Author: Jack

what is a credit default
credit listings

What Is A Credit Default?

Do you have a credit default? Are you worried you might receive one? Find out what is a credit default, how you can avoid them and what to do if it’s too late.

how often does your credit score change
Credit Rating & Score

How Often Does Your Credit Score Change?

Your credit score can be very fragile. The slightest mistake and your score could plummet. But how often does your credit score change? Find out here.

what is the statute of limitations
Tips

What Is The Statute Of Limitations?

Unpaid business invoices have to be recovered within a certain time period. Don’t risk forfeiting the payment altogether. Learn how it works in Australia…

how to check your credit score
Credit File & Report

How To Check Your Credit Score

Find out how to check your credit score here. It’s fast & easy and being aware of it puts you in the drivers seat when applying for finance!

Credit Rating & Score

Does Afterpay Affect Your Credit Rating?

The introduction of shop now, pay later technology has been revolutionary in how many retailers offer payment for their products and services. It has been

what is comprehensive credit reporting
Credit File & Report

What Is Comprehensive Credit Reporting?

Introduced in 2018, positive credit reporting gives lenders more information about your credit history. We explain what comprehensive credit reporting is and how it affects you here,

the credit repair steps follow the journey
Credit File & Report

The Credit Repair Steps – Follow The Journey

Follow the journey of a client who needed a loan, but had a bad credit rating. The steps towards credit repair are easier than you might think. Here, we tell the story of what steps to take if you find yourself with a bad credit history.

how to save money on a low income
Tips

Save money on a low or reduced income

We all want to save money so that we can plan a better future for ourselves. We have various goals such as traveling, buying a car, purchasing our dream home – but when we have a relatively low income, this might seem impossible.

Does Checking My Own Credit Score Hurt It?
Credit File & Report

Do Credit Inquiries Damage Your Credit Score?

If you’re wondering whether or not credit inquiries can lower your credit score, the answer is ‘it depends’. While a soft inquiry will not affect your credit rating, hard inquiries can. Here’s why.

||Starting Over After Defaults||
Credit File & Report

How To Avoid Getting A Default

It’s easy to lose control of your finances, but don’t let it affect your credit score. Late/missing repayments can leave you in a sticky situation when it comes to borrowing money. Find out how to avoid getting a default on your credit file.

does buy now pay later affect credit score?
Credit Rating & Score

CommBank & Klarna: Shop-now-pay-later can affect your credit score

Online shopping has taken over in the past decade as more and more people escape onto the internet for their everyday shopping needs. You can have everything delivered to you at the click of a button, from the comfort of your couch. This is even easier now that Commonwealth Bank has partnered up with Klarna. But does Shop Now Pay Later Affect your Credit Score? It makes shopping more exciting but comes with risk

how does credit repair work
Credit Rating & Score

Credit Repair – How Does it Work in Australia?

Credit repair is a term used to describe the process of improving an individual’s credit report. This can be achieved through the removal or adjustment of incorrect negative credit listings from a person’s credit file. Credit repair is a possibility in Australia, but first, it’s important to understand what could have damaged your rating in the first place.

importance of a credit score
Credit Rating & Score

Why Is My Credit Rating Important to a Lender?

How many of us really know what credit rating is? Yes, we hear a lot about it when we open our bank accounts or we read about it in an article but we still have little to no idea as to how it can affect us, how to manipulate it and why it is so important to our lender.

how to rebuild bad credit
Credit File & Report

How do you rebuild bad credit?

With Christmas on the horizon, there is much “talk” of the tendency of many people to go into debt for the holiday. Obviously, overspending is a serious concern, especially as it can lead to bad credit. But what if you already have bad credit? How do you rebuild a bad credit score? Is there such a thing?

ways to earn extra cash this summer
Tips

10 ways to earn extra cash this summer holiday

The end of the year is always a busy time and it’s no secret that the holidays can leave us feeling a little strapped for cash. These Summer holidays, why not pick up a side hustle and see if you can bring in some extra money to help you make those ends meet?

are credit repair services legitimate
Credit Repair

Are credit repair services legitimate?

