Many Australians have defaults on their credit file without ever receiving proper notice. Learn about your legal rights and what creditors must do before listing a default.
Creditors must follow strict timeframes before listing a default on your credit file. Learn about Section 6Q and 21D(3) notices, mandatory waiting periods, and what happens when creditors miss their window.
Repayment History Information (RHI) may be silently damaging your credit score every month. Learn what RHI is, how it works, and what you can do about inaccurate reporting.
Learn why some creditors remove defaults faster than others. Discover the 4 key factors affecting default removal timeframes: compliance culture, established relationships, creditor attitudes, and debt ownership.
ASIC's investigation into debt management and credit repair services exposes a critical divide in the industry - between legitimate premium legal services and predatory operators exploiting vulnerable consumers. As CEO of MyCRA Lawyers, Graham Doessel explains why higher legal fees actually protect consumers, the importance of professional regulation, and how to distinguish between qualified legal representation and companies that make empty promises to desperate clients. Learn what ASIC's probe means for Australian consumers seeking credit repair services.
TL;DR Summary Sunshine Loans lost an appeal against ASIC [...]
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