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.
Sharehouse living has its ups and downs. Whether you love or loathe your housemates, there’s one thing everyone can agree on: being broke isn’t fun.
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..
Understanding what factors affect your credit score may seem like a mind-boggling task. The truth is that it is actually super easy.
Whist it is tempting to blast the heater in summer, your energy bill can quickly creep up on you. Follow these four tips below to cut the cost of keeping cosy this winter.
With house prices lower than they’ve been in almost a decade, many Aussies are hoping to finally enter the property market. Yet prospective buyers often underestimate the impact of their credit score on their ability to buy a home.
Many people take out loans each year. In order to have a loan application approved, you must have a good credit score.
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 is not a piece of cake-but there are things you can do to bounce back from your past credit mistakes.
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.
Comprehensive Credit Reporting (CCR) is restructuring how customer credit information is reported to credit reporting bodies such as Equifax.
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
Are Short Term, No Credit Check Loans A Great Way Of Improving Your Credit Score. How Effective Is Credit Repair In Improving Your Credit Score?
Have you ever thought to yourself, “I would love a Samsung 65 inch 4k HD TV” or “I need hair expansions now!” but you don’t
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.
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
Like many people out there, you might be wondering: “why is it so important for almost every lender?” Also, you might be asking: “how do I get my credit file and how can I use it?”
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.
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?
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.
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.
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
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?
Discover the most practical steps that can help you improve your credit ratings and strengthen you financial portfolio.
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.
Explore some of the ways in which your credit repair can improve your credit rating.
If you want to get a perfect credit score you may need to go out of your way to do so. Discover some of the best ways to quickly raise your credit score.
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.
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.
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.
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
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 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
What is the Statue of Limitations NSW and how can it help you clear your debts? Did you know that the Statute of Limitations NSW erases some of your 6 year old debts?
Is your spending pattern driving your credit score in Australia to its lowest point? Here are some tips to help you save more, spend less and earn more in the process.
Personal loans bad credit can help you get through financial glitches. But, how practical is it?
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.
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.
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.
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.
Are you a full time employee trying to fix bad credit? Here are tips on how to save and spend money not only to improve your credit but to build wealth as well.
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.
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.
“I have a bad credit and I’m working on it. But, just because I’m fixing my bad credit doesn’t mean that I won’t be throwing a huge birthday party for my kids”
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:
The first thing that should concern you is exactly how much you’ll be making on your new job. What kind of lifestyle can you afford if you want to put your credit back on track?
There are many things that can affect my credit rating. The most known factors are unpaid debts, missed payments and multiple denied requests. However, what about pre-approval loans?
If you don’t know what’s in your credit file, you might be in for some trouble the next time you want to apply for a loan or credit card.
If I had a dollar for every time somebody told me “My credit rating is going down and I have no idea why,” I’d be living in my own building, not apartment.
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.
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.
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?
