We’re here to help you understand bad credit

Our team of credit experts can quickly and comprehensively assess your credit file


        
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Can't get a loan or credit card?

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NO-effect-on-your-credit-fileNO effect on your credit file

Why assess your credit file? 

Gain a better idea of your creditworthiness

Gain a better idea of your creditworthiness

Check if you have any defaults, black marks or court judgments

Check if you have any defaults, black marks or court judgments

Easily manage your personal finances

Easily manage your personal finances

Understand why you may have been declined for credit in the past

Understand why you may have been declined for credit in the past

Avoid loan rejection in the future.

Avoid loan rejection in the future.

How it works

We need to understand what's in your credit file. To do this, we'll conduct a comprehensive credit check. This may include accessing all three credit reports (Equifax, Illion, and Experian).

Step 1: Research

We need to understand what’s in your credit file. To do this, we’ll conduct a comprehensive credit check. This may include accessing all three credit reports (Equifax, Illion, and Experian).
An experienced credit specialist will break down your credit file and inform you of all the necessary information. Our credit specialists have assessed thousands of credit files over the past two decades. We can quickly determine how your file will be viewed in the perspective of a credit provider.

Step 2: Analysis

An experienced credit specialist will break down your credit file and inform you of all the necessary information. Our credit specialists have assessed thousands of credit files over the past two decades. We can quickly determine how your file will be viewed in the perspective of a credit provider.
With a clear assessment of your credit file, you will be able to make more informed credit decisions. If your credit file is squeaky clean, you will be more aware of your borrowing capabilities. If your credit score is impaired, our specialists will help you understand your best options. Our goal is to guide you in the right direction.

Step 3: Advice

With a clear assessment of your credit file, you will be able to make more informed credit decisions. If your credit file is squeaky clean, you will be more aware of your borrowing capabilities. If your credit score is impaired, our specialists will help you understand your best options. Our goal is to guide you in the right direction.
improve your credit score

How comprehensive credit reporting can boost your credit score

Comprehensive credit reporting is the new standard where creditors report repayment history on your credit file

Comprehensive credit reporting is the new standard where creditors report repayment history on your credit file

Good repayment history is now more important than ever. Consistent payments demonstrate good behaviour and can help push your credit score up.

Good repayment history is now more important than ever. Consistent payments demonstrate good behaviour and can help push your credit score up.

Negative repayment history can reduce your credit score down so it is important to stay on top of your payments. Staying in touch with your creditors and letting them know when your circumstances change may help you protect your repayment history,

Negative repayment history can reduce your credit score down so it is important to stay on top of your payments. Staying in touch with your creditors and letting them know when your circumstances change may help you protect your repayment history,

What our clients say

  • “I had no idea that a couple of late bills could mess up my chances of getting a credit card. The team at credit assessment, helped me realise the importance of staying on top of my credit score. I feel so free now”

    Elizabeth

  • A massive thank you to the team at credit assessments. They went through every bit of my credit file and explained to me what everything meant. It turns out that I had a default from a missed phone bill. They even helped me get rid of the default. Thank you!!!”

    Anthony

  • If you are unsure about what’s in your credit file, I highly recommend speaking to credit assessments. My wife and I were hoping to go on holiday to the Maldives. We thought we would apply for a credit card, just to pay for the flights and accommodation. After getting rejected by three different banks, we started to get frustrated. We had no idea why we were getting rejected. That’s when I decided to check my credit score. With little understanding of my credit score, we decided to reach out to the experts. Credit assessment uncovered a default on our file that was incorrectly placed. A few weeks later, we were off to the Maldives.” Legends.

    Oliver

What’s next?

To get started, please fill out our simple enquiry form. One of our staff members will call you for a friendly consultation.

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