A tough few months interstate left her with three defaults and a declined finance application. The first answer from the collector was no. The telco default came off in 24 days anyway. Here is how.
Paid an unlicensed credit repairer and got nothing for it? Courts have ordered refunds, but prevention is cheaper. Learn the warning signs operators use and the checks to make before you hire anyone.
Headlines about regulators shutting down dodgy credit repairers can make you freeze. Learn the real lessons from ASIC action and how to choose help without getting burned.
Family money promised to finish his house never arrived, and a $34,000 bank default followed. One flaw in the default notice changed everything and the bank agreed to remove it. Find out what it was.
The best broker referrals happen before a deal dies on the panel. Discover seven reasons brokers send clients to a credit repair law firm and how early referral protects both client and reputation.
Spotted a mistake on your credit file? Fixing it is not a favour from your creditor, it is their legal duty. Learn what creditors must do, the deadlines they face and where to go if they ignore you.
He called his energy provider five times over 14 months asking for a bill. When one finally arrived, a default followed soon after. Removed in 1 day. See why the provider gave in so quickly.
Shopping for a mortgage can spray enquiries across your credit file in a week. Learn how smart brokers prevent enquiry spikes and clean up the file before a single application goes in.
Brokers often spot unlawful credit reporting before their clients do. Learn the red flags that point to a non compliant listing and why early referral saves deals that would otherwise die on the panel.
A newcomer paid a small energy bill within days, yet a default still landed on his file and a collector wanted a fee to remove it. We refused to pay. Find out how it came off without a cent.
Facing a damaged credit file and drowning in ads promising quick fixes? There are really only three paths. Learn which one suits your situation and the warning signs that tell you to walk away.
Did you genuinely owe the debt? A default can still be removable. Learn why a real debt and a lawful listing are not the same thing, and the checks that uncover a way out.
A tradie bought materials on account, then his own clients did not pay. A $37,000 supplier default stood between him and building his home. It came off in 14 days. Find out what the supplier could not prove.
A burst of credit applications can do more damage than one big loan check. Learn why enquiry clusters trigger declines, which enquiries can be removed and how to stop the bleeding before your next application.
A multi million dollar fine against a credit bureau is a warning sign for every borrower. Learn what the Equifax penalty means for your rights and why your score matters less than the listings behind it.
