A $36,000 personal loan default landed on her file while she held a family together through a crisis. A closer look showed it was listed in error, and it came off in 7 days. Here is what we found.
About to pay someone to fix your credit file? Ask these seven questions first. They will help you spot the operators who overpromise, protect your money and find out whether you even need to pay at all.
Got your free credit reports but cannot make sense of them? A free credit file analysis turns the jargon into plain English, showing what is holding you back and what to do next. Here is how it works.
A $26,000 court judgment from his own former law firm stalled a family finance application. It was set aside in just 6 days. Find out how a disputed bill turned into a fast consent order.
You can get your credit report free far more often than most Australians realise. Learn how to get both Equifax and Experian reports at no cost and the five things to check before you apply for a loan.
Asked your lender for hardship help and now your credit file looks worse? Learn how hardship flags and late marks can linger, and when a default listed during hardship can be challenged.
He signed as a guarantor long ago and forgot all about it, until a finance application turned up a default he never knew existed. Removed in 61 days. See the missing step that sank the listing.
Pulled your Equifax and Experian reports and the scores do not match? You are not alone. Find out why the bureaus disagree, which number your lender reads and what to fix first.
A court judgment can lock you out of mainstream lending long after the debt is paid. Learn the three ways judgments get removed, and why paying up does not always clear your credit file.
A bank sent the default notices to an old address, so she never knew a small debt was overdue until a credit check found it. The default came off in 60 days. Here is the detail that made the difference.
Five years is the usual sentence for a default, but it is not always the end of the story. Discover when a listing can come off early and why paying the debt alone does not shorten the clock.
Applied for a few loans and now getting knocked back? Every hard enquiry leaves a mark lenders can see. Find out which enquiries hurt most, which ones can be challenged and how to stop the damage spreading.
Stuck with a default and told nothing can be done? Paying it will not wipe it, but a listing that broke the rules can come off. Learn the step by step path to challenging a default with Equifax and Experian.
The complete list of things debt collectors cannot legally do in Australia — from call limits to fake court letters. Backed by Commonwealth law with penalties up to $10 million.
One default on your parents' credit file could mean thousands in excess home loan interest every year. In 91.6% of cases, that default contains errors and can be removed.
