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Are you accidentally damaging your credit score?

Could you be hurting your credit score – and therefore your ability to get future loans – without even realising it? There are some small behaviours that many people don’t know are harmful to their credit rating. Fortunately, once you recognize them, you can fix the behaviour and solve the...

What can & can’t be included in your credit report?

How much do you know about your consumer credit report? Would you say that it includes things like: Your marital status and your salary? Information that is 5 years old? Your marital status? There are a number of things that people commonly think they know when it comes to their...

Post-bankruptcy: what to do after declaring bankruptcy

Declaring bankruptcy is a difficult and frightening time. However, it’s far more common than you may realise. In 2017 alone, there were over 7,500 acts of personal insolvency in Australia, including bankruptcies, debt agreements and personal insolvency agreements, according to Australian Government statistics. Take heart that it’s entirely possible to...

5 Tips for Budgeting Success

Setting and sticking to a budget is the best way to stay on top of your finances. Making and sticking to a budget means you’re paying all of your bills on time and not acquiring unnecessary debt, which keeps your credit history and credit report positive. This is essential when...

Defaults 101: everything you need to know about defaults

What is a default? How long does it remain on your credit report? How can it impact you? These are just some of the questions that crop up when we start thinking about defaults. Getting to know the 101 of defaults can help you better understand what a default actually...

5 long term best practices for rebuilding bad credit

Because your credit history can have a major impact on your life when it comes to important milestones, such as applying for home loans, student loans or new jobs, it’s essential to rebuild bad credit. This way, you’ll improve your credit score for those critical times when credit checks are...