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Clean Credit can help you restore your credit rating and lower your credit score. Clean Credit has helped many people to have negative credit listings such as defaults and judgements removed from their credit files allowing them to be financially free once again.
Clean Credit can help you restore your credit rating and lower your credit score. Clean Credit has helped many people to have negative credit listings such as defaults and judgements removed from their credit files allowing them to be financially free once again.


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5 Health Benefits of Saving For People with Bad Credit Loans

Discover how people with bad credit loans can be healthier when they save money for emergency and future needs.

Having enough savings for your emergency fund, retirement accounts and investments sounds pretty good on its own, but do you know that it has health benefits as well? Check out these health benefits that may spare you a trip to your doctor’s office and possibly, make your life a little bit cheerful and satisfying than it used to.

It Reduces Stress:

Saving now helps reduce stress, especially when you start at such a young age. As you get older, your savings increases - especially if it’s in a bank, then, guaranteed, your money will be multiplied as time passes. You don’t have to worry much about your future when the case is like this. Nowadays, you should learn how to secure your future in order for you to be successful in the coming years.

Relying so much on parents or relatives might make it harder for you to be independent when the time actually comes. If you’re a little bit over 40, it is probably high time to start saving for retirement. Build your financial portfolio early, and get a decent retirement income when you exit the workplace. For young professionals and entrepreneurs, becoming independent and learning how to stand on your feet when you’re still young gives your family the assurance that in the near future, you will have a nice life even without their support.

It Alleviates Anxiety:

What would you feel if your house is on fire and you don’t have a single cent in your pocket and your savings account is empty? Imagine the anxiety you can experience when you know that there is nothing for you to lean on when calamities strike.

Saving money helps you avoid pressure when emergencies arise such as a family member getting sick all of a sudden, or even a car repairs. Your health insurances should be updated as well as your home insurance.

There is absolutely nothing wrong with being prepared for the worst—in fact, it takes care of future problems when you still have the solutions. In case emergencies as such happen, you wouldn’t have any problems about where you will get the money to cover your needs. Without hesitation, you could say that you can pay for the hospital bills, or buy the medicines prescribed to the patient in your family. Because honestly, it’s difficult to think straight when you’re under great financial pressure, and your life or property is at stake.

Becoming a lot more confident when put under these certain circumstances, is one of the many positive outcomes and advantages of saving. Because not only do you have the guarantee for your family’s health as well as yours, it also improves you as a whole.

It Boosts your Immune System:

The happier you are; the stronger your immune system. If you’re feeling well, you can be more productive at work. When you have assurance that you are, in fact, earning and saving, it motivates you to work hard with a smile on your face.
Laughter is the best medicine, and no one can deny that.

Science says that smiling uses lesser face muscles than frowning. It reduces wrinkles and with your emotion being quite joyful, it makes you healthier by the second. Becoming more productive may also lead to promotions coming at you left, right, and center. Although it may be quite tiring, just keep in mind that in the end everything will be worth it. You’d be able to achieve the goals you have and spend the money that you’ve tried so hard to set aside.

It Improves your Quality of Life:

As mentioned before becoming a million times happier makes you healthier. Through saving, you are prepared when the most unexpected things happen. Remember that a lot of people who used to be CEO's and top rank managers ended up in the street because of poor financial decisions.

That means that when you save a substantial amount of money for the future; you don’t have to go scrambling and asking other people for money along the street in case you suddenly lost your job, became homeless, and went bankrupt. Having this type of guarantee will make you want to sit back and relax after a long and tiring day at work. You can happily ponder over the fact that, someday, all your goals will be achieved with the help of the money you’ve worked so hard on and have saved for years.

Do you have a Bad Credit?

If you need money to pay defaults or judgments, bills, mortgage arrears and other outstanding debts, you can apply for bad credit loans. Debt collectors will stop harassing you and you will have more than enough money to settle increasing credit card debts and multiple personal loans.

But, before you do that—make sure to clean up your credit, eliminate negative listings that are damaging your credit report. Make an enquiry today!
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How to Maintain Clean Credit While Enjoying Weekends with Your Family

Having free time is near impossible, especially when you’re working. Even teenagers need to fix their schedules due to the overflowing amount of schoolwork and activities. In a family, we sometimes forget to even acknowledge each other’s presence. With mum and dad being extremely busy with their jobs- phone call here, business meetings there. We don’t even have time to eat dinner as a family. Sometimes its things like these that pull the family apart.

