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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Are you doing credit card management all wrong?

/ personal finance

Whether you need to fund an overseas trip, renovate your property, pay for school fees or just make ends meet, you’ll probably need to sign up for a credit card at some point in your life (if you haven’t already). 

What is a credit enquiry?

/ credit basics credit report

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?

/ credit basics credit report credit score personal finance

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.

Saving for your wedding with a bad credit report

/ credit report credit repair personal finance

Are you trying to save for a wedding but finding it tough due to bad debts hanging over your head? It'll pay to sort your finances before you set a date for the big day.

Choosing a credit card deal that works for you

/ credit basics credit report personal finance

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

/ credit basics credit repair personal finance

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.

The unexpected factors that can affect your credit history

/ credit report credit score credit repair

Do you know what information can be included on a 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

/ credit basics credit report credit score

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

/ credit basics credit report credit score

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?

/ credit basics credit report credit repair

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?

/ credit basics credit report fraud & identity

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?

3 tips for paying off multiple credit card debts

/ credit score

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.

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