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Case Studies

James separated from his wife in 2016 and moved out of the family home. His ex-wife neglected payment on the Mortgage and Council rates and ignored the mail, resulting in two Default Judgments being made against the both of them by the bank and local council respectively.

Laura had a payment debt default to a debt collection company that was listed on her credit file in 2009. This default was making things very hard for Laura as the listing had lowered her credit score to 547. 

When Kim came to Clean Credit she had a payment default to a telecommunication company. This past default was listed in 2017 and had lowered her credit score to 493.

Credit Rating and Score

  • What is a Credit Rating?

    A credit rating is a number that charts your credit file history. It is also referred to as a credit score…
  • How Do I Find My Credit Rating?

    You may be wondering, “how do I find my credit rating?” Credit reports and ratings are stored with credit reporting agencies such as Equifax (formerly Veda Advantage) and Dun & Bradstreet. ..
  • How Do I Get a Credit File

    To obtain a copy of your credit file you will need to contact the credit reporting agencies such as Veda Advantage and Dun & Bradstreet…
  • How Does My Credit Rating Affect Me?

    Your credit rating is important. As most credit providers will review your credit file as a part of their application process, the effect of having a poor credit rating is substantial…
  • How to avoid a bad credit rating

    Prevention is always better than a cure. Having a bad credit rating can have large negative impacts on your life, so it is definitely worth the effort to avoid this fate…
  • How to Improve My Credit Rating and Score

    There are many factors and influences that can impact your credit rating. While there are some that cannot be helped, the experts at Clean Credit know many strategies to maximise your credit score…
  • The Benefits of a Good Credit Score

    Having a good credit score is something that every person should strive to achieve. Your credit rating is important in many ways…
  • Who Gives You a Credit Score?

    There are really two answers to this question. While your credit score is determined by the credit report agencies such as Equifax (formerly Veda Advantage)…
  • Who Looks at Your Credit Score?

    In other countries, such as the United States of America, a credit score can be viewed by a number of people and organizations.