Having a weekend outing despite the hectic schedules is the key to solve the problem; so that you could finally catch up on the things going on in each member’s life. Your weekend could be full of excitement due to the number of activities set up. This will be a great opportunity for everyone to get together after a long time and enjoy at the same time. These are the things considered when planning a weekend out:


Everyone’s schedules should be cleared out for the weekend set up. It’s only sometimes that you get to spend time with each other, so all those other things to do should be set aside for another day. Those gadgets should also be set aside so that everyone will enjoy whatever activity is set up with no distractions. You need to give your full undivided attention to the others, and they do the same to you. If you have time for business meetings and schoolwork, you should also have time for your family.

By setting a schedule, you can have a spare time to take a good look at your finances. How much did you spend on your daily needs for this week? Are there some changes that you’d like to make so that you can catch up on your bills’ payment?

Take advantage of this free time so you can talk to your kids about the weekly expenses that need to be adjusted. It is also important to involve kids in financial matters especially if they complain because of the tight budget.
Letting them understand the real situation will also give them a feeling of empowerment; that they are important members of your family.

Stay Close

The main purpose of going out for the weekend is spending time with each other. But that doesn’t mean that you have to stay locked up inside your car for more than three hours just to get to your destination. Yes, conversations inside of the car can get quite interesting sometimes, but that’s until you run out of things to talk about which makes the atmosphere quite awkward.

Your destination should be close to your house. The beach that’s an hour away might do. It just depends on the traffic. Stay as close as possible. Having along car ride will start things out boring and might even end the day boring. Not only will it make you closer, it also helps you save money while enjoying the perks of spending time with your kids.

Plan Ahead

Every activity should be planned out wisely so that when the day comes, you wouldn’t be idle and have no idea what you’re going to do. You should budget your time and maximize the opportunity to hang out. At least three activities should be set up so that at the end of the day, when everything is done, you have a sense of fulfillment. There should be time allotted for each activity- as mentioned before, time management and budgeting should be applied. The food should be bought the Friday or the weekend before the day you’ll go out so that it could be prepared the night before to avoid any more time-consumers the next day.

In the car ride home, you’ll have tons of things to talk about, including your experiences during the day, and the activities that each member of the family has enjoyed doing. Take advantage of every opportunity to let your children know that they can talk to you about anything and that they shouldn’t be scared to air their opinions, sentiments and fears.

Our credit standing has a huge impact on our roles as parents.

How many timers did you skip parties, family gathering and missed out on your kids’ important events because you have no money to spare? Or, how many bank refusals did you get before you were able to take out a loan for your child’s party? If you’re in a similar situation - don’t worry. There are thousands if not millions of people around the world with the same dilemma. So, don’t be discouraged. You can still fix your credit by learning how to spend sparingly and providing thrifty alternatives to your former choices.

Clean Credit helps you fix your credit scores so that you and your kids can enjoy not only your weekends, but your daily lives as a family. Learn more about our credit repair services today!
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Credit Repair Scammers and How to Stay Away from Them

The odds are that you have already heard of credit repair companies, and how they can help you, no matter the severity of your financial difficulties. They either directly promise or imply that they can fix your credit overnight and significantly enhance your credit score.

Truth be told, most of the time, these claims are misinterpretations of things that are legally impossible. That’s why they charge significant sums of money – sometimes, these amounts reach thousands of dollars, which could make you sink even deeper in depth.

So, it wouldn’t be wrong to argue that some companies are simply preying the desperate individuals who would do anything to enhance their situation.

Signs of a Credit Repair Scam:

1. If you don’t receive a copy of your credit file, then something is not right. Apart from that, the company should communicate your rights on obtaining a credit report, and offer proper information on how to dispute incorrect claims. Additionally, credit repair companies should inform you that you can perform the procedures on your own.

2. If the firm doesn’t provide you with a detailed contract on your agreement, the company could be a scam. Typically, we advise you to avoid agreeing to pay for services unless you know 100 percent what you’re getting yourself into. Always scrutinise the contract to ensure it features all the information you should know on the topic.

3. The contract doesn’t contain vital information. Some examples would be: the name and address of the organisation, the amount of money you’re charged, information about the services the company will perform on your behalf, the date by which the services will be performed, a statement informing you about the cancellation policy of the contract.

4. The company requires you to pay for the credit repair procedure before it has been performed. Charging upfront fees is illegal. Unfortunately, in this department, numerous credit repair companies break the law. Apart from that, some firms are unaware that they cannot charge customers upfront.

