Clean Credit Blog
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.
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.
It is commonly believed that defaults could significantly ruin your credit score and it would take seven years for you to fix bad credit. Instead of feeling over the hill, I encourage you to read on and discover inspiring ways to start over financially.
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?