Category: Credit Restoration

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

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

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how does credit repair work
Credit Rating & Score
Jack

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.

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are credit repair services legitimate
Credit Repair
Jack

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.

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credit file has been fixed
Credit Repair
Jack

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.

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"Fix Bad Credit"||||
Credit Restoration
Diane

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.

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Financial Hardship
Credit File & Report
Jack

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:

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Is Debt Management Invaluable When It Comes To Credit Repair?
Credit File & Report
Diane

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.

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How to Fix Your Credit without Spending a Dime
Credit Restoration
Diane

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.

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The Costs of Repairing Your Credit
Credit Restoration
Diane

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.

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Can You Improve Your Bad Credit?
Credit Restoration
Diane

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.

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Is Credit Repair Actually Worth It?
Credit Restoration
Diane

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.

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How to Repair Your Credit after Bankruptcy?
Credit Restoration
Diane

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!

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Debt Solutions to Fight the System
Credit Restoration
Diane

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.

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Fake Debt Collectors
Credit Restoration
Diane

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.

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Credit Repair - Another Perspective
Credit Restoration
Diane

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”.

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Making Money Online – 5 Easy Tips
Credit Restoration
Diane

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.

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Personal Loans – Important Facts
Credit Rating & Score
Diane

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.

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Technology Becoming Main Factor in Financial Planning
Credit Restoration
Diane

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.

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Can Credit Repair Companies Really Fix Your Credit?
Credit Restoration
Diane

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.

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

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.

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Financial Hardship and Credit Repair
Credit Restoration
Diane

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.

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The Truth About Credit Repair.
Credit Restoration
Diane

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.

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Effective Credit Repair
Credit Restoration
Diane

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.

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Responsible lending and credit repair
Credit Restoration
Diane

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.

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Credit Repair Q & A
Credit Restoration
Diane

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

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