit repair scam can cost you thousands of dollars, and if the service fooled you once, it will fool you again.
Understand the benefits of debt consolidation loans for bad credit and how you can make it work to improve your credit score.
Do you have errors on your credit file? Are you stressing about how to remove these errors ?
Your credit score is a reflection of your borrowing habits. Sometimes, it is a product of typographical errors, inaccurate reports and identity theft.
Let’s face it, not everybody wants to fix their credit report on their own. It is time-consuming and sometimes, an emotional process for many consumers.
Are you planning to maintain your good credit rating? Or do you need to improve your current credit score, so that you will have more financing options?
Having bad credit rating is a sign that your finances are going down the drain and debts are starting to appear.