5. The company guarantees that it will remove all negative claims from your credit history. From a legal standpoint, all this information belongs on your credit report. However, scam credit repair companies might turn to shady tactics such as convincing you to claim identity theft. This way, they could remove negative listings from your history.

6. The company requires you to create a new identity. In fact, one common credit repair scheme is to create a new credit profile.

Can You Trust Any Credit Repair Company?

While it’s true that there are numerous credit repair companies that are scammers, it would be an overstatement to claim that there aren’t reliable firms in the marketplace.

On the contrary, is one of the companies you can depend on. We are entirely honest about your situation, and we don’t make impossible claims and promises just to grow our customer base. Apart from that, we have extensive experience in dealing with all kinds of situations.

Leaving that aside, here are some of the signs of a reputable credit repair firm.

• The company consults with you before embracing any strategy. There isn’t any business that can make promises and claims regarding your credit unless they know everything about your financial situation. An honest credit repair firm will make inquiries about your credit history and will discuss the strategic approach it may take.

• The company communicates your rights. While the assistance of a credit repair firm can be priceless, you should know that you have the right and means to follow the same procedures similar to a professional company. Be wary of businesses that seem secretive and uncommunicative about your rights, especially if they don’t tell you that you can attempt to DIY.

• The company doesn’t promise that it will ultimately raise your credit score, no exception whatsoever. While a reputable credit repair firm can talk about how it helped former customers to enhance their ratings, one cannot make promises and claims that it will ultimately increase your credit score. Such claims are exaggerated and inaccurate.

Final Remarks

The bottom line is that, if a company appears a bit too good to be true, it probably is. Look for customer reviews, feedback, and past experiences, to ensure that the company you’re choosing is as reliable as it claims to be.
In the event in which you know that you’ve been the victim of a credit repair company scam, you should do something about it. Make sure you discuss the situation with your attorney. Perhaps you could file a suit against the scam company and get your money back.

As a general rule, choose your credit repair company wisely. And, if you notice any of the practices presented above, make sure you don’t fall for them!
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Why You Need Credit Repair When Moving House

Understand why moving house affect your credit score and how credit repair can lessen its impact. Sometimes, people move homes. It could be for lifestyle reasons, to own a bigger home, to reduce costs, to be close to family and friends or to simply have a fresh start, usually after a break-up or job move. But, when you move, your credit report is affected.

Does Moving Benefit my Credit Report?

Yes. If you used to live in an urban area-with high cost of living and you decided to live in a low-cost neighborhood, they may consider your application despite your bad credit score. It’s because your lifestyle change may have reduced your expenses, thereby leaving you with more money to pay for your debts. If you have managed your money responsibly in the past, but you only missed on payments because of some personal problems that reduced your income; even your old lenders may accommodate your request for a new loan.

The Negative Impact of Moving

Moving increases credit risk. When you are frequently moving, lenders see you as a risky borrower. Lenders and bank are looking for applicants with low credit risk or those who are least likely to default on a debt that may arise when a borrower fails to make required payments in a given period. Lenders avoid contracts where in the end they would lose money.

Unpaid principal means, not only lost income, but lost capital, in the form of principal. Following-up on unpaid debts could also escalate the cost of collection efforts. In the end, it disrupts the cash flow of the company which could affect not only the collection department, but the whole operations.

Here are the Aspects of Moving that affects your Credit Score:

1. Moving House is Expensive:

It can reduce your ability to pay your outstanding debts. Buying a home or property is expensive because of the mortgage costs, upfront fees, solicitor’s fees and insurance.

You can expect the following costs throughout the moving process:

• Mortgage fees include a booking fee, arrangement fee, mortgage valuation fee. These costs are usually added in the upfront. But you can add them to your mortgage if you don’t have available money. However, you will be forced to pay interests on these fees during the lifetime of your mortgage.

• Removal costs. It could range from $300 and up. But, you can rent a truck or van, or if you have your own car, you can do it yourself.

• Home maintenance and repairs. Make sure that you already know the problems in your new property before moving. There are damages that need fixing right away such as pipes, heating and cooling system, and roofing.

• Running costs. How much did the previous occupants spend on utilities such as electricity and water each year? There are also charges like cable, phone and other expenses to consider.

2. The Risk of Late Payments is very High, because of your new Address.

You may not immediately receive notifications and bills form your previous lenders because of the move. Unless you set-up a postal direct—and informed your lenders about it.

