Your credit score can define you as far as many lenders are concerned. Get a “good” score and your chances of being approved are so much better, however, a lower or “poor” score can equally end your credit application before it has begun! But how can you improve your credit score? Lucky for you we… Read more
Articles tagged credit file
How do I find all of my debts?
This is one of the most common FAQs the team at Life After Debt is asked! So you are definitely not alone if you are wondering “How do I find all of my debts?” … The answer is as simple as following these steps: Find My Debts – The Steps Access a copy of your… Read more
Things debt collectors can’t do
Dealing with a debt collector is something that no one ever wants to have to do. Unfortunately, though, it is a situation which can arise within your lifetime if you have debt you owe, whether you want it to or not. Debt collectors have a reputation (in some cases a well-deserved one) for being obnoxious,… Read more
Your Credit Rating – What will affect it?
The average Australian uses a credit card, pays bills, has a loan or is thinking about getting a loan. If you fall into this category, it’s important to know what your credit rating is and what can affect it. Whether we like it or not, a credit rating or score is one of the most… Read more
Credit Repair Beware- What You Should Know
Your credit file forms a large part of the decision-making in whether you are a worthy credit-risk for the lender. Having adverse listings on your credit file such as defaults, court judgements, a writ/summons or insolvency action can impact your ability to get a new loan, credit contract or other services. Recently, positive reporting was… Read more
What is Equity?
Equity …. Positive Equity, Negative Equity – What is it?!?! FAQ time! When you have a mortgage, or are looking to take one out, the concept of EQUITY is very important – and yet so many people do not understand what it means. Check out our quick explainer here: Equity is a calculation used… Read more
What is Loan Consolidation?
Loan Consolidation (or debt consolidation) is a phrase used so often and yet one of our most FAQs is “What is Loan Consolidation?” We have put together a quick explainer video to help; https://youtu.be/7HitWOk75r4 The Cambridge Dictionary defines ‘consolidate’ as a verb: To become stronger and more certain; To combine several things so that they become… Read more
How Can I Get My Credit File for Free?
Accessing your credit file is easier than you think! And you do not necessarily need to pay a fee to see it. Equifax (formerly Veda Advantage) is one of the leading credit reporting agencies in Australia and there are several way to obtain a copy of your credit file – in fact, we encourage… Read more
Where Do I Find All My Debts?
This is such a common question we get here at Life After Debt ® HQ! So much so that we made a little animated video to explain how you do it 🙂
5 Steps to Maintain a Good Credit Score
Your credit score is looked at by all sorts of companies when they are looking at taking you on as a customer. A bad credit score can blacklist you from accessing their services. Credit cards, loans, mobile phone plans and insurance just to name a few. Taking steps to keep your credit score as high… Read more
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