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Can You Improve Your Bad Credit?
Credit Restoration

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.

What Makes Your Credit Score Drop?
Latest News

What Makes Your Credit Score Drop?

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

The Benefits of Having a Clean Credit Report
Credit File & Report

The Benefits of Having a Clean Credit Report

In spite of what some would say, you should quickly try cleaning up your credit report as fast as it has been stained. The greatest downside of having a low credit score (subsequently a bad credit report) is that it can make it impossible for you to get a loan, regardless of the type.

How to Increase Your Credit Score in 3 Easy Steps
Credit Rating & Score

How to Increase Your Credit Score in 3 Easy Steps

Are you feeling down about your credit score in Australia? It is easy to get worried when you receive a low rating, but you can’t let a poor credit score get you down. There are always ways to improve your credit score as there are reasons to improve.

Bad credit if you are renting
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How to Deal With Bad Credit if You Are Renting

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?

Extreme Ways to Raise Your Credit
Tips

Extreme Ways to Raise Your Credit

If you just had a poor credit because of foreclosure and you got horrible collection notices on your doorstep, don’t worry. There are still some drastic measures you can do to give your credit score its much needed bump.

Fix Your Credit with Your Own Money in a Secured Loan
Tips

Fix Your Credit with Your Own Money in a Secured Loan

You may have heard it all the time, “If you want to build your credit, get a secured card”. If you have zero credit or you want to build a damaged one, secured card is a fantastic way building a good financial history. There is also a 100% chance of approval because a secured card is safeguarded by a deposit which also works as your credit limit.

When NOT to Opt for a Balance Transfer
Tips

When NOT to Opt for a Balance Transfer

Can you always save money on credit card interest with a balance transfer? The answer is, “No”. Sometimes, it’s better not to move your balance because doing so can put you in worse financial condition.

Top Ways to Build Up Your Credit
Credit Restoration

Top Ways to Build Up Your Credit

If creditors keep on denying your loan application because you lack credit then it is time to build it up, even if it means having to start from scratch.

How To Easily Build A Good Credit Rating
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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.

3 Reasons Why Credit Check Is Important
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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.

How To Break The Cycle Of Financial Hardship
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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.

Tips On How To Use Short Term Loans No Credit Check Wisely
Credit Restoration

Tips On How To Use Short Term Loans No Credit Check Wisely

If you are in an emergency situation and you need money fast, short term loans no credit check are available for you. Lenders offer this type of loan to people with poor credit score. Interest rates and loan terms vary depending on the lending institution.

Factors that Affect Your Credit Rating
Credit Rating & Score

Factors that Affect Your Credit Rating

How do you restructure your finances, and end up with the best credit rating you can? Or, how can you improve your credit rating, if you are having difficulty with your finances now?

How To Build Credit Using No Credit Check Loans
Tips

How To Build Credit Using No Credit Check Loans

When it comes to building your credit, you want to put your best foot forward. That means giving up your old habits and exchanging them into something that would put more money in your pocket. But, just like everything else, these goals are easier said than done.

Top Ways to Simplify Your Financial Life
Tips

Top Ways to Simplify Your Financial Life

Everyone likes to have a sense of security, but if you do not know how to simplify your financial life, then you might find yourself at a standstill. Having debt on top of more debt simply because you didn’t know how to spend your money isn’t an excuse.

What is Bad Credit?
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What is Bad Credit?

Are you really keeping up with your payment agreements? Read these 5 secret signs of a bad credit to know the truth.

Your Credit Score Continually Changes – Find Out Why
Credit Restoration

Your Credit Score Continually Changes – Find Out Why

As you may already know, the higher the credit score, the better chances you have of getting a loan. Everything above 622 and up to 1200 is considered a good score, so check it once a year and strive to improve it.

What Your Credit History Says About You
Credit File & Report

What Your Credit History Says About You

The past is not past when it comes to credit history. Of course, you are not defined by your past but creditors look into it to see if you are credit worthy. So even if you make a resolve to change or you pay off your debt today, that’s not the end of that.

DIY Credit Repair Tips
Credit Restoration

DIY Credit Repair Tips

Bad credit can either stall the process of getting a new loan or make it altogether impossible.

Best Options for Debt Reduction
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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.

4 Subtle Signs You Need Debt Relief
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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?

Top Tips on How to Decrease Your Debt
Latest News

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.

How to Re-Evaluate Your Financial Properties
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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.

Is Credit Repair Actually Worth It?
Credit Restoration

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.

How to Repair Your Credit after Bankruptcy?
Credit Restoration

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!

The Importance of Tracking Your Credit Rating
Credit Rating & Score

The Importance of Tracking Your Credit Rating

Ever wondered why it is important to track your credit rating? Every Australian has a three-digit score, a credit rating that is calculated by credit reporting bodies (CRBs). This reveals data about your financial history gathered from financial institutions and banks from all over the country.

How to Enhance Your Credit Score and Why Is It So Important
Credit Rating & Score

How to Enhance Your Credit Score and Why Is It So Important

Have you ever wondered how to enhance your credit score? Or why you should do it? Many people think that dealing with such issues is a lost battle that won’t ever end, but in fact, there are changes that could make your life easier.

Staying on Holiday Budget
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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.

Holiday Money Saving Tips
Credit File & Report

Holiday Money Saving Tips

Don’t let the potential cost of a holiday get away dash your dreams of actually going on holiday. Holiday getaways do not have to break the bank, drain your wallet, or tap into your savings and holiday planning shouldn’t stress you or your loved ones out.

Debt Relief and You
Credit File & Report

Debt Relief and You

If you are feeling overwhelmed with your monthly bills, multiple loans, and you are even ignoring calls from companies you owe money to, it might be time to consider looking at debt relief.

How often should you get a credit rating check
Credit Rating & Score

How Often Should You Get A Credit Rating Check?

Do you know your own credit rating? Do you know that your credit rating is flexible and changes as your debt accumulates or as your debt reduces? Do you know your credit rating can affect potential loans like home loans, personal loans, or even a loan for that sweet ride you’ve been eyeballing?

Your Partner’s Credit Rating Can Affect You
Credit Rating & Score

Your Partners Credit Rating Can Effect You

Picture this: Just like most Aussies out there, a Sydneysider was looking forward to the idea of getting married, and purchasing her dream home with her fiancé.

Paying off HECS debt
Latest News

School of Hard Knocks (Paying off Lagging HECS & OS Help Loan Debt)

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.

Confessions of the Extreme Savers
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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

Saving for anything is always something you should plan ahead for
Credit File & Report

Saving for a Home Loan Deposit

Saving for anything is always something you should plan ahead for, especially if you are saving for a home loan deposit.