Stable lending companies and banks have professionally worded late payment reminder letters that are being sent to prompt customers to take prompt action to pay their debts. They usually end a letter of action, before instituting legal proceedings to collect and enforce the debt. The problem with moving is that you may not be able to receive the first payment reminder letter and the follow-up reminder letter.

3. Lenders may presume that you are trying to escape your debts.

Frequently moving home could be a sign that you are escaping from friends or relatives you owe money to. You may really want to pay your debts back, but if you are frequently moving houses, some lenders may think that you are intentionally trying to avoid paying your lenders.

Some lenders may also think that you are deliberately ignoring the letters and calls from your creditors – especially those who did not know about your new address.

How can Credit Repair reduce the Impact of Moving House on my Credit Score?

Contact your creditors, and credit bureaus to update your address records as well as your electoral roll. You can also access proven strategies to permanently remove negative listings such as defaults on credit card debts, personal loans, internet and mobile phones.

If you have problems with energy defaults, gas and electricity and defaults with other credit providers; our credit repair team can help you address those issues.

Make an enquiry today to get the right help to address your default problems, and other related issues of moving house, to achieve the credit rating you deserve. Start your credit repair today!
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3 Simple Methods for Repairing Your Bad Credit

Your credit report influences your capability of applying for credit or getting a loan. Many Australians have a clean credit history, which makes the process of applying for further credit effortless. Nevertheless, that isn’t the case for most Aussies. More and more Australians cope with the side effects of a negative credit record.

By approaching the situation correctly, you can aim at repairing your credit, in time, with lots of perseverance and patience. If you think credit repairing is something that can happen overnight, your expectancies are a bit too high. Destroying your credit score can happen virtually in a matter of days, but repairing it can take months, if not years. However, there are several tools you can use in order to bring it back on the right track.

Apart from that, in the case in which your credit record features errors of any kind, you have the right to dispute them and have them removed. How to repair bad credit? Today we will present to you three top methods.

Dispute Inaccurate Listings on Your Credit Report

So, if you want to learn how to repair bad credit, the first thing on your list should be to analyse all the information. In other words, you should determine whether there are any inaccurate listings there, as this can happen. You have the right to dispute false listings. If your claims are accurate, then those listings will be removed, which would imminently increase your credit rating.

Nevertheless, if the information in your report is correct, there’s nothing you can do about that but try to change your spending habits. This way, you can prevent the situation from worsening. Your credit listing can be provided by your bank. It contains every transaction you’ve ever made, as well as each default or late payment (the causes of your low credit score). Peruse it carefully so no error, should there be one, will escape you.

Aim at Improving Your Money Management Skills

If you wish to enhance your credit score on the long term, your priority should be to avoid poor financial management. This is the second step you should take if you’re asking how to repair bad credit. This implies: not spending on useless things anymore, cutting back on your vices (smoking, drinking, partying), learning how to save instead of spending recklessly and being a little more frugal.

By doing so, you avoid returning in the same situation again. So, here are some of the scenarios you should steer clear of: credit card and loan defaults, bankruptcy, court judgments, late utility bill payments. In the long run, these are some of the aspects that could seriously damage your credit score. Apart from that, that would imminently impair your possibility of obtaining financing for a mortgage, car, or business. The worst case scenario is being deemed as a high credit risk. That would hinder you from qualifying for 95 percent of the loan solutions on the Australian market.

When the lenders convey you as a high risk, the interest rates will be significantly higher. Hence, bad financial practices could lead to a debt cycle that may seem never-ending.

Work on Developing Effective Financial Practices

If you want to know how to repair bad credit, the answer lies in implementing effective financial practices in your everyday spending. Although it may seem complicated, if you are determined and eager to surpass this financial hardship, you’ll succeed. That being said, you should start budgeting and spending less money than you bring in. Try to reduce your spending on unnecessary things and switch your high-interest debt to more favourable credit facilities (if possible).

If you have loans to pay up, consider taking a second job until you get rid of them. It will be exhausting and nerve-wracking, but you’ll be able to pay the monthly fees on time, thus preserving your credit score and preventing it from dropping even lower.

Work with a Credit Repair Agency

This is another useful step on the topic of “how to repair bad credit.” Yes, there are such companies specialised in offering relief for persons with low credit. They will do whatever they can to repair it, including reading your credit listing and looking for possible mistakes. As you might expect, they won’t work for you for free. Each company has a certain fee. If you consider employing a credit repair agency, please make sure it’s the real deal.

