At Fix Bad Credit we are passionate about helping everyday Australians to improve their credit and debt situations. We work to help you:
For this reason, we offer a FREE NO OBLIGATION CONFIDENTIAL credit review of your unique financial situation.
Fix Bad Credit’s credit review includes:
1. One of our Credit Experts will get in touch for a confidential chat to better understand your current financial situation, your financial goals and any concerns you have with your history of managing bills and repaying any credit you may have had.
2. With your permission, we then order copies of your credit reports on your behalf, at no cost, from the three main Credit Reporting Agencies in Australia:
3. Once we have received your credit reports, your personal Credit Expert then reviews them, along with your credit score, to identify any issues or concerns.
Your personal Credit Expert will then be back in touch to take you through the issues that are affecting your credit, providing a FREE ASSESSMENT of your current credit situation, including your credit report, and a range of options for improving your credit, addressing any debt you may have and get you back in control of your financial situation. By the end of our credit assessment process, you will understand exactly what can be done to improve your credit, stop worrying about those never-ending bills and get rid of those pesky creditors and
debt collectors.
Your credit report contains information on your history of managing credit. Along with your personal details, this can include a record of:
As you can imagine, everyone’s credit history is different, and likewise, no two credit reports are the same. Fix Bad Credit’s assessment specifically targets those issues that are impacting you and your credit. Listed below are just some of the many factors that may be affecting your credit reputation that we will review and assess.
Your personal credit expert will closely review all the personal information in your credit report to ensure it matches with what you have told us. For example, forgetting to advise creditors when you change your name is one of the most common reasons for inaccuracies or mistakes on credit reports.
Errors can end up on your credit report and are items that are simply inaccurate. This can happen from data entry mistakes or even identity theft. If found Fix Bad Credit can arrange for them to be corrected on your behalf.
Errors can end up on your credit report and are items that are simply inaccurate. This can happen from data entry mistakes or even identity theft. If found Fix Bad Credit can arrange for them to be corrected on your behalf.
Late and missed payments on loans and credit cards are recorded on your credit report for two years.
Credit defaults, which is when you fail to repay a debt, it can remain on your report for five years. A clear out is where you fail to repay a debt and the creditor subsequently can’t contact you. A clear out will remain on your report for seven years.
A debt agreement is a formal arrangement between you and your creditors when you are unable to pay back the money you owe. It can remain on your report for five
If you borrow money from a lender and fail to pay it back, they can sue you for an unpaid debt. If you lose, the court will enter a judgement that will appear on your credit report. Court judgements can remain on your credit report for five years and can impact your ability to obtain credit.
Bankruptcy is listed on your credit report for two years from the date your bankruptcy finishes, or five years from the date you were declared bankrupt. In some cases, it can stay on your report for even longer.
As you can see, there are a lot of factors that might be affecting your credit reputation. Your personal Fix Bad Credit Credit Expert will review your report for the above issues, taking into consideration your personal financial situation and financial goals. They will then provide an assessment of what exactly is affecting your credit, identifying the options you can take for improving your credit reputation, addressing any debt you may have and getting you back in control of your financial situation.
Get your free credit assessment and consultation with our experienced team. You’ll receive tailored recommendations at no cost and with no obligation.