Now is the time to get your finances in shape, and your credit rating looking as good as it can, should you need to apply for credit. Our specialist team is ready to help improve credit rating today.
There are many factors and influences that can impact credit rating. While there are some that cannot be helped, the experts at Clean Credit know many strategies to maximise your credit score.
If the problem is a large number of credit enquiries being recorded on your credit file, the only real cure is time. An enquiry will be recorded for five years, however the relevance of the enquiry from a credit provider’s point of view will diminish over time. In other words, listings made 12 months ago would be seen as less relevant as ones made more recently.
If you find yourself not being able to secure finance due to a high volume of credit enquiries, the only thing that you can really do is stop making applications and wait for a period of time for the listings to become historic.
Negative listings such as defaults and judgements are a completely different story. Such listings are almost certainly going to cause real problems when trying to secure finance and will have catastrophic effects on a credit score. In today’s tight credit market, even a small negative listing such as a missed payment to your phone carrier is enough to stop you in your tracks. Fortunately, there are solutions out there. Clean Credit can improve credit rating so you can take financial control again.
If you find yourself with a negative listing on your credit file, it is best to remove it as soon as possible. However, this is often easier said than done. This is where Clean Credit can help.
There is a great amount of legislation (covered under the Privacy (Credit Reporting) Code 2014 (Version 2.1), as well as the National Consumer Credit Protection Act 2009 which is administered by the Australian Securities and Investment Commission (ASIC).
These are in place to protect the consumer in the area of credit reporting. When a credit provider enters a negative listing, such as a default or judgment, they must follow a very strict process in order make the listing legally binding. The truth is that in many cases this process is not followed and as a result the listing can be removed from a credit file.
The process of removing negative listings from a credit file can be complicated. Fortunately, at Clean Credit we are experienced in this area. We know the processes and legislation to help their clients improve credit rating. We also have a strong network of contacts, allowing higher success rate and quicker results.
Testimonials are 100% genuine, however the images of the clients are models for confidentiality and illustrative purposes.