There are many scammers, particularly on the Internet. You wouldn’t want to spend money to lose money, would you? Do some research first, and you’ll be safe and sound. Moreover, your credit score will allow you once more to get other loans should you need them. Just don’t get indebted again.


Although you may believe that improving your credit score is an impossible goal, these tips on how to repair bad credit could help. It’s true, it will take time until that happens, but it will happen eventually. If you want to find out more about repairing your own credit or you want to seek the assistance of an expert, go to
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Credit Repair: What Is Positive Credit Reporting?

Credit repair is a process that happens whenever a person with bad credit wants to get his/her credit file in good shape to meet the requirements for a loan or a banking service.

In order to be able to do a credit repair, the person should get his/her credit file from a credit file reporting body or CRB.

But why should a client use a credit repair service to be eligible for a loan? Are there any other methods? Apparently, positive credit reporting will change the way many Aussies think about bad credit.

What Is Positive Credit Reporting?

Before we get to positive credit reporting, let’s talk about the system used before. It was called negative credit reporting, and it was a system that Australia used until March 2014. The system informed the lenders about the negative parts of a client’s credit history.

However, the lenders couldn’t get any information about the customer’s application: if it was accepted or not. This system also included information regarding defaults, bankruptcy, overdue debts, court judgments and so on.

Now, the new system – the positive credit reporting – is a step up from the former system. It shows information regarding the number of accounts a client has, what accounts have been closed and opened, the dates the customer paid his/her default notices and how well he/she meets his/her repayments.

This thing can potentially make any Aussie with bad credit get back on his/her feet by just simply paying back his/her debts. Aussies will use credit repair centres less and less and will rely only on organising their financial life and eliminating bad financial habits.

What Are the Benefits of Positive Credit Reporting?

For consumers, there are a lot of advantages. Here are just some of them:

1. It’s great for people who take out their first loan

If you have a new credit file or have a short credit history, you know that you will have a hard time getting a loan from many lenders. It is because your credit file doesn’t contain enough information for the lender to decide whether you are a good creditor or not.

However, with this new system, your credit file will contain a lot more information regarding all the positive things you do. That means that now it is easier for someone with a new credit file to get a loan.

2. Balancing things out

Let’s say that you have a bad credit and you want to go to a credit repair centre. The chances are that you won’t get a lot out of those guys, so you are now stuck. However, with the new positive (comprehensive) credit reporting system, you will solve your problems without having to rely on a credit repair centre.

This new system will register your recent positive behaviour (like making all the required payments in the past year) to compensate for those couple of missed payments that happened a few years back. It is one of the best features any consumer could have.

3. Better scoring system

Your credit score will be more accurate and detailed in comparison to the previous system. This will help you when you want to take out a loan.

4. Other improvements

If you miss a payment, your credit score won’t be significantly impacted. Instead, you will have to miss the same payment or have a pattern of credit stress to get a negative mark on your credit score. In other words, this system is friendlier when it comes to certain mistakes.

5. It also benefits the lenders

Lenders will know a lot more about their clients. The information will be more accurate so that they will make a better decision regarding certain customers. This is a win for both the lenders and the consumers.

Another important thing to know is that positive credit reporting allows lenders to identify credit stress at a much earlier stage. Lenders will know when and how to act with particular consumers so that there will be fewer bad debts or bankruptcies. This, again, can be seen as a positive thing for both parties.

Positive credit reporting can also help lenders to tailor their services for each person based on their credit history. In other words, there will be more diverse services for every type of client. Again, this can hugely benefit any type of consumer.

What Do We Think?

This system is excellent for both parties because it encourages better decision-making. Not only that, but consumers will no longer have to rely on credit repair centres, and they will actually have to fix their credit by making smart decisions.

Up until now, this system works better than we had hoped.


If you want to find out more information about credit repair and positive credit reporting, we recommend checking You will get all the information you need on this and other financial services.
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What Debt Management Strategies Can Damage My Credit File? -

Not all debt management solutions work. In fact, some of them can bury you in debt, and leave you with nothing but a damaged credit file. Credit is all about trust. Lenders entrust you with their money, with the hope of gaining profit from it, based on your promise to pay them back, with interests and fees. So, when you fail to comply with your obligations, they will fill up your credit report with information to warn other lenders so that they have second thoughts on lending you money. But, if you pay on time and keep up your end of the bargain, at all costs, the credit bureau will reward you with a good to excellent credit score that will encourage potential banks and financing institutions to approve your credit applications. That’s how credit report works.

