Credit File & Report
How Often Should You Check Your Credit Report?
Did you know you can check your report for free anytime? Your credit score changes all the time. So find out how often you should check your credit report.
Did you know you can check your report for free anytime? Your credit score changes all the time. So find out how often you should check your credit report.
Getting a black mark on your credit report can make it virtually impossible to get loan approval, but how long does a black mark stay on credit report?
Having a payment default on your credit report can greatly affect your next loan application. Every credit card holder should be aware of the negative effects of having credit default.
In spite of what some would say, you should quickly try cleaning up your credit report as fast as it has been stained. The greatest downside of having a low credit score (subsequently a bad credit report) is that it can make it impossible for you to get a loan, regardless of the type.
Why do lenders check credit history? There are items in your credit report that could spell problem when it comes to getting your loans approved.
Discover where your credit file is stored, its contents and the reasons why you should request for a credit report
The past is not past when it comes to credit history. Of course, you are not defined by your past but creditors look into it to see if you are credit worthy. So even if you make a resolve to change or you pay off your debt today, that’s not the end of that.
Experiencing difficulties in getting a loan is the best indication that you should focus on a credit repair. If your credit file has a bad history, financial institutions will be reluctant to give you a loan. Even if your business and income are doing great, chances are your loan applications will be rejected in case of a bad credit history.
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!
Ever wondered why it is important to track your credit rating? Every Australian has a three-digit score, a credit rating that is calculated by credit reporting bodies (CRBs). This reveals data about your financial history gathered from financial institutions and banks from all over the country.
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.
Identity theft is a big problem for Australia. It is estimated that one in five Australians have had their information stolen at least once. Criminals have various ways of stealing your personal information. They can implement low and high tech ways of collecting your data.
Despite how important an individual’s credit report may be, the majority of Australians have never checked their report. Not knowing what your credit report holds can lead to paying higher interest rates on credit cards and loan accounts, and can impede your chances of getting an affordable home loan.