Whether we’re down on your luck for a little bit, or got a bit careless with your finances, bad credit isn’t the be-all and end-all. But there are times where you have marks made against your name without being aware you had done anything wrong.

new year financial goals
Tips

How to setup new year financial goals

With only a few weeks until the start of 2020, now is probably a good time for you to decide upon one or more New Year financial goals that you feel is/are realistic and perfectly achievable. Whether you are in a strong place financially or are struggling, it would be great to put in place at least one such goal that you can maintain

overspending on credit card
Tips

Why You Should Stop Overspending On Credit Cards

Stepping up into the world of credit cards is an exciting milestone that we often aren’t prepared for. It’s also a big adjustment. While most of us have an idea of how the credit card works before we dive in, it can be all too easy to get carried away or step back from responsible spending.

difference between hard and soft credit enquiries
Tips

The Difference Between Hard And Soft Credit Enquiries

Before you go ahead and take out a loan – whatever type it may be – it is important to shop around and make sure you are getting the best deal. Once you decide to apply for a credit product, whether that is a credit card, a loan, or a utilities application, then a credit enquiry is recorded on your file.

what happens if you default on your credit
Credit Rating & Score

What Happens If You Default On Your Credit Card?

A credit card can be of so much significance in your life and can also be part of what brings you misery in life. The choice is yours. If you happen to make use of your credit cards wisely, then you will be happy to use them.

credit file has been fixed
Credit Repair

My Credit File Has Been Fixed. What Now?

There are many different reasons you might find yourself with a bad credit file. Let’s face it, we all go through a bad run of luck from time to time, and it’s often due to circumstances beyond our control.

how does your partners credit score affect you
Credit Rating & Score

How Does Your Partners Credit Score Affect You?

When it comes to your credit score, most people are quite rightly concerned at where theirs sits and what they can do to boost it. But did you realise that your partner’s credit score also affects you?

how personal loans affect your credit score
Credit Rating & Score

How Personal Loans Affect Your Credit Score

You’ve crashed your car, you’re looking to start a new business, you have unexpected medical bills… There are so many reasons people take out personal loans, which can help pay for unexpected expenses when you don’t have cash on hand.

what is a default and can it impact your credit score
Credit File & Report

What Is A Default And Can It Impact Your Credit Score?

What is a default and can it improve my credit score? How do you get a default? Will I be able to apply for a loan? A default can drag your credit score down and drag your hopes of securing credit. We’ll break it all down so that you do not have to fear your credit file.

money saving tips for share houses
Tips

Money saving tips for sharehouses

Bessie Hassan Sharehouse living has its ups and downs. Whether you love or loathe your housemates, there’s one thing everyone can agree on: being broke

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Latest News

What Is Lifestyle Creep And How Can You Avoid It?

After years of working hard at your nine-to-five, a pay rise can seem like the perfect excuse to treat yourself. Of course you need a lavish holiday to Hawaii. And those nice leather boots — you’ve earned them!

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Credit Repair

Credit Repair Tips

Credit repair is not a piece of cake-but there are things you can do to bounce back from your past credit mistakes.

how mobile phone affects credit score
Credit Rating & Score

How Your Phone Plan Can Affect Your Credit Score

From social media to fitness apps and Internet banking, it’s hard to get by without a smartphone these days. And while they save endless amounts of time and help us stay connected, thousands of Aussie consumers are running into telco debt.

Can Court Judgements Be Removed From A Credit File?||||court judgements||Can Court Judgements Be Removed From A Credit File?||Do you have a bad credit||||||
Credit File & Report

Can Court Judgements Be Removed From A Credit File?

One of the most common questions we are asked is “Can Clean Credit remove my court judgement from my credit file?” The answer to this question can undoubtedly make all the difference to your business

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Credit File & Report

How To Improve Your Credit Score

If you’ve got a bit of a guilty conscience when it comes to your credit history, you’re not alone. Around  2.7 million Australians avoid checking their credit report for fear of having a bad credit score.

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Latest News

Great Money Habits To Start In Your 20s

Your twenties are notoriously expensive. Most people are living out of home for the first time,trying to find that elusive balance between paying rent, saving for a home and maintaining a colourful social life

"How to Avoid a Bad Credit Rating"
Credit File & Report

5 Ways to Avoid a Bad Credit Listing

If you want to avoid a bad credit listing, make sure that you are paying your utility bills, credit card balance, mortgage, personal loans and other types of debts on time. It is a bit challenging to do so-especially if you have limited income, so we put together practical and simple tips to avoid negative entries in your credit file.

Financial Hardship
Credit File & Report

Financial Hardship: Eligibility and Conditions

Are you trying to negotiate a repayment arrangement using financial hardship? If so, here are some important things to consider. Financial hardship means you are having difficulty in repaying your loans and debts when they become due because of two main reasons:

Financial Hardship: What You Need To Know
Credit Repair

Financial Hardship: What You Need To Know

Life happens, and sometimes it can take an unexpected turn. You are suffering from financial hardship if you are struggling to make ends meet, and finding it hard to pay your utility bills or to meet your loan repayments because of the following circumstances: