Category: Credit Restoration

what is a default judgment in court
Credit Restoration

What Is A Default Judgment In Court?

If you fail to meet the terms of a credit agreement then debt recovery in the form of a default judgment in court may be launched against you. Find solutions…

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.

are credit repair services legitimate
Credit Repair

Are credit repair services legitimate?

Whether we’re down on your luck for a little bit, or got a bit careless with your finances, bad credit isn’t the be-all and end-all. But there are times where you have marks made against your name without being aware you had done anything wrong.

credit file has been fixed
Credit Repair

My Credit File Has Been Fixed. What Now?

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.

"Fix Bad Credit"||||
Credit Restoration

How to Fix Bad Credit in Australia

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.

Financial Hardship
Credit File & Report

Financial Hardship: Eligibility and Conditions

Are you trying to negotiate a repayment arrangement using financial hardship? If so, here are some important things to consider. Financial hardship means you are having difficulty in repaying your loans and debts when they become due because of two main reasons:

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.

Signs that Indicate You Need to Repair Your Credit
Credit Restoration

Signs that Indicate You Need to Repair Your Credit

Is bad credit a common concern for you? Do you suspect that your loan application could be rejected because of that? If you’re uncertain, here are the top signs that show you are in desperate need of credit repair.

How to Fix Your Credit without Spending a Dime
Credit Restoration

How to Fix Your Credit without Spending a Dime

Bad credit is never a good thing to have – especially if you don’t want to pay loads of money to get your credit fixed professionally. You’re already in enough debt as it is, so there is no logic to throw even more fire into the flame.

Signs You Need Help In Repairing Bad Credit
Credit Restoration

Poor credit? Signs You Need Help In Repairing Bad Credit

Did you fail to fix your credit score when you tried repairing bad credit on your own? It’s true that there are free credit repair resource sites out there but if you want to fix your poor credit, credit repair experts can do better.

The Costs of Repairing Your Credit
Credit Restoration

The Costs of Repairing Your Credit

The place where you can get your credit history fixed is called a credit repair agency. They will also be the ones to inform you about all the credit repair costs as each agency charges different fees.

Can You Improve Your Bad Credit?
Credit Restoration

Can You Improve Your Bad Credit?

Bad credit is what happens when you don’t pay your debts and bills on time. It means that you’ll have restrictions when getting new loans or other banking services.

Top Ways to Build Up Your Credit
Credit Restoration

Top Ways to Build Up Your Credit

If creditors keep on denying your loan application because you lack credit then it is time to build it up, even if it means having to start from scratch.

Tips On How To Use Short Term Loans No Credit Check Wisely
Credit Restoration

Tips On How To Use Short Term Loans No Credit Check Wisely

If you are in an emergency situation and you need money fast, short term loans no credit check are available for you. Lenders offer this type of loan to people with poor credit score. Interest rates and loan terms vary depending on the lending institution.

Your Credit Score Continually Changes – Find Out Why
Credit Restoration

Your Credit Score Continually Changes – Find Out Why

As you may already know, the higher the credit score, the better chances you have of getting a loan. Everything above 622 and up to 1200 is considered a good score, so check it once a year and strive to improve it.

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.

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!

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.

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,

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.

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.

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.

Can Credit Repair Companies Really Fix Your Credit?
Credit Restoration

Can Credit Repair Companies Really Fix Your Credit?

In Australia, one in 10 individuals currently struggle with less than perfect credit. Whether it is due to missed payments in the past or taking on too many debt obligations in a short period of time, bad credit can be a challenge to overcome and can make the process of repairing a marked credit file a daunting task.

Don’t turn Christmas cheer into Christmas heartache!
Credit Restoration

Don’t turn Christmas cheer into Christmas heartache!

Christmas can be an expensive time of the year and it’s all too easy to spend more than you planned to. Many people start the New Year with bills they are unable to pay and this reality quickly replaces the joy of Christmas with a feeling of worry and regret.

High Credit Card Debt Means Credit Scores Suffer!
Credit Restoration

High Credit Card Debt Means Credit Scores Suffer!

There are a number of aspects that can negatively affect your credit score, including being late on repayments, having too many enquiries in a short period of time, and carrying too much credit card debt.

Managing Your Credit Cards: Just How Many Is Too Many?
Credit Restoration

Managing Your Credit Cards: Just How Many Is Too Many?

Credit cards have become more of a necessity than a luxury today for many Australians. They can be used for nearly all financial transactions and can help you build your credit rating, which can improve your chances of being approved for loans.

Financial Hardship and Credit Repair
Credit Restoration

Financial Hardship and Credit Repair

There has been significant changes to the laws surrounding financial hardship over the past twelve months. These laws talk about a credit providers legal obligation to assist a client that is experiencing financial difficulties.

The Truth About Credit Repair.
Credit Restoration

The Truth About Credit Repair.

There seems to be a lot of people making claims about the credit repair industry lately. Various government bodies such as the Australian Securities and Investment Commission are looking very closely at credit repair companies and it would seem only a matter of time until the industry becomes regulated.

Effective Credit Repair
Credit Restoration

Effective Credit Repair

Effective credit repair is often all about identifying faults and errors with the process a credit provider followed prior to listing a negative credit listing such as a payment default. The key is understanding the laws around credit reporting and comparing the process a credit provider followed with what they were legally required to do.

Responsible lending and credit repair
Credit Restoration

Responsible Lending And Credit Repair

In many of these cases it is alarming how much unsecured debt some people have and how the payments on these debts often are well in excess of their income. While it is true that people need to be responsible for their own actions, I feel how this debt was originally approved also needs to be considered.

Credit Repair Q & A
Credit Restoration

Credit Repair Q & A

Here are some of the most frequently asked questions regarding credit repair. Q. How does credit repair work? A. In the case of a default