Tag: my credit file

credit repair tips to fix mistakes||credit repair tip to save more||too-much-shopping||||
Credit Repair

Credit Repair Tips

Credit repair is not a piece of cake-but there are things you can do to bounce back from your past credit mistakes.

"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.

"Creditors Interested In My Credit File"
Credit File & Report

Why are Creditors Interested in My Credit File?

Your credit file contains information that serve as basis of your credit score.  Creditors look into this three-digit number that mathematically interprets the information in your credit file. You can access a copy of your credit report from credit reporting companies like Equifax. Your credit report will allow you to review any credit related activity such as credit enquiries and credit card balances.

||"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.

How To Repair Credit After Bankrupt
Tips

How to Repair Credit after Bankruptcy

Bankruptcy is a painful learning experience that reminds us that we messed up with the way we managed debts. But, just like everyone else who stumbled, it is a reminder that we should get back on our feet, shrug off the momentary embarrassment and move forward to a better financial future. Fortunately for you, there are measure which can help in repairing your credit after bankruptcy.

Are there Easy Ways to Fix Credit?
Tips

Are there Easy Ways to Fix Credit?

Many people are looking for easy ways to fix bad credit simply because a bad credit score will disqualify you for almost anything. Luckily, a few debt management techniques and lifestyle changes can help you improve your score.

Remove Judgements from My Credit File
Tips

Remove Judgements from My Credit File

If you have unpaid defaults, it will be marked on your credit file or result in court judgements. Not making minimum payments on your credit card or missing payment schedules for loans without speaking to the company or lender about coming to some payment arrangement for payment could damage your credit score

How Can I Improve My Credit Rating
Tips

How Can I Improve My Credit Rating

If you have taken credit for any reason and you were unable to pay on time, then you’re probably one of the borrowers with less stellar credit rating. And so, you might be asking yourself, “How can I strategise debt management to give my credit rating a boost?”

Short Term Loans
Credit Rating & Score

Why Short Term No Credit Check Loans Are So Popular

Short term no credit check loans are one of the most accessible loans available for people with and credit. It is highly effective in filling up the income gap And addressing common money problems facing people on a day to day basis

Prevent destroying credit rating
Tips

Tips To Prevent Destroying a Couple’s Credit Rating

Are you a financially aware but your spouse hates saving? Conflicting opinions on money are one of the most common reasons of fighting between couples. Here are tips to save money and boost your credit rating without fighting over money.

Credit Score Self Employed
Credit Rating & Score

Benefits of Clean Credit for the Self-Employed

Self-employment gives you the ultimate freedom to pursue your passion whenever and wherever you want, and the total control over your earnings without worrying over how to get a bad credit rating removed.

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.

Is Credit Repair Actually Worth It?
Credit Restoration

Is Credit Repair Actually Worth It?

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.

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.

Improve your Credit Score with Debt Consolidation
Credit Rating & Score

Improve your Credit Score with Debt Consolidation

Debt consolidation is one way to manage or organize your debts which probably includes credit card debt, car loan, home loan, educational loan, personal loan and other types of loans that you have engaged in.

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.

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.

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

Transition to Retirement – What it Means and Involves
Credit File & Report

Transition to Retirement – What it Means and Involves

Retirement and pension age for Australians began a little over a hundred years ago and has been evolving every since. It used to be that retirement age was far past the average life span of a worker and that when a person did reach the age where they could transition to retirement, they were expected not to work at all and just rest for the remainder of their lives.

Gen Y Worried About Their Financial Future
Credit Rating & Score

Gen Y Worried About Their Financial Future

Younger generations are not generally known for being financially responsible but Generation Y or Gen Y might be a generation that is the exception to the rule.

There have been a lot of changes to credit reporting over the last 18 months. While many of these changes have been welcomed
Credit File & Report

Can Repayment Information Affect My Credit File?

There have been a lot of changes to credit reporting over the last 18 months. While many of these changes have been welcomed, one has remained a point of controversy and is the subject of much talk and misunderstanding. That is the recording of loan repayment histories on credit files.

Comment: Positive Credit Reporting For My Credit File
Credit File & Report

Comment: Positive Credit Reporting For My Credit File

In 2015 Australia will begin a new system of credit reporting that will benefit those who have good credit behavior. Before it was only bad credit behavior that was reported and it would outweigh any good behavior that was not being reported on my credit file.

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.