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What is cosmetic dentistry?
Looking to improve your smile? Got cracked, crooked, missing or discoloured teeth? From veneers to Invisalign, learn what is cosmetic dentistry here.
Looking to improve your smile? Got cracked, crooked, missing or discoloured teeth? From veneers to Invisalign, learn what is cosmetic dentistry here.
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…
Unpaid business invoices have to be recovered within a certain time period. Don’t risk forfeiting the payment altogether. Learn how it works in Australia…
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…
There are so many different reasons you might be looking to take out a loan. Whether it is for a luxury expense, such as an
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!
We reveal whether credit repair companies really work & discuss the good vs the bad. Are they worth the time & money? Find out here!
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
Introduced in 2018, positive credit reporting gives lenders more information about your credit history. We explain what comprehensive credit reporting is and how it affects you here,
Grocery shopping is an expense that we all face, but it doesn’t have to break the bank. Here are 11 top tips to break free & save money on groceries.
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.
We all want to save money so that we can plan a better future for ourselves. We have various goals such as traveling, buying a car, purchasing our dream home – but when we have a relatively low income, this might seem impossible.
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.
Finding yourself in a position of bad credit can be extremely stressful. Discover how the credit repair process can help you to be approved loans again.
Having a low credit score may be affecting your ability to get loans or credit you apply for. If you’re worried about how expensive it
Having a payment default on your credit report can greatly affect your next loan application. Every credit card holder should be aware of the negative effects of having credit default.
It’s easy to lose control of your finances, but don’t let it affect your credit score. Late/missing repayments can leave you in a sticky situation when it comes to borrowing money. Find out how to avoid getting a default on your credit file.
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!
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.
Are you always maxing out your credit card? Do you let your bills pile up? It can be easy to do but unfortunately this activity can have a detrimental effect on your credit report. A poor credit rating might not seem like a big deal, but lenders will view any negative listings on your credit report as a red flag.
If you have a bad credit, you already know that you need to work with the most trustworthy credit repair company you can find.
The holiday season is an expensive time of year. Many Aussies resort to credit to get by, but this often results in a lingering debt hangover. A recent study by Finder revealed that 37% of Aussies will still be repaying their Christmas debt in 2020. Carrying a high amount of debt can damage your credit score
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.
Are you wondering why you may have a bad credit rating even after keeping your credit card balances low or staying below your credit cards spending limits?
With Christmas on the horizon, there is much “talk” of the tendency of many people to go into debt for the holiday. Obviously, overspending is a serious concern, especially as it can lead to bad credit. But what if you already have bad credit? How do you rebuild a bad credit score? Is there such a thing?
The end of the year is always a busy time and it’s no secret that the holidays can leave us feeling a little strapped for cash. These Summer holidays, why not pick up a side hustle and see if you can bring in some extra money to help you make those ends meet?
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.
With only a few weeks until the start of 2020, now is probably a good time for you to decide upon one or more New Year financial goals that you feel is/are realistic and perfectly achievable. Whether you are in a strong place financially or are struggling, it would be great to put in place at least one such goal that you can maintain
Stepping up into the world of credit cards is an exciting milestone that we often aren’t prepared for. It’s also a big adjustment. While most of us have an idea of how the credit card works before we dive in, it can be all too easy to get carried away or step back from responsible spending.
Before you go ahead and take out a loan – whatever type it may be – it is important to shop around and make sure you are getting the best deal. Once you decide to apply for a credit product, whether that is a credit card, a loan, or a utilities application, then a credit enquiry is recorded on your file.
Christmas is notoriously expensive, and costs can start piling between end of year celebrations and Christmas shopping. Those without enough cash saved will often resort to credit to tide them over. But this can result in a post-festive debt hangover that lingers well into the new year.
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.
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.
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.
What is a default and can it improve my credit score? How do you get a default? Will I be able to apply for a loan? A default can drag your credit score down and drag your hopes of securing credit. We’ll break it all down so that you do not have to fear your credit file.
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.
Sharehouse living has its ups and downs. Whether you love or loathe your housemates, there’s one thing everyone can agree on: being broke isn’t fun.
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..
Understanding what factors affect your credit score may seem like a mind-boggling task. The truth is that it is actually super easy.
Whist it is tempting to blast the heater in summer, your energy bill can quickly creep up on you. Follow these four tips below to cut the cost of keeping cosy this winter.
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.
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!
Credit repair is not a piece of cake-but there are things you can do to bounce back from your past credit mistakes.
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.
One of the most common questions we are asked is “Can Clean Credit remove my court judgement from my credit file?” The answer to this question can undoubtedly make all the difference to your business
Comprehensive Credit Reporting (CCR) is restructuring how customer credit information is reported to credit reporting bodies such as Equifax.
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
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
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.
If you want to avoid a bad credit listing, make sure that you are paying your utility bills, credit card balance, mortgage, personal loans and other types of debts on time. It is a bit challenging to do so-especially if you have limited income, so we put together practical and simple tips to avoid negative entries in your credit file.
Like many people out there, you might be wondering: “why is it so important for almost every lender?” Also, you might be asking: “how do I get my credit file and how can I use it?”
You may have read tons of articles about “tips on how to fix my credit”, but they often involve paying down your debts. What if you are financially hard up today, but you want your credit score fixed so you can get a better loan, job or perhaps a nicer apartment than what you could get with your current credit score?
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.
