Category: Credit Rating & Score

Credit Rating & Score

What Affects Your Credit Score?

Being held back by your bad credit score? Learn what affects your credit score and how you can use it to your advantage. Find the answers here.

how often does your credit score change
Credit Rating & Score

How Often Does Your Credit Score Change?

Your credit score can be very fragile. The slightest mistake and your score could plummet. But how often does your credit score change? Find out here.

How do no credit check loans work
Credit File & Report

How Do No Credit Check Loans Work?

Got bad credit but need a loan? There’s a solution in the form of no credit check loans. Keep your credit hidden. How do no credit check loans work? Learn here!

what is a good credit score
Credit Rating & Score

What Is A Good Credit Score?

Ranging from poor to excellent, your credit score is the difference between getting a loan and being rejected. Learn what is a good credit score here!

tips to improve credit score
Credit Rating & Score

5 Tips to Improve Credit Score

Read these 5 simple tips to improve credit score. It’s faster & easier than you might think to get back on track & take control of your finances. Find out here!

what is a credit check
Credit File & Report

What Is A Credit Check?

If you’ve taken out a mobile phone contract or applied for finance before then it’s likely that you’re familiar with this term. But what is a credit check?

how to check your credit score
Credit File & Report

How To Check Your Credit Score

Find out how to check your credit score here. It’s fast & easy and being aware of it puts you in the drivers seat when applying for finance!

Credit Rating & Score

Does Afterpay Affect Your Credit Rating?

The introduction of shop now, pay later technology has been revolutionary in how many retailers offer payment for their products and services. It has been

the credit repair steps follow the journey
Credit File & Report

The Credit Repair Steps – Follow The Journey

Follow the journey of a client who needed a loan, but had a bad credit rating. The steps towards credit repair are easier than you might think. Here, we tell the story of what steps to take if you find yourself with a bad credit history.

Does Checking My Own Credit Score Hurt It?
Credit File & Report

Do Credit Inquiries Damage Your Credit Score?

If you’re wondering whether or not credit inquiries can lower your credit score, the answer is ‘it depends’. While a soft inquiry will not affect your credit rating, hard inquiries can. Here’s why.

does buy now pay later affect credit score?
Credit Rating & Score

CommBank & Klarna: Shop-now-pay-later can affect your credit score

Online shopping has taken over in the past decade as more and more people escape onto the internet for their everyday shopping needs. You can have everything delivered to you at the click of a button, from the comfort of your couch. This is even easier now that Commonwealth Bank has partnered up with Klarna. But does Shop Now Pay Later Affect your Credit Score? It makes shopping more exciting but comes with risk

how does credit repair work
Credit Rating & Score

Credit Repair – How Does it Work in Australia?

Credit repair is a term used to describe the process of improving an individual’s credit report. This can be achieved through the removal or adjustment of incorrect negative credit listings from a person’s credit file. Credit repair is a possibility in Australia, but first, it’s important to understand what could have damaged your rating in the first place.

importance of a credit score
Credit Rating & Score

Why Is My Credit Rating Important to a Lender?

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.

what happens if you default on your credit
Credit Rating & Score

What Happens If You Default On Your Credit Card?

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.

how does your partners credit score affect you
Credit Rating & Score

How Does Your Partners Credit Score Affect You?

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?

how personal loans affect your credit score
Credit Rating & Score

How Personal Loans Affect Your Credit Score

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.

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.

"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.

||"Someone struggling with finance"||
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.

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

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.

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?

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.

How to Increase Your Credit Score in 3 Easy Steps
Credit Rating & Score

How to Increase Your Credit Score in 3 Easy Steps

Are you feeling down about your credit score in Australia? It is easy to get worried when you receive a low rating, but you can’t let a poor credit score get you down. There are always ways to improve your credit score as there are reasons to improve.

Factors that Affect Your Credit Rating
Credit Rating & Score

Factors that Affect Your Credit Rating

How do you restructure your finances, and end up with the best credit rating you can? Or, how can you improve your credit rating, if you are having difficulty with your finances now?

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.

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?