Skipping Payments and Paying Them in Full -

There’s nothing wrong in paying your debts in full, but if you make it a habit to pay once every two months, or before you are declared in default, your credit score will suffer. Missing payments for 30 to 90 days reflects that you don’t have the ability to repay your borrowed money on time. Here’s an example:

Wang has irregular income, so he decided to pay his credit cards and utility bills once every two months and his mortgage, once a month. While it is convenient for him to follow this payment schedule, it is not good for his credit score. Missing his payments on credit card and utility bills, even for convenience purposes will have a negative impact on his payment history and outstanding debts. Plus, he has to pay late fees and charges. That’s how important timing is when it comes to determining credit rating.

In the example above, what Wang can do is to avoid maxing out his credit cards—or even coming close to its limit. Before you charge anything to your account, make sure that you can pay the whole balance in a month. This is to avoid incurring any difficulty repaying the amount you borrowed. If you want to build good credit, keep your credit below 30 percent. It is also important to pay off your balance each month not only to show your lenders that you're capable of paying bills, but to improve your credit as well. It’s because a big portion of your credit score is attributed to the timeliness of your payment.

Debt consolidation is also a good way to take care of your debts, but make sure that you have the discipline to prevent yourself from taking out additional credit. Otherwise, you’ll be in a more difficult financial position because of too much debt, especially if you have limited income.

Closing Old Credit Accounts -

If you will close accounts to avoid using them up, make sure that it is the most recent one. Leave the oldest account open, because the longer your credit age is, the better it is for your credit rating. Your oldest accounts can increase your credit age –especially if you were able to build good credit on it. So, make sure that you charge at least a few dollars on it each year, and repay them, so that the credit bureaus will not drop it off from your credit file.

Closing a credit card, especially the oldest ones can affect not only your credit history but your credit utilisation as well. While you may want to clean up your credit file by closing all your credit card accounts, it may not be the best solution for you at the moment. What you may find more effective is to pay down your credit card balances little by little. It may be difficult to do especially if you are struggling in a mountain of debt, but closing them down all at once would seriously hurt your credit utilisation, which is an important factor in calculating your credit score.

But, does it mean that you shouldn’t close your credit cards at all? No. It is still wise to close credit cards with high annual fee that you find too difficult to pay for, considering your financial situation. But before you cancel any account, make sure that you still have the right credit mix, and you keep your oldest active credit accounts.

Applying for Debt settlement or Bankruptcy too soon -

If you’re overwhelmed with debts, the first thing that you can do is to request for your credit report and do your best to clean it up. Looking at your credit report can help you spot some negative listings that are damaging your credit file. Perhaps these debts should not be there in the first place. Once you are able to give your credit file a makeover with the help of a credit restoration service, you can look for alternative loans that carry low interest and use them to pay off your high-cost debts.

Leaving your debts unpaid until they are sent to collections or until the company agreed to a debt settlement could ruin your credit score. While you can pay those accounts in full, or settle them by paying back a certain percentage instead of its full amount, the creditors will be careful, in lending money to you in the future.
But it’s worst when it comes to bankruptcy. It is a long and difficult road because while it discharges your unsecured debts, the record remains up to ten years. All throughout that period, lenders may not be so interested in approving your loan applications.

Learn more about your credit report today!
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How to Evaluate Your Personal Credit History before Getting a Business Loan

In order to have your business loan request accepted, you will need to present a lot of papers that show your financial situation, past and ongoing transactions and much more. The lenders who agree to offer business loans without any documents are an extremely rare breed, and for a good reason.

There is a lot of money involved in business loans, so the lender must know whether you can repay or not. In this article, we will see how you can evaluate your personal credit history to see if you’re eligible for a business loan.

The First Thing to Do

Before looking for business loans, you will need to check your credit history. To do so, you will have to contact a credit reporting company. You are entitled to one free copy every year so make the most out of it. Once you got the file or the copy, then the real work begins.

In the case in which you’re not familiar with the financial domain, you should know that you are free to request guidance from the employees of your bank.

Check the Situation

Business loans have no restrictions as long as you didn’t default on a loan or have bad credit. So now that you have your credit file, you must see whether you have good credit or bad. Defaults, unpaid loans, loans that you didn’t pay on time, errors, etc. - all these can affect your future loans.

