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Why repair your credit report?

Negative listings on your credit report, such as black marks, can affect almost every aspect of your life -from a getting a loan for a major purchase, like a house, to even getting a mobile phone contract. Fortunately, you may not have to wait up to 5 years for a...

Top habits of people with excellent credit reports

Loans are a necessary part of life for most of us, and having a good credit history is key to getting a loan application approved, like a mortgage or even a mobile phone contract. A healthy credit history could also put you in a good position to negotiate a better...

What to do if your loan application is refused

If you were rejected for a loan, you may wonder why – it may be as simple as a missing document in your application, or it may be a warning sign that something is wrong with your credit history. Understand the problem No matter what type of loan you are...

Can I get a default for a bill I never received?

If you fall behind on your loan repayments, a creditor may report the default with the credit reporting agencies. However, what if you find out you have a black mark on your credit report for a bill you never received? If you never received it, it’s not your fault Creditors...

3 options for dealing with unmanaged debt

When debts pile up and become unmanageable it can be overwhelming. However, there are options you can – and should – explore for getting on top of the situation.   1. Negotiating a repayment plan with your debt collectors If you are struggling to repay a debt that is yours,...

6 smart ways to start the new financial year afresh

Much like January 1st, the beginning of a new financial year is a great time to take stock. There’s nothing like having to go through your finances at tax time to help you assess where you’re on track and where you could do better. Gear up for a great year...