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what is bad credit
Bad Credit

What Is Bad Credit?

Wondering what is bad credit and how it affects you? Bad credit is a bigger deal than you might think. Learn everything you need to know here…

||Starting Over After Defaults||
Credit File & Report

How To Avoid Getting A Default

It’s easy to lose control of your finances, but don’t let it affect your credit score. Late/missing repayments can leave you in a sticky situation when it comes to borrowing money. Find out how to avoid getting a default on your credit file.

||the side effects of having bad credit||
Tips

The Side Effects Of Having Bad Credit

Are you always maxing out your credit card? Do you let your bills pile up? It can be easy to do but unfortunately this activity can have a detrimental effect on your credit report. A poor credit rating might not seem like a big deal, but lenders will view any negative listings on your credit report as a red flag.

how to rebuild bad credit
Credit File & Report

How do you rebuild bad credit?

With Christmas on the horizon, there is much “talk” of the tendency of many people to go into debt for the holiday. Obviously, overspending is a serious concern, especially as it can lead to bad credit. But what if you already have bad credit? How do you rebuild a bad credit score? Is there such a thing?

Student Spending Tips
Tips

Student Guide: Money Saving Tips To Improve My Credit File

There are three major reasons why a person’s credit score goes down. Having too much debt, not paying bills on time and leaving errors on the credit file undisputed. The bottom line is, you’re overcharging your credit accounts and underpaying them. If money is the issue—then, it’s time to do some saving up.

What is Bad Credit?
Latest News

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 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.

Small Financial Decisions that Help Your Status
Latest News

Small Financial Decisions that Help Your Status

Regardless of your financial situation, there are several little things that every person can do to enhance their status. While you may associate this purpose with life-changing decisions, and living on nothing but potatoes daily, that’s not necessarily the case.

Amending Credit Rating for Future Finances
Credit Rating & Score

Amending Credit Rating for Future Finances

In case your crediting rating is not in the best shape, there are certain methods that you can do to be able to fix it. Why is there a need to amend your credit rating? When you are young, you spend without giving it a second thought.

Avoiding Bad Credit History Reports
Credit Rating & Score

Avoiding Bad Credit History Reports

Having a bad credit history can affect your future loan applications. If you have any intentions or plans to get a loan in the future, you might have a hard time convincing banks or any other private lenders to approve your loan.

High Credit Card Debt due to High Rates
Credit File & Report

High Credit Card Debt due to High Rates

If you have a credit card then you probably know that the interest rates are incredibly high. You might have gotten a credit card or two for those “just-in-case” purchases but if you have ever missed a payment then you know why credit card companies are so rich.

Budgeting Tips for Social Outings
Credit Rating & Score

Budgeting Tips for Social Outings

Going out often can drain your wallet. If you are trying to save up for a down payment on a home, pay off mounting debt or just so you can put more cash in to your savings account, it can be a daily struggle. Being a social person can cost a lot

Fancy Mortgage Deals – Research before Agreement
Credit File & Report

Fancy Mortgage Deals – Research before Agreement

Today mortgage providers are now offering some incredible tempting deals. Many Australians are now being lured by these unbelievable offers prompting many experts to warn them not to be dazzled by such upfront mortgage deals

Avoiding Bad Credit – Lessons for the Younger Generation
Credit File & Report

Avoiding Bad Credit – Lessons for the Younger Generation

Endless money supply is everyone’s dream solution to bad credit. How we wish that money grows on trees and with no effort at all we would all be rich. But that would also mean the devaluation of money, it would be equal to nothing more than a piece of paper.