Credit Blog

Credit Blog

Find out more about credit and how you can improve your financial situation to get the things you want out of life

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What is a credit enquiry?

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If you make an application for credit, it can be listed on your credit report as a 'credit enquiry'. Credit enquiries can have an impact on whether a lender accepts your application or not.

What is the role of a credit bureau?

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A credit bureau helps to support responsible lending and assists 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.

Choosing a credit card deal that works for you

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Thinking about applying for a credit card? It'll pay to choose the right deal for your needs and financial situation, not just the first one you come across.

Setting (and sticking to) a budget tailored to your needs

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Have you struggled to create a budget that you can stick to before? It's not about restricting yourself, it's about knowing where your money is going.

Get rid of credit card debt with these 5 simple steps

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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.

Why your credit history might be holding your life back

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Think you know everything about your partner's credit history? Think again. It could be holding you both back from taking the next step in your life together.

Could a poor credit report make it harder to buy a home?

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A good credit report is important for everything from business funding to mortgage lending. Could a bad credit report stop you from buying your first home?

Are mobile wallets the future of Australian credit payments?

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Australians have taken to contactless payment systems but not to mobile phone payment systems. What are they, and how could they affect your credit file?

The future of Australian lending

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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?

3 credit card mistakes that might be adding to your bill

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Is your credit card debt racking up faster than expected? You could be the victim of one of these three common card-bearer mistakes.

3 things you need to look out for with your new loan

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The world of lending can be an intensely complicated place, which is why it's so important to know how to keep your credit file safe.

How to keep your credit file healthy while moving home

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When moving home, an integral step is to make sure you are looking after your credit report. Follow this quick guide to remove potential problems down the line.

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