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.
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.
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.
Are you looking to get a credit card? You might be asking ‘do credit cards affect your credit score?’ Find out here & move forwards with knowledge.
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!
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!
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!
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?
Do credit inquiries affect your credit score? YES! Read on to find out why, the consequences and what you can do if it’s too late…
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!
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
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.
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.
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
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.
We are often asked if paying an account will lead to the listing being removed from a credit file. This is an interesting question. Read on to find out more on this topic.
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.
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.
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.
Understanding what factors affect your credit score may seem like a mind-boggling task. The truth is that it is actually super easy.
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.
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.
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.
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?
Explore some of the ways in which your credit repair can improve your credit rating.
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.
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.
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
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?
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.
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’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?
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 repair letters represent the best method you can use to repair your credit score.
Having bad credit rating is a sign that your finances are going down the drain and debts are starting to appear.
Payday loans aren’t as popular as the other loans. They are so unpopular that most people don’t know how this type of loan can affect their credit score.
If you think you can fix your credit report in a day and instantly give your credit score a boost-you’re wrong
As you might know by now, the bank rewards you when you spend money using your credit card. That reward usually comes as points you can use for shopping or travelling.
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.
Your credit card balance does not only affect the total amount of money you have to repay your creditor, but your credit score as well.
If you are in a deep debt and your income is not enough to make even the minimum payment, then a debt relief strategy can help.
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?
Why do lenders check credit history? There are items in your credit report that could spell problem when it comes to getting your loans approved.
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.
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.
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?
