Blog

what is a credit check
Credit File & Report
Jack

What Is A Credit Check?

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?

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the credit repair steps follow the journey
Credit File & Report
Jack

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.

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how to save money on a low income
Tips
Jack

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.

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Make Sure There’s No Credit Default on Your Report
Credit File & Report
Diane

Avoid defaults on your credit report

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.

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Credit File & Report
Jack

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.

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

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

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how does credit repair work
Credit Rating & Score
Jack

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.

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Tips
Diane

The Side Effects Of Having Bad Credit

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.

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how to manage post-festive debt
Tips
Diane

3 Ways To Manage Post-Festive Debt

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

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importance of a credit score
Credit Rating & Score
Jack

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.

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how to rebuild bad credit
Credit File & Report
Jack

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?

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ways to earn extra cash this summer
Tips
Jack

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?

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are credit repair services legitimate
Credit Repair
Jack

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.

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new year financial goals
Tips
Jack

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

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overspending on credit card
Tips
Jack

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.

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difference between hard and soft credit enquiries
Tips
Jack

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.

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Tips
Diane

Tips to avoid post-festive debt

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.

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

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.

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credit file has been fixed
Credit Repair
Jack

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.

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how personal loans affect your credit score
Credit Rating & Score
Jack

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.

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

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.

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credit repair tips to fix mistakes||credit repair tip to save more||too-much-shopping||||
Credit Repair
Jack

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.

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how mobile phone affects credit score
Credit Rating & Score
Jack

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.

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"Happy Couple Holding House Key After Getting Home Loan."||"Young Happy Lady Securing Finance"||"Enthusiastic Male Looking To Improve Credit Score"||"Confident Older Lady. Looking To Improve Credit Score"||||||
Credit File & Report
Jack

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
Jack

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

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

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.

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"How to improve my credit rating"||"How To Improve Credit Rating And Score"||||"Cost Effective Tips To Fix Credit Rating"||||||
Credit File & Report
Diane

Cost-Effective Tips on How To Fix My Credit

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?

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