Category: Latest News

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

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 Richings

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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how personal loans affect your credit score
Credit Rating & Score
Jack Richings

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.

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Latest News
Jack Richings

Great Money Habits To Start In Your 20s

Your twenties are notoriously expensive. Most people are living out of home for the first time,trying to find that elusive balance between paying rent, saving for a home and maintaining a colourful social life

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Credit Rating & Score
Diane Challis

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

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How To Easily Build A Good Credit Rating
Latest News
Diane Challis

How To Easily Build A Good Credit Rating

A good credit rating makes it easier for any borrower to qualify for credit with good interest rates. So, if you want to have an affordable home mortgage or an easy-to-pay car loan, a good credit rating can make it possible.

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3 Reasons Why Credit Check Is Important
Latest News
Diane Challis

3 Reasons Why Credit Check Is Important

A credit check is one of the most important steps every responsible borrower can do. You can’t understand why banks and credit card companies are charging you with high interest rates and you can’t negotiate better insurance deals if you don’t know what’s inside your credit report.

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How To Break The Cycle Of Financial Hardship
Latest News
Diane Challis

How To Break The Cycle Of Financial Hardship

Financial stability is a lifestyle and so is financial hardship. When you make sound and well-thought-out financial decisions and exhibit consistent and responsible behavior, you have a good chance of attaining financial stability in your life.

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Best Options for Debt Reduction
Latest News
Diane Challis

Best Options for Debt Reduction

We all have debts every now and then – some more than others. But how do you learn how to reduce your debt while still maintaining a decent lifestyle? How do you reduce your debt while still managing to put food on the table? Well, here are a few ways to reduce your debt.

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4 Subtle Signs You Need Debt Relief
Latest News
Diane Challis

4 Subtle Signs You Need Debt Relief

You don’t need to wait for debt collectors to come pounding at your door to realize you need debt relief.  In fact, it is sometimes necessary to organize your finances.  So how do you know when it’s time to avail of debt relief programs?

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Top Tips on How to Decrease Your Debt
Latest News
Diane Challis

Top Tips on How to Decrease Your Debt

The number of Aussies that are completely debt-free is definitely small. Even though it may appear impossible to live a debt-free existence, that is far from being accurate. So, if you want to find out how to decrease your debt, a plan of action and a strong will is all you need.

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How to Re-Evaluate Your Financial Properties
Latest News
Diane Challis

How to Re-Evaluate Your Financial Properties

Analysing your rental property’s performance plays a significant role in establishing your investment goals. As always, knowledge is power, and this also applies when we’re talking about re-evaluating financial properties.

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Staying on Holiday Budget
Latest News
Diane Challis

Staying on Holiday Budget

Bags are packed, car is fuelled, and you’re ready to hit the holidays if full effect. Your only concern is blowing your holiday budget within the first week.

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Confessions of the Extreme Savers
Latest News
Diane Challis

Confessions of the Extreme Savers

Living in today’s economy isn’t all rainbows and sunshine. Housing prices are typically on the rise, while grocery shopping seems to leave you with a deep hole in your pocket

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The Importance Of Building Relationships In Business
Latest News
Diane Challis

The Importance Of Building Relationships In Business

Every business, no matter its size or field of interest, is based on relationships. Of course, no one denies that quality products and services are an essential factor for a successful company. But, in reality, aren’t these aspects contributing to strong business relationships?

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Small Financial Decisions that Help Your Status
Latest News
Diane Challis

Small Financial Decisions that Help Your Status

Regardless of your financial situation, there are several little things that every person can do to enhance their status. While you may associate this purpose with life-changing decisions, and living on nothing but potatoes daily, that’s not necessarily the case.

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Healthy wallet means healthy financial situation
Latest News
Diane Challis

Healthy wallet means healthy financial situation

What you have in your wallet can likely tell you a lot about how healthy your financial situation is. Credit cards and cash are not likely the only things in your wallet. If you open up your wallet right now and take everything out and divide it into sections then you will probably start to see a pattern.

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Credit Repair - Another Perspective
Credit Restoration
Diane Challis

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 Challis

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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Know all facts on credit cards before signing up
Latest News
Diane Challis

Know all facts on credit cards before signing up

If you have ever used credit cards then you will undoubtedly know that the interest rates they charge on purchases are high, very high in fact. But they have actually been lowered recently. The most recent average rate on low-rate cards has gone from 13.2% to 12.95%.

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Credit Providers Not Helping Their Clients
Latest News
Diane Challis

Credit Providers Not Helping Their Clients

It never fails to surprise me how unreasonable some credit providers can be when a client is experiencing financial hardship. What is very disappointing is how many people end up with negative credit listing such as payment default when they have already told the credit provider they are having financial trouble.

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Financial Hardship and Credit Repair
Credit Restoration
Diane Challis

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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Credit providers charging for production documents
Latest News
Diane Challis

Credit providers charging for production documents.

One of the first steps in helping people to restore their credit ratings is to conduct an investigation into the process the credit provider followed prior to listing the default. There is much a credit provider must comply with before they are legally able to enter a default against someone.

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