Credit File & Report
How to Take Advantage of Comprehensive Credit Reporting
Looking to build up your credit rating? Positive actions are now taken into account! Learn how to take advantage of comprehensive credit reporting here.
Looking to build up your credit rating? Positive actions are now taken into account! Learn how to take advantage of comprehensive credit reporting here.
The property market in Sydney is booming, which has pushed rental prices through the roof. Find the top 5 best bargain areas to rent in Sydney here!
Looking to improve your smile? Got cracked, crooked, missing or discoloured teeth? From veneers to Invisalign, learn what is cosmetic dentistry here.
Learn what are credit providers, what are the different types and how they can impact you. Read our blog and find answers to your financial questions!
Dogs bring so much joy to our lives, but this does come at a cost. So how expensive is dog maintenance in 2022? Find out here and learn your options!
To avoid finding yourself in trouble, borrowing money requires strong willpower and a cautious spending habit. Learn the 5 biggest credit card mistakes here.
Even if you’re a perfect borrower who always makes loan repayments on time, hard credit enquiries will still drag your credit score down. Find out how and why.
Failing to pay off unpaid bills can land you in a sticky situation. Fortunately, there are solutions. Read on to learn how to get rid of a court judgment.
Your credit score is so fragile and can have such a huge impact on your life. But how many people have bad credit in Australia? Find out the key stats here!
The BNPL boom has made shopping so easy and exciting, but does buy now pay later affect your credit score? Find out here and keep on top of your finances!
Having bad credit can make life hard. From difficulty getting a phone contract to high interest rates for loans. Learn these key tips to avoid bad credit.
Being held back by your bad credit score? Learn what affects your credit score and how you can use it to your advantage. Find the answers here.
A Credit rating has such a huge impact on our lives, but so little is known about it. Learn what is a credit file, what info is stored and how it affects you.
Looking to spoil your Mum without denting the bank account? We’ve broken down the top 11 Mother’s Day gifts on a budget so you can find some inspo & also save!
Did you know you can check your report for free anytime? Your credit score changes all the time. So find out how often you should check your credit report.
Easter can be an expensive time full of events, gifts and eating out. This can make it an expensive time. Learn how to repair credit in time for easter!
Wondering what is bad credit and how it affects you? Bad credit is a bigger deal than you might think. Learn everything you need to know here…
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.
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!
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.
Are you looking to get a credit card? You might be asking ‘do credit cards affect your credit score?’ Find out here & move forwards with knowledge.
Got bad credit but need a loan? There’s a solution in the form of no credit check loans. Keep your credit hidden. How do no credit check loans work? Learn here!
Ranging from poor to excellent, your credit score is the difference between getting a loan and being rejected. Learn what is a good credit score here!
Read these 5 simple tips to improve credit score. It’s faster & easier than you might think to get back on track & take control of your finances. Find out here!
If you’ve taken out a mobile phone contract or applied for finance before then it’s likely that you’re familiar with this term. But what is a credit check?
Getting a black mark on your credit report can make it virtually impossible to get loan approval, but how long does a black mark stay on credit report?
If you fail to meet the terms of a credit agreement then debt recovery in the form of a default judgment in court may be launched against you. Find solutions…
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…
Do credit inquiries affect your credit score? YES! Read on to find out why, the consequences and what you can do if it’s too late…
There are so many different reasons you might be looking to take out a loan. Whether it is for a luxury expense, such as an
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!
We reveal whether credit repair companies really work & discuss the good vs the bad. Are they worth the time & money? Find out here!
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
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,
Grocery shopping is an expense that we all face, but it doesn’t have to break the bank. Here are 11 top tips to break free & save money on groceries.
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.
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.
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.
Finding yourself in a position of bad credit can be extremely stressful. Discover how the credit repair process can help you to be approved loans again.
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.
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.
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
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.
We all know the importance of maintaining a good credit score, but sticking to it can be a different story. Sometimes you need some help with credit repair, which can seem daunting, but don’t forget- you’re not alone!
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
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.
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?
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?
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?
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.
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
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.
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.
