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Tag: clean credit

how does credit repair work
Credit Rating & Score

Credit Repair – How Does it Work in Australia?

Credit repair is a term used to describe the process of improving an individual’s credit report. This can be achieved through the removal or adjustment of incorrect negative credit listings from a person’s credit file. Credit repair is a possibility in Australia, but first, it’s important to understand what could have damaged your rating in the first place.

"How to improve my credit rating"||"How To Improve Credit Rating And Score"||||"Cost Effective Tips To Fix Credit Rating"||||||
Credit File & Report

Cost-Effective Tips on How To Fix My Credit

You may have read tons of articles about “tips on how to fix my credit”, but they often involve paying down your debts. What if you are financially hard up today, but you want your credit score fixed so you can get a better loan, job or perhaps a nicer apartment than what you could get with your current credit score?

"Fix Bad Credit"||||
Credit Restoration

How to Fix Bad Credit in Australia

Your credit score Australia is a snapshot of your credit behaviour. A borrower can improve and fix the information on a credit file by making simple adjustments in debt management.

||"Someone struggling with finance"||
Credit Rating & Score

Proof of Financial Hardship: Documents Needed

Not everyone can apply for serious financial hardship. Not getting enough money to pay your bills or to meet your daily needs wouldn’t suffice. The law set specific circumstances where individuals can take refuge from this legal exception. Serious hardship is a situation in which you can no longer pay your debts and bills. It is a relief offered by creditors and the taxation office to release borrowers from certain types of financial obligations

Credit Rating & Score

Credit Repair Tips to Help You Develop Personal Money Goals

Australia has one of the most booming economies in the world, yet so many Australians have bad credit score. Their rating limits their ability to borrow money, leading to more debts and money problems. In reality, the main culprits of credit problems are weak money management and poor financial planning. The question is—what credit repair tips can help you Fix Your Credit Rating and help you achieve financial satisfaction?

How to Recover From A Bad Credit Score
Credit Rating & Score

Can You Recover From A Bad Credit Score?

Do You have a bad credit score ? You are not alone. Discover how you can recover from a bad credit score. Read on to learn how you can regain financial freedom.

poor vs good credit rating
Credit Rating & Score

Positive vs Negative Credit Score

A higher score means you will pay on time, but you’ll pay late or never, when your score dips below the average—that’s how lenders see it.  Perhaps you’ve read too many positive vs negative credit rating comparisons already and you understood why it’s so important for lenders. So, this time, we’ll give you fresh ideas on how you can turn your negative rating into a positive one based on your credit rating.

Financial Hardship: What You Need To Know
Credit Repair

Financial Hardship: What You Need To Know

Life happens, and sometimes it can take an unexpected turn. You are suffering from financial hardship if you are struggling to make ends meet, and finding it hard to pay your utility bills or to meet your loan repayments because of the following circumstances:

Credit Card Scam
Credit File & Report

How To Spot A Credit Repair Scam

When you are desperate, you are more vulnerable to scams of credit repair and dodgy money lenders whose sole purpose is to take advantage of you. Such a credit repair scam can cost you thousands of dollars, and if the service fooled you once, it will fool you again.

Tips on How to Keep your Credit Clean
Tips

Tips on How to Keep your Credit Clean

Are you planning to maintain your good credit rating? Or do you need to improve your current credit score, so that you will have more financing options?

Is Fixing My Credit File Worth It?
Credit File & Report

Is Fixing My Credit File Worth It?

Deciding whether to hire credit repair company or not is not a tough job. But, there are some important factors to consider when making your decision.

DIY Credit Repair Tips
Credit Restoration

DIY Credit Repair Tips

Bad credit can either stall the process of getting a new loan or make it altogether impossible.

How to Repair Your Credit after Bankruptcy?
Credit Restoration

How to Repair Your Credit after Bankruptcy?

Is it possible to get a loan when dealing with a bad credit history? How can you repair your credit? We’ve gathered a list of suggestions that will help you overcome this problem and improve your credit file!

Debt Relief and You
Credit File & Report

Debt Relief and You

If you are feeling overwhelmed with your monthly bills, multiple loans, and you are even ignoring calls from companies you owe money to, it might be time to consider looking at debt relief.

How often should you get a credit rating check
Credit Rating & Score

How Often Should You Get A Credit Rating Check?

Do you know your own credit rating? Do you know that your credit rating is flexible and changes as your debt accumulates or as your debt reduces? Do you know your credit rating can affect potential loans like home loans, personal loans, or even a loan for that sweet ride you’ve been eyeballing?

Risky Direct Debit – How to Avoid It
Credit Rating & Score

Risky Direct Debit – How to Avoid It

Nowadays, more and more Australians prefer automated payments, so that direct debit is becoming very popular. Even though they are not new, the risks of this type of debit have increased during recent years.

How to Clear my Debt as Soon as Possible
Credit File & Report

How to Clear my Debt as Soon as Possible

I often say this to myself, “I want to clear my debt” but I noticed that I find myself borrowing again just to be able to pay my existing loans. I’ve been thinking about how I can clear my debt as soon as possible.

Opt for a clear credit history – Get rid of credit card debt
Credit Rating & Score

Opt for a clear credit history – Get rid of credit card debt

Having a good credit history is very important. Long before you consider buying a home or making another big purchase you need to consider your credit history and how that can affect your ability to get a loan at a good interest rate.

My Credit File: A Life-Long Investment
Credit File & Report

My Credit File: A Life-Long Investment

Many people may wonder, “how important is my credit file?” Your credit file is among the first documents that most lender goes through before approving loans or credit. Your credit file will contain your credit score.