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Your Credit Score 101

What is your credit score and how does it affect you? In this infographic we help you understand what you credit score actually means and when it will come into play. Your credit score is a numerical score that tells prospective lenders how trustworthy you are as a borrower. The...

5 tips to start managing credit card debt today

If your credit card debt has spiraled out of control and is causing you serious financial problems, you’re not alone. According to the Australian Securities and Investment Commission (ASIC), Australians owe around $32 billion in credit card debt or an average of around $4,200 per credit card holder. The primary...

When will my credit score be checked?

There are certain times in your life when your credit report is likely to be checked. Many people aren’t aware of how bad credit can affect them or limit them in certain ways. Because these times are often important milestones, such as applying for a home loan or new job,...

8 things on your credit report that may scare lenders

The information contained on your credit report is one of the most important factors in determining whether a lender will give you credit or not. Each lender has slightly different criteria when assessing the suitability of a potential borrower, however they all have the same goal; to make sure that...

5 causes of insolvency & how to avoid them

Many factors can lead to mounting debts that put an individual at risk of insolvency. While some of them, such as unexpected job loss or illness, can be outside your control, there are measures you can take proactively to protect yourself. Here are the five biggest causes of individual insolvency...

Should I use a credit repair company?

Having a credit report in bad shape can seriously hinder your chances of getting approved for finance, like a car or personal loan. Many people think that they can repair their credit report by paying off the default, but unfortunately that’s not always the case –paying the default may only...