Category: Uncategorised

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Credit Rating & Score

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

Credit Rating & Score

Credit Repair Tips to Help You Develop Personal Money Goals

Australia has one of the most booming economies in the world, yet so many Australians have bad credit score. Their rating limits their ability to borrow money, leading to more debts and money problems. In reality, the main culprits of credit problems are weak money management and poor financial planning. The question is—what credit repair tips can help you Fix Your Credit Rating and help you achieve financial satisfaction?

How to Recover From A Bad Credit Score
Credit Rating & Score

Can You Recover From A Bad Credit Score?

Do You have a bad credit score ? You are not alone. Discover how you can recover from a bad credit score. Read on to learn how you can regain financial freedom.

How To Repair Credit After Bankrupt
Tips

How to Repair Credit after Bankruptcy

Bankruptcy is a painful learning experience that reminds us that we messed up with the way we managed debts. But, just like everyone else who stumbled, it is a reminder that we should get back on our feet, shrug off the momentary embarrassment and move forward to a better financial future. Fortunately for you, there are measure which can help in repairing your credit after bankruptcy.

Are there Easy Ways to Fix Credit?
Tips

Are there Easy Ways to Fix Credit?

Many people are looking for easy ways to fix bad credit simply because a bad credit score will disqualify you for almost anything. Luckily, a few debt management techniques and lifestyle changes can help you improve your score.

How to Deal with Defaults to Boost Credit Score
Tips

How to Deal with Defaults to Boost Credit Score

A credit score is a number that represents your repayment habits, credit history, credit mix, and how you manage your debts. In short, there are various factors that credit bureaus consider aside from your outstanding debts and how good you are at paying them on time. A credit score speaks so much about your credit worthiness or your ability to repay your debts.

Remove Judgements from My Credit File
Tips

Remove Judgements from My Credit File

If you have unpaid defaults, it will be marked on your credit file or result in court judgements. Not making minimum payments on your credit card or missing payment schedules for loans without speaking to the company or lender about coming to some payment arrangement for payment could damage your credit score

How Can I Improve My Credit Rating
Tips

How Can I Improve My Credit Rating

If you have taken credit for any reason and you were unable to pay on time, then you’re probably one of the borrowers with less stellar credit rating. And so, you might be asking yourself, “How can I strategise debt management to give my credit rating a boost?”

Short Term Loans
Credit Rating & Score

Why Short Term No Credit Check Loans Are So Popular

Short term no credit check loans are one of the most accessible loans available for people with and credit. It is highly effective in filling up the income gap And addressing common money problems facing people on a day to day basis

Prevent destroying credit rating
Tips

Tips To Prevent Destroying a Couple’s Credit Rating

Are you a financially aware but your spouse hates saving? Conflicting opinions on money are one of the most common reasons of fighting between couples. Here are tips to save money and boost your credit rating without fighting over money.

Student Spending Tips
Tips

Student Guide: Money Saving Tips To Improve My Credit File

There are three major reasons why a person’s credit score goes down. Having too much debt, not paying bills on time and leaving errors on the credit file undisputed. The bottom line is, you’re overcharging your credit accounts and underpaying them. If money is the issue—then, it’s time to do some saving up.

Credit Score Self Employed
Credit Rating & Score

Benefits of Clean Credit for the Self-Employed

Self-employment gives you the ultimate freedom to pursue your passion whenever and wherever you want, and the total control over your earnings without worrying over how to get a bad credit rating removed.

Improve Credit Rating After Judgements
Credit Rating & Score

How To Improve Credit Rating After Judgements

Judgments can stay on your file for a minimum of seven years if you don’t clear credit history. But, it doesn’t mean you cannot re-establish your credit right now to access more low-interest credits.

DIY Credit Repair Kit
Credit Restoration

Is There a Thing as DIY Credit Repair That REALLY Works?

Have you ever wondered if you can repair your own credit score ? Are you actively searching for companies that can help remove your defaults? Whilst some companies offer a 100% guarantee removal, this is not the case.

poor vs good credit rating
Credit Rating & Score

Positive vs Negative Credit Score

A higher score means you will pay on time, but you’ll pay late or never, when your score dips below the average—that’s how lenders see it.  Perhaps you’ve read too many positive vs negative credit rating comparisons already and you understood why it’s so important for lenders. So, this time, we’ll give you fresh ideas on how you can turn your negative rating into a positive one based on your credit rating.

Guide To Positive Credit Rating
Credit Rating & Score

A Guide To Obtain Positive Credit Rating Permanently

It’s not easy to obtain a positive credit rating especially if you already have a bad credit. But messing up one time doesn’t mean that you can no longer correct your wrongs and build a better credit standing. Here are steps that can help you make a lasting change in your credit standing:

Should I Check My Credit Rating Regularly?
Credit Rating & Score

Should I Check My Credit Rating Regularly?

If you’re a constant borrower, you know by now that credit rating or score, however you call it, is crucial. It’s one of the first aspects a lender takes a look at when you apply for a new loan.

7 Possible Reasons Why Your Credit Rating Might Drop
Credit Rating & Score

7 Possible Reasons Why Your Credit Rating Might Drop

It’s less likely somebody doesn’t get the sweats when his credit score is dropping for no apparent reason. Since we’re talking about finances, we must be aware of the fact that nothing ever happens for no good reason.

The Impact of Short Term Loans No Credit Check on Our Credit Score
Credit Rating & Score

The Impact of Short Term and No Credit Check Loans on Your Credit Score

While higher credit scores represent good credit decisions and responsible borrowing, bad credit works the other way around.  For some borrowers, short term loans no credit check is a key ingredient for improving their credit rating, as it helps them pay off their debts on time—while they wait for their finances to get better. But, is it?

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:

Financial Hardship: What You Need To Know
Credit Repair

Financial Hardship: What You Need To Know

Life happens, and sometimes it can take an unexpected turn. You are suffering from financial hardship if you are struggling to make ends meet, and finding it hard to pay your utility bills or to meet your loan repayments because of the following circumstances:

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.

Credit Card Scam
Credit File & Report

How To Spot A Credit Repair Scam

When you are desperate, you are more vulnerable to scams of credit repair and dodgy money lenders whose sole purpose is to take advantage of you. Such a credit repair scam can cost you thousands of dollars, and if the service fooled you once, it will fool you again.

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.

Is Fixing My Credit File Worth It?
Credit File & Report

Is Fixing My Credit File Worth It?

Deciding whether to hire credit repair company or not is not a tough job. But, there are some important factors to consider when making your decision.

How to Get Out of the Debt Cycle
Latest News

How to Get Out of the Debt Cycle

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.

How Much Can a Credit Repair Service Cost You?
Credit Restoration

How Much Can a Credit Repair Service Cost You?

Bad credit is always like a thorn in our backside that prevents us from getting a loan – one that may decide if we live homelessly and in debt or relaxing in a beautiful home.

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.

What Borrowers Need To Know About The Statute of Limitations
Tips

What Borrowers Need To Know About The Statute of Limitations

Debts do expire. After a certain period of time, creditors can no longer recover the money they lent you. While the list of statute of limitations is not a solution to your credit issues, it can protect you from unlawful actions of creditors and unnecessary entries in your credit report.

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.

Find Out Your Credit Rating: Why’s and How’s
Credit File & Report

Find Out Your Credit Rating: Why’s and How’s

There are many reasons why debtors want to find out their credit rating for free. Whether they want to use it for credit application or for employment, one thing is certain- credit rating and the contents of a credit report are vital tools in financial planning.

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.