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What Your Credit History Says About You
Credit File & Report

What Your Credit History Says About You

The past is not past when it comes to credit history. Of course, you are not defined by your past but creditors look into it to see if you are credit worthy. So even if you make a resolve to change or you pay off your debt today, that’s not the end of that.

DIY Credit Repair Tips
Credit Restoration

DIY Credit Repair Tips

Bad credit can either stall the process of getting a new loan or make it altogether impossible.

Best Options for Debt Reduction
Latest News

Best Options for Debt Reduction

We all have debts every now and then – some more than others. But how do you learn how to reduce your debt while still maintaining a decent lifestyle? How do you reduce your debt while still managing to put food on the table? Well, here are a few ways to reduce your debt.

4 Subtle Signs You Need Debt Relief
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4 Subtle Signs You Need Debt Relief

You don’t need to wait for debt collectors to come pounding at your door to realize you need debt relief.  In fact, it is sometimes necessary to organize your finances.  So how do you know when it’s time to avail of debt relief programs?

Top Tips on How to Decrease Your Debt
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Top Tips on How to Decrease Your Debt

The number of Aussies that are completely debt-free is definitely small. Even though it may appear impossible to live a debt-free existence, that is far from being accurate. So, if you want to find out how to decrease your debt, a plan of action and a strong will is all you need.

How to Re-Evaluate Your Financial Properties
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How to Re-Evaluate Your Financial Properties

Analysing your rental property’s performance plays a significant role in establishing your investment goals. As always, knowledge is power, and this also applies when we’re talking about re-evaluating financial properties.

Is Credit Repair Actually Worth It?
Credit Restoration

Is Credit Repair Actually Worth It?

Experiencing difficulties in getting a loan is the best indication that you should focus on a credit repair. If your credit file has a bad history, financial institutions will be reluctant to give you a loan. Even if your business and income are doing great, chances are your loan applications will be rejected in case of a bad credit history.

How to Repair Your Credit after Bankruptcy?
Credit Restoration

How to Repair Your Credit after Bankruptcy?

Is it possible to get a loan when dealing with a bad credit history? How can you repair your credit? We’ve gathered a list of suggestions that will help you overcome this problem and improve your credit file!

The Importance of Tracking Your Credit Rating
Credit Rating & Score

The Importance of Tracking Your Credit Rating

Ever wondered why it is important to track your credit rating? Every Australian has a three-digit score, a credit rating that is calculated by credit reporting bodies (CRBs). This reveals data about your financial history gathered from financial institutions and banks from all over the country.

How to Enhance Your Credit Score and Why Is It So Important
Credit Rating & Score

How to Enhance Your Credit Score and Why Is It So Important

Have you ever wondered how to enhance your credit score? Or why you should do it? Many people think that dealing with such issues is a lost battle that won’t ever end, but in fact, there are changes that could make your life easier.

Staying on Holiday Budget
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Staying on Holiday Budget

Bags are packed, car is fuelled, and you’re ready to hit the holidays if full effect. Your only concern is blowing your holiday budget within the first week.

Holiday Money Saving Tips
Credit File & Report

Holiday Money Saving Tips

Don’t let the potential cost of a holiday get away dash your dreams of actually going on holiday. Holiday getaways do not have to break the bank, drain your wallet, or tap into your savings and holiday planning shouldn’t stress you or your loved ones out.

Debt Relief and You
Credit File & Report

Debt Relief and You

If you are feeling overwhelmed with your monthly bills, multiple loans, and you are even ignoring calls from companies you owe money to, it might be time to consider looking at debt relief.

How often should you get a credit rating check
Credit Rating & Score

How Often Should You Get A Credit Rating Check?

Do you know your own credit rating? Do you know that your credit rating is flexible and changes as your debt accumulates or as your debt reduces? Do you know your credit rating can affect potential loans like home loans, personal loans, or even a loan for that sweet ride you’ve been eyeballing?

