What did Australians spend last Christmas?
Do you know exactly how much money you spent at Christmas, and what it was on? Australians spent a lot on their credit cards, but should you?
What is the role of a credit bureau?
A credit bureau helps to support responsible lending and can assist consumers in understanding where they stand with their credit. Operating under the Privacy Act, a credit bureau collects, holds, uses and discloses personal and credit-related information about individuals and companies.
The unexpected factors that can affect your credit history
Do you know what information can be included in an Equifax credit score? There's more on that report than you might have thought. Is it affecting you?
Get rid of credit card debt with these 5 simple steps
Finding out the balance of your credit cards can be crushing, but it's not the hard part. Paying it off can be made a lot easier with these tips, however.
3 tips for paying off multiple credit card debts
Having multiple credit cards brings many benefits, but it also presents drawbacks. What happens if you start accumulating debts? Make sure you have a plan ready.
Are you in control of your money?
The most recent wave of results from the ASIC financial behaviour tracker has some interesting revelations: Is Australia dealing with its financial situation?
The future of Australian lending
The face of lending in Australia is changing. Could your credit file now be the most important document to help you get a better deal?
What will you find on your credit file?
Not sure how to improve your credit score? Why not get a copy of your credit report.
What to do if you have been declined credit
If you have been declined credit it can be a frustrating experience. Here are three simple steps you can take to find out why and to make improvements to apply in the future.
Making your repayments on time
While the idea of putting through payments each month might not seem like such a big deal, credit can become a burden should you begin to fall behind.
What is a credit bureau?
If you are thinking about applying for credit it's important to understand what is on your credit report. It is what lenders can look at as part of the credit assessment process.
Understanding the new credit reporting system
Comprehensive credit reporting changes mean consumer credit reports can now include ‘positive’ credit information such as if you make your credit card and loan repayments on time. Previously personal credit files could only hold ‘negative’ information like credit enquiries (applications) and defaults.