If you do have any of those above, ask yourself: what would be the quickest way for me to rebuild my credit score so I can get my loan? See what method would work best for you, based on the urgency of your financial needs.

If you’ve never had a loan before but a default appears on your credit file, then something’s wrong (the errors, of course). Contact your bank/provider (if you did have a loan) and clear out the situation.

How to Prepare Your Credit File?

If you have bad credit, there are certain things you can do to be eligible for business loans. The first thing you should do is check if the information on your credit file is correct. So, you are looking for errors. Everything that simply doesn’t add up should warrant your attention.

These errors could be related to your personal information or debts that you have no connection with. Your job is to go to an institution that updates your credit file and inform them that there are some errors in your file. They will eliminate any mistake without charging you a penny. Obviously, you’ll have to prove that you are not connected with those errors in any way.

Another thing that you can do to boost your credit is to repay your debts, as much as you can. You can start with the little ones and then focus on those that have high interest. The idea is to minimise the negative impact as much as you can so you will have a better chance of getting conventional business loans.

You can also go to a credit repair centre where you can remove some defaults. It can be costly and will take some time, but any improvement on your credit history can help you in the long run. The quicker you repair it, the better. Having bad credit not only delays the process of getting a new business loan, but it might actually destroy your chances of getting it altogether.

Do the Last Check-Up

Check if your personal information is correct. See if the address and driver’s licence number are correct. Also, if you have a company, make sure that all the details about it are in order as well. Don’t even think to tamper with the information enclosed in your listings. You could end up in court, or worse.

Also, see if your loans, credit, and defaults are all correct. Some defaults could appear due to human error, so keep that in mind. The repayment history should also be present as well as bankruptcies, debt agreements, court judgments, etc. If your credit file is peerless, then you’ll definitely get the business loans you’re looking for. Subsequently, you will be able to improve your company and repay the money you’ve borrowed to make it work.


Having a clean credit history will improve your chances of getting business loans. For more information regarding these two factors, please visit our website: Here you’ll find valuable information in regards to credit listings, as well as guides on how to get out of seemingly endless debts.
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Should You Repair Your Credit on Your Own or Ask for Professional Help?

When you don’t fully comprehend finances, some things are best when left in the hands of professionals.

On that note, you may have hired a professional to manage your investments or prepare your taxes; however, should you choose a credit repair service if your credit history is putting you down or should you go down the DIY path? It is entirely up to you! But before you make a decision, here are some facts.

Inaccurate Credit Report: How to Fix That?

The primary goal of fixing your credit report is to raise your credit score to be able to get a loan. If your credit report doesn’t make you proud since it contains a bunch of incorrect listings, you should follow the next steps.

For starters, you should ask for an annual credit report – you can do that free of charge. After you get your credit reports, you should have a look at the information included there and see whether it is correct or not. According to official statistics, a considerable number of credit reports contain errors that imminently jeopardise credit scores.

So, make sure you carefully assess the correctness of the listings. If you find any discrepancies, you should collect relevant proof that demonstrates that the information isn’t correct.

Next, you should photocopy these documents and send them to the reporting bureau, accompanied by your detailed explanation. It is important to remember that you should never send the original documents since they must always remain in your possession. The explanation should include your name, address, and a statement that explains the reason why the listings aren’t accurate. It would be a good idea to send your letter by certified mail and choose “return receipt requested” to know when the company will receive it.

In 30 days tops, you should receive an answer from the credit company containing relevant information regarding your observations.

Should You Ask for Professional Help When It Comes to Credit Repair?

You can aim at solving some credit problems on your own, depending on their severity. Nonetheless, bear in mind that disputing errors could be time-consuming and your attempts could or couldn’t be successful. Additionally, dealing with credit bureaus requires some knowledge and negotiation skills.

So, if you want to maximise your success rate, you could always choose to get professional help. offers assistance to Aussies that are looking for reliable credit repair services. Our professionals are experienced in dealing with a wide range of problems, in order to get decent results. A legit credit repair company knows how to approach each problem, depending on the borrower and their background.

If you go to a credit repair service company, there are a few things you should know to help you stay away from any scams. First of all, make sure they provide a contract that contains all the required information, like the name of the company, the price of the offered services, when they will be fully completed and so on.

Furthermore, before you visit the credit repair company, you should know which credit repair services are legal and which are not. You may have seen ads on TV from such businesses that promised to remove bankruptcies and bad credit, or even to create a new credit identity for you. Well, neither of these services are legal or trustworthy.

