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

Celebrating a Valentine's Day that's low in cost but has plenty of heart - Part 2

In the second part of this series, we look at more Valentine's Day ideas. See how you can show your love without burning through credit cards.

Celebrating a Valentine's Day that's low in cost but has plenty of heart - Part 1

Want to create a special Valentine's Day on a budget? Try a few of these tips that are both easy on the wallet and high in sentiment.

Creating a realistic budget: Part 1

/ personal finance credit basics

Want to kick start your budgeting journey, but don't know how? Come and take a look as we break down the process into simple steps.

Creating a realistic budget: Part 2

/ personal finance credit basics