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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 to do if you can’t repay your personal loan

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..

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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!

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

"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

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.

||"Difference Between A Good And Bad Credit Score"||"Yound Adult Saving Money. Money Habits."||Adults In Twenties. Having Fun. Saving Money.||||||
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.

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

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?

"Fix Bad Credit"||||
Credit Restoration

How to Fix Bad Credit in Australia

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.

"Creditors Interested In My Credit File"
Credit File & Report

Why are Creditors Interested in My Credit File?

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.

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Credit Rating & Score

Proof of Financial Hardship: Documents Needed

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

Credit Rating & Score

Credit Repair Tips to Help You Develop Personal Money Goals

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?

How to Recover From A Bad Credit Score
Credit Rating & Score

Can You Recover From A Bad Credit Score?

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.

Are there Easy Ways to Fix Credit?
Tips

Are there Easy Ways to Fix Credit?

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.

How To Repair Credit After Bankrupt
Tips

How to Repair Credit after Bankruptcy

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.

How to Deal with Defaults to Boost Credit Score
Tips

How to Deal with Defaults to Boost Credit Score

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.

Remove Judgements from My Credit File
Tips

Remove Judgements from My Credit File

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

How Can I Improve My Credit Rating
Tips

How Can I Improve My Credit Rating

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 Loans
Credit Rating & Score

Why Short Term No Credit Check Loans Are So Popular

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

Prevent destroying credit rating
Tips

Tips To Prevent Destroying a Couple’s Credit Rating

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.

Student Spending Tips
Tips

Student Guide: Money Saving Tips To Improve My Credit File

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.

Credit Score Self Employed
Credit Rating & Score

Benefits of Clean Credit for the Self-Employed

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.

Improve Credit Rating After Judgements
Credit Rating & Score

How To Improve Credit Rating After Judgements

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.

DIY Credit Repair Kit
Credit Restoration

Is There a Thing as DIY Credit Repair That REALLY Works?

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.

poor vs good credit rating
Credit Rating & Score

Positive vs Negative Credit Score

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.

Guide To Positive Credit Rating
Credit Rating & Score

A Guide To Obtain Positive Credit Rating Permanently

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:

Should I Check My Credit Rating Regularly?
Credit Rating & Score

Should I Check My Credit Rating Regularly?

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.

7 Possible Reasons Why Your Credit Rating Might Drop
Credit Rating & Score

7 Possible Reasons Why Your Credit Rating Might Drop

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.

The Impact of Short Term Loans No Credit Check on Our Credit Score
Credit Rating & Score

The Impact of Short Term and No Credit Check Loans on Your Credit Score

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?

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:

Is Debt Management Invaluable When It Comes To Credit Repair?
Credit File & Report

Is Debt Management Invaluable When It Comes To Credit Repair?

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 Card Scam
Credit File & Report

How To Spot A Credit Repair Scam

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.