One thing to note: you shouldn’t despair even though your credit isn’t the best. Your credit report continually changes with every financial decision you make.

In plain English, irrespective of your current bad credit situation, this doesn’t mean you’re doomed to live a life with bad credit. By trying to change your spending habits and becoming more financially responsible, you could make things change for the better.


On a final note, disputing the errors on your credit file can be confusing and time-consuming. Although you could attempt to do it yourself, if you don’t have a lot of time on your hands, it would be best to get the support of a credit repair company. These companies know the legislation by heart, which means they can determine the existence of regulation infringement when needed. Apart from that, since they have relations with lenders, the entire process could be hastened up.

However, if your negative information in the report is accurate, there is nothing you can do but wait and let some time pass. Some entries on your credit score will only be removed after five years. Also, if, by any chance, bankruptcy is recorded on your report, it will be eliminated after no less than ten years. So, be very careful with your finances and try to avoid bad credit as much as possible.
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How to Improve Your Chances of Having Your Credit Card Application Approved

Are you wondering how to get your credit card application approved? If you had any problems with this in the past, then keep on reading because we might offer the solutions you were looking for. Well, there are many methods that can help you get it. It’s not that hard if you think about it. After all, we are talking about a piece of plastic here. It shouldn’t be a complicated process if you’ve done everything correctly. So, pay attention to the details.

If you haven’t, well you can learn how to get your credit card application approved with our article. Let’s get started!

How to Get Your Credit Card Application Approved

• Before signing any contract, you should search for the best deal you can get and not rush into something that will do you more harm than good. Some lenders may have bigger fees than others without adding any benefits. Take your time reading the fine print, and if everything is right and meets the minimum requirements, you can sign the contract.

• But do some research before selecting a bank. Why? Waiting too long to give your final signature on the contract can make the lender believe that you are unsure of the whole situation and he will reject your application. It may sound unfair, but it is recommended that you do your homework before applying for this service. Thus, you’ll avoid making any misleading impressions on your lender.

• Get your documents ready and check them a few times for any mistakes that could ruin your chances of getting your application approved. When you are ready to enter your details on that contract, make sure that the information is correct and up to date. One minor mistake can get your credit card application rejected, and you will have to wait a long time before you can apply for another one.

• Do not apply for too many credit cards at once. If you do so, the applications will appear on your credit history. Take your time, find a bank that suits your needs and has requirements that you can meet, then apply to just one credit card. This will give you better chances than applying to 2 or 3 banks.

• Present a clean credit file. By clean we mean a credit file that has little to no bad credit. This means that you can manage your finances with ease and your income isn’t overshadowed by a mountain of expenses. Getting a credit card is like getting a loan; you don’t want to look like a high-risk for any lender.
• Find a co-signer. If you have bad credit, bringing a co-signer will increase your chances of getting that credit card application approved. Basically, you are assuring your lender that if you won’t be able to pay your debts, someone else will.

So if you ever wondered how to get your credit card application approved, that’s how you do it!

What You Shouldn’t Do

Don’t apply if you don’t meet the minimum requirements. If you get your credit card application rejected, don’t apply immediately for another one. If you do, it will show up in your credit file, and your lender will know that you have a desperate financial situation.

The right approach in this case would be to take some time, do your best to fill those gaps and postpone your next application until you meet all the minimum requirements. That’s how to get your credit card application approved.

If you don’t earn the minimum income, don’t bother getting a credit card. Also, don’t bother applying for a credit card if you are under eighteen years old or don’t have a stable job. If you have more expenses than what you earn, don’t even look at a new credit card. Your application won’t get far, and it will be rejected.

How to Improve Your Chances of Having the Application Approved

Eliminate as much of your debts as possible. If your salary is half of what you have to pay monthly in expenses, your lender will laugh at you. Remember, if your application doesn’t go through, don’t follow it up with another one. It will not pass. Rather than rushing to the bank to sign another application, it would be a better idea to save that chance for a better opportunity in the future.

Final Thoughts

We hope that this article has shed some light on the situation. This is how to get your credit card application approved. It isn't complicated, but please do your research before talking to any bank. If you have any further questions, you can contact our specialists at Clean Credit; we can help you with some more advice on how to improve your chances, along with tips on how to keep your credit clean. Call us now on 1300 015 210 or enquire with us for a free consultation here:
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