Repair bad credit before continuing with your loan application.
NO effect on your credit file
Clean Credit – Australia’s trusted credit repair experts.
Do you have defaults or judgments on your credit file? If yes then it’s likely that you are facing the following problems when applying for finance:
- Difficulty gaining loan approval
- Usually have to secure loan against personal assets
- Face much higher interest rates than ‘low risk’ borrowers.
How did I get a bad credit rating?
Ever been late to make a loan repayment or missed a repayment altogether? It is likely that your credit score will have taken a hit.
Your credit score is a numerical value between 0 – 1,000 or 0 – 1,200 depending upon the credit reporting agency. The higher the score, the better your rating. This is the first thing that credit providers will see when assessing a loan application.
However, in some instances, credit providers will place a negative listing against your name on your credit file. They will do this if you have continually missed or made late repayments. These can be in the form of:
- Missed or consistently made late repayments, default stamped on account to alert other lenders that you are ‘high risk’.
- Remain on your file for up to 5 years
- Even if you pay the default off, it doesn’t always leave your file.
- You were not able to repay your credit provider or come to an acceptable agreement without legal action.
- Remain on your file for up to 5 years.
- A generic mark against your name for a history of paying off debts late or insufficiently.
- Remain on your file for up to 7 years.
- Soft enquiries have no impact on your credit and are a way for credit providers to check your credit for pre-approval.
- Hard enquiries are when you apply for credit. A creditor has requested to look at your credit file to determine risk.
- Remain on your credit file for up to 2 years.
- Less weight than defaults and judgments, but inform lenders that you have recently applied. Can be harmful to your credit.
What does Clean Credit do?
Your credit history is ‘history’ for a reason. Everybody deserves a chance to put their past behind them. Credit repair provides this opportunity.
We provide affordable, transparent & effective credit repair. Our goal is to get your credit score back on track to put you back into financial control.
The credit repair process with Clean Credit:
- 1. Get in touch via our online enquiry form or by calling us.
- 2. A credit repair specialist will talk you through your credit file.
- 3. If instructed, we can proceed to repair your credit file.
How do we remove negative listings from your file?
With over 10 years of experience, Clean Credit have established close relationships with credit providers and are fully aware of all relevant legislation. These are the steps:
- 1. Investigate: Information is requested from credit providers, including copies of notices and the file notes. This enables us to investigate whether or not the negative listing has been placed correctly.
- 2. Dispute: We will argue your case on your behalf. Any errors made by the credit provider when listing your default are highlighted. We also communicate your circumstances at the time and escalate the matter to have negative listings reviewed. Even if errors haven’t been made, there are often loopholes within the legislation that we can take advantage of.
- 3. Remove: We deal directly with credit reporting agencies such as Equifax and Illion in order to facilitate the removal or correction of your bad credit rating so you can move on with your life. 95% of our clients will see results within four to six weeks of engaging our services.
Why choose Clean Credit?
We boast a very high removal success rate and are rated 5-stars on Trustpilot with over 80 reviews!
In the unlikely event that we are unable to successfully remove negative listing(s) from your file, you are covered by our “No removal, no removal fee” promise. You will be refunded removal fee(s) for any listings that we are unable to remove.
Speak to Clean Credit today and take control of your finances again. Apply for finance with confidence, on your terms.