Your Partner’s Credit Rating Can Affect You
Credit Rating & Score

Your Partners Credit Rating Can Effect You

Picture this: Just like most Aussies out there, a Sydneysider was looking forward to the idea of getting married, and purchasing her dream home with her fiancé.

Paying off HECS debt
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School of Hard Knocks (Paying off Lagging HECS & OS Help Loan Debt)

Australia’s rising student loan debt once again making life difficult for our young professionals. Graduating the school of hard knocks comes at a cost, the trick is to roll with the punches to get out from under the weight of accumulated University debt sooner rather than later.

Confessions of the Extreme Savers
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Confessions of the Extreme Savers

Living in today’s economy isn’t all rainbows and sunshine. Housing prices are typically on the rise, while grocery shopping seems to leave you with a deep hole in your pocket

Saving for anything is always something you should plan ahead for
Credit File & Report

Saving for a Home Loan Deposit

Saving for anything is always something you should plan ahead for, especially if you are saving for a home loan deposit.

||Failing to Repay Debts||
Credit Rating & Score

Failing to Repay Debts

Debts can be stressful. No one wants to be stuck in a position where repayments become a problem.

Risky Direct Debit – How to Avoid It
Credit Rating & Score

Risky Direct Debit – How to Avoid It

Nowadays, more and more Australians prefer automated payments, so that direct debit is becoming very popular. Even though they are not new, the risks of this type of debit have increased during recent years.

The Importance Of Building Relationships In Business
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The Importance Of Building Relationships In Business

Every business, no matter its size or field of interest, is based on relationships. Of course, no one denies that quality products and services are an essential factor for a successful company. But, in reality, aren’t these aspects contributing to strong business relationships?

Retire in Asia and Spend Little on Expenses
Credit Restoration

Retire in Asia and Spend Little on Expenses

Where is the best place to retire? In Australia, the cost of living becomes more and more expensive as years go by. Studies show that in 3 decades, the number of retirees is expected to grow three times.

Debt Solutions to Fight the System
Credit Restoration

Debt Solutions to Fight the System

When you’re riddled with debt, it can seem like you are never going to get out of this position. It’s a vicious circle, and no matter what you do to escape it, something is keeping you down.

Small Financial Decisions that Help Your Status
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Small Financial Decisions that Help Your Status

Regardless of your financial situation, there are several little things that every person can do to enhance their status. While you may associate this purpose with life-changing decisions, and living on nothing but potatoes daily, that’s not necessarily the case.

Amending Credit Rating for Future Finances
Credit Rating & Score

Amending Credit Rating for Future Finances

In case your crediting rating is not in the best shape, there are certain methods that you can do to be able to fix it. Why is there a need to amend your credit rating? When you are young, you spend without giving it a second thought.

Credit Cards Can Benefit Credit Rating
Credit File & Report

Credit Cards Can Benefit Credit Rating

Credit cards provide convenience particularly if you have an important purchase that you need to make right away and cash on hand is not available.

Avoiding Bad Credit History Reports
Credit Rating & Score

Avoiding Bad Credit History Reports

Having a bad credit history can affect your future loan applications. If you have any intentions or plans to get a loan in the future, you might have a hard time convincing banks or any other private lenders to approve your loan.

Latest News

Maximum Tax Deductions for Property Investors

A wide range of property investors fails to comprehend the large amounts of money they are entitled to claim back from the taxman, by considering depreciation of household goods, as well as building prices.

Ways to Save Money for Retirees
Credit File & Report

Ways to Save Money for Retirees

There are a number of ways to save money designed just for retirees. As you go online, you will find surefire ways to save money,

The online investment game
Credit Rating & Score

The Online Investment Game

What type of investment suits you best? Are you in search of an investment that you can easily access with your fingertips?

Fake Debt Collectors
Credit Restoration

Beware of Fake Debt Collectors

While it’s never pleasant to be called by any creditor regarding debt, it’s especially nasty to receive calls from companies or individuals claiming to be debt collectors.

Healthy wallet means healthy financial situation
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Healthy wallet means healthy financial situation

What you have in your wallet can likely tell you a lot about how healthy your financial situation is. Credit cards and cash are not likely the only things in your wallet. If you open up your wallet right now and take everything out and divide it into sections then you will probably start to see a pattern.

Credit Repair - Another Perspective
Credit Restoration

Credit Repair – Another Perspective

I recently read an article about how the Australian Retail Credit Association (ARCA) had launched a fact sheet on how people could repair their own credit files if they felt an incorrect or contestable listing has been made against them. As the director of a credit repair company, the only thought I had while reading this information was “if only it was that simple”.

Making Money Online – 5 Easy Tips
Credit Restoration

Making Money Online – 5 Easy Tips

The internet is such an important part of everyday life nowadays. People spend countless hours a day on the web and that might not even include the time they are on a computer at work.

Personal Loans – Important Facts
Credit Rating & Score

Personal Loans – Important Facts

Personal loans are designed to provide financing services to those who need immediate cash. People have different needs; purchasing a second car for some may be a form of luxury but for others it is a necessity.

Stop Paying Annual Fee - Compare Credit Cards
Credit File & Report

Stop Paying Annual Fee – Compare Credit Cards

Credit cards often charge an annual fee which can range from $15 to $500 depending on what type of card you are using. Credit card holders are encouraged to compare credit cards before they apply for any new cards.

Technology Becoming Main Factor in Financial Planning
Credit Restoration

Technology Becoming Main Factor in Financial Planning

Most people probably believe that financial advisers use the latest in cutting edge technology to show the most up-to-date information that they have at hand. In fact, technological devices such as tablets are only now becoming common place in a financial adviser’s office.

Free Credit Score – Will it be a security risk?
Credit Rating & Score

Free Credit Score – Will it be a security risk?

There are many ways to check your credit score. Most people only ever get around to having a credit check whenever they are considering taking out a mortgage to buy a home or to get a loan on a new car.

Improve your Credit Score with Debt Consolidation
Credit Rating & Score

Improve your Credit Score with Debt Consolidation

Debt consolidation is one way to manage or organize your debts which probably includes credit card debt, car loan, home loan, educational loan, personal loan and other types of loans that you have engaged in.

High Credit Card Debt due to High Rates
Credit File & Report

High Credit Card Debt due to High Rates

If you have a credit card then you probably know that the interest rates are incredibly high. You might have gotten a credit card or two for those “just-in-case” purchases but if you have ever missed a payment then you know why credit card companies are so rich.

How to Clear my Debt as Soon as Possible
Credit File & Report

How to Clear my Debt as Soon as Possible

I often say this to myself, “I want to clear my debt” but I noticed that I find myself borrowing again just to be able to pay my existing loans. I’ve been thinking about how I can clear my debt as soon as possible.

Budgeting Tips for Social Outings
Credit Rating & Score

Budgeting Tips for Social Outings

Going out often can drain your wallet. If you are trying to save up for a down payment on a home, pay off mounting debt or just so you can put more cash in to your savings account, it can be a daily struggle. Being a social person can cost a lot

Regular Credit Report Checks – Prevent Identity Theft
Credit File & Report

Regular Credit Report Checks – Prevent Identity Theft

Identity theft is a big problem for Australia. It is estimated that one in five Australians have had their information stolen at least once. Criminals have various ways of stealing your personal information. They can implement low and high tech ways of collecting your data.

Fancy Mortgage Deals – Research before Agreement
Credit File & Report

Fancy Mortgage Deals – Research before Agreement

Today mortgage providers are now offering some incredible tempting deals. Many Australians are now being lured by these unbelievable offers prompting many experts to warn them not to be dazzled by such upfront mortgage deals