No defaults, no judgments, yet a low score was blocking a home loan. The culprit was a row of small lender enquiries. Three came off in a single day. See the different reason each lender agreed.
ASIC keeps putting payday lenders and credit repairers under the microscope. Learn what the crackdown means for you and the simple checks that separate a legitimate firm from a costly mistake.
No defaults but still getting knocked back? Late marks in your repayment history could be the culprit. Learn how lenders read RHI, which marks can be disputed and how to protect your next application.
She put her sister's car loan in her own name as a favour, then learned it was never paid off when a home loan was declined. The ombudsman ordered the default removed plus compensation. Here is how.
Found accounts on your credit file you never opened? Identity theft can wreck your borrowing power fast. Learn the steps to take in the first 48 hours and how fraudulent listings get removed.
Think a default only comes off once you pay it? That is the biggest myth in credit repair. Learn why compliance, not payment, decides whether an unpaid default can be removed.
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.
