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How Does Buy Now Pay Later Affect Your Credit Score?
The BNPL boom has made shopping so easy and exciting, but does buy now pay later affect your credit score? Find out here and keep on top of your finances!
The BNPL boom has made shopping so easy and exciting, but does buy now pay later affect your credit score? Find out here and keep on top of your finances!
Looking to spoil your Mum without denting the bank account? We’ve broken down the top 11 Mother’s Day gifts on a budget so you can find some inspo & also save!
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
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 all know the importance of maintaining a good credit score, but sticking to it can be a different story. Sometimes you need some help with credit repair, which can seem daunting, but don’t forget- you’re not alone!
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.
There are times when you might not be able to save money – especially when you don’t even know how to do it, or what costs to cut.
No one plans to fall behind on their personal loan repayments, but sometimes life can get in the way. You might have to fork out for urgent dental work, or maybe you received a speeding fine in the mail..
Many people take out loans each year. In order to have a loan application approved, you must have a good credit score.
After years of working hard at your nine-to-five, a pay rise can seem like the perfect excuse to treat yourself. Of course you need a lavish holiday to Hawaii. And those nice leather boots — you’ve earned them!
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
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
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.
Understand the benefits of debt consolidation loans for bad credit and how you can make it work to improve your credit score.
Debt is, most of the time, a double-edged sword.If you want to know how to get out of debt, you have to know precisely how you got there.
Before 2014, a person’s credit file only obtained information about credit enquiries and the amounts applied, and no information about whether the loan was approved or not
How do you qualify for your dream rental when you have a less-than-stellar credit history? How do you rebuild your score to get a better rate and reduce the risk of being turned down by landlords?
If you want to get the lowest interest in credit cards and get on top of every lender’s priority customers’ list, you need more than a second-rate credit standing.
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.
If you’re torn between hiring a credit repair company and doing it yourself, there are some things that you need to know.
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.
Whether you’re in Australia or US, credit reporting sourced from credit bureaus serves one purpose—to represent the creditworthiness of the account holder.
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.
If you have no credit history it that doesn’t mean you cannot get an unsecured loan. While it easier for borrowers with good credit rating
A credit file is an important piece of evidence of your creditworthiness.
Are you sinking in debt and you want to get of it through debt consolidation from bad credit? debt consolidation is one of the best ways out of a financial crisis, but there are some mistakes you can avoid to get the most out of this financial plan.
The debt epidemic is so dire, with 70.19% of Australian adults owning a credit card and a national debt with roughly $32.5 interest. But, debt is
Lenders usually check your credit to know your creditworthiness. That’s why borrowers opt for “no-credit-check personal loans” when traditional lenders turn them down.
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.
Choosing no credit check car loans requires a great deal of thought, and you have to ensure that you are ready to take on the financial responsibility of a loan.
If you’re looking for a way to pay down your debts, cover the cost of hospitalization or a car repair, a personal loan for bad credit can be your lifesaver.
Are you really keeping up with your payment agreements? Read these 5 secret signs of a bad credit to know the truth.
How do you protect yourself from identity theft? These tips can help.
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.
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?
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.
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.
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.
The smartest place to move when you have bad credit is forward. So what is the modern day definition of ‘bad credit’?
Australia’s rising student loan debt once again making life difficult for our young professionals. Graduating the school of hard knocks comes at a cost, the trick is to roll with the punches to get out from under the weight of accumulated University debt sooner rather than later.
Do you consider claiming your phone and Internet bills? If yes, then you better make a deductions list and then check it carefully, because someone will be watching you.
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
As you are trying to reduce the costs and maintain a balance between your income and how much you spend, you may find refund policies extremely useful. Why?
Debts can be stressful. No one wants to be stuck in a position where repayments become a problem.
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?
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.
A wide range of property investors fails to comprehend the large amounts of money they are entitled to claim back from the taxman, by considering depreciation of household goods, as well as building prices.
What type of investment suits you best? Are you in search of an investment that you can easily access with your fingertips?
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.
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”.
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.
A recent study has shown that residents living in inner Sydney and inner Melbourne have some of the worst credit ratings in Australia.
Today mortgage providers are now offering some incredible tempting deals. Many Australians are now being lured by these unbelievable offers prompting many experts to warn them not to be dazzled by such upfront mortgage deals
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%.
There is no doubt the credit repair industry is well overdue for reform.
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.
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.
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.
Clean Credit was recently featured on Channel 7’s Today Tonight; the topic was some of the proposed changes to credit reporting laws.Since this story went
