Clean Credit Blog
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.
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.
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.
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.
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.
Can you differentiate the difference between your credit report and a credit score? In early 1980, knowing the difference had no real effect. In today’s society, this is not the case.
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?
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 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.
There are times when you might not be able to save money – especially when you don’t even know how to do it, or what costs to cut.