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Your Credit Score 101

What is your credit score and how does it affect you? In this infographic we help you understand what you credit score actually means and when it will come into play. Your credit score is a numerical score that tells prospective lenders how trustworthy you are as a borrower. The...

New Year’s resolution: repair credit score

Black marks against your credit history can have a bigger impact on your life than you may realise. The negative effects can range from more minor inconveniences, such as difficulty getting a mobile phone contract, to major setbacks such as being rejected for a home loan. Fortunately, there are steps...

5 hacks to better manage your money this silly season

Ho ho ho, tis the season to be spending! As wonderful as the holidays are, this time of year is often the biggest hit to our budgets. The average Aussie post-festive credit card debt is a whopping $1,666, with 82% of us taking up to six months to pay that...

How to avoid credit defaults this Christmas

For most of us, Christmas is a great time to get together, put your feet up and relax. Whilst it can be a wonderful time of the year, it can also be the most expensive. With so much fun going on, it may be tempting to apply for a new...

What to do if your loan application is refused

If you were rejected for a loan, you may wonder why – it may be as simple as a missing document in your application, or it may be a warning sign that something is wrong with your credit history. Understand the problem No matter what type of loan you are...

Can I get a default for a bill I never received?

If you fall behind on your loan repayments, a creditor may report the default with the credit reporting agencies. However, what if you find out you have a black mark on your credit report for a bill you never received? If you never received it, it’s not your fault Creditors...