Do Credit Repair Businesses Provide Legal Services?
Not every credit repair business is delivering legal work, whatever the ad says. Learn how to check who you are really hiring and the questions that reveal whether you will get proper legal advice.
Case Study: Old Uni Commonwealth Bank Card Default Removed in 5 Days Before Settlement
Settlement on an off the plan purchase was looming when an old student Commonwealth Bank card default surfaced. It came off in 5 days, well before settlement. Find out why the bank agreed so fast.
Mortgage Market Tightening and Your Credit File
Tighter mortgage conditions mean less patience for messy credit files. Learn what lenders are scrutinising now and the simple checks that keep your application out of the reject pile.
Social Media and Home Loans: Fix the Credit File First
Worried a lender will judge your social media? Your credit file matters far more. Learn which listings actually sink home loans and why fixing the file comes first.
Case Study: Years-Long Energy Billing Dispute Ends With Default Removed in 29 Days
They kept paying, and the energy company kept saying the account was unpaid. Even an admission of a misapplied payment did not fix it. The default came off in 29 days. See what finally worked.
Australian Consumers Kept in the Dark About Credit Files
Many Australians have no idea what is sitting on their credit file until a broker breaks the bad news. Learn how to see your Equifax and Experian files free and avoid nasty surprises.
What Is Your Credit Score Really Saying?
Celebrating a higher credit score? Lenders may not be. Learn why the three digit number is only a product, what your credit file actually tells a bank and where to look first.
Case Study: Charged for Phones She Returned, Telstra Default Removed in 9 Days
She returned two phones to Telstra and paid what she was told would settle the account. Instead, a debt buyer listed a default. Removed in 9 days. Find out what turned the dispute around.
Energy Bill Defaults: When Utility Debts Hit Your Credit File
Missed an energy bill after moving? It can quietly become a default that blocks home loans for years. Learn how utility defaults get listed and the checks that can show whether yours should come off.
Found a Better Home Loan? Check Your Credit File Before You Apply
Found a better home loan rate? Do not apply yet. Your credit file could trigger an automatic decline. Learn the simple two week routine to check and clean up your file before your broker lodges.
Case Study: Energy Retailer Merged Two Accounts, Default Removed in 6 Days
His energy retailer told him not to pay a disputed bill, then listed a $4,000 default for exactly that. Behind it was a merged account mix up. Removed in 6 days. See how the error came to light.
Finance Before Romance: Why Credit Checks Matter for Couples
Planning to buy with your partner? One surprise listing can sink a joint home loan. Learn why couples should swap credit files before settlement week and the calm way to have that conversation.
Why Credit Repair Is Legal Work: What Brokers and Consumers Need to Know
Credit repair is legal work. See what the courts say, the real risk if a complaint is made, and why brokers and consumers are safer with a law firm.
Credit Repair for Mortgage Brokers: Protecting Deals and Clients
A dirty credit file costs brokers settlements and clients their dream home. Learn how to triage contested listings, when to refer and how to keep referral arrangements clean and transparent.
Case Study: Business Energy Accounts Opened in His Name Without Consent, Default Removed
A home loan application turned up a default for an energy account he had never heard of. A former employer had opened business accounts in his name. Find out how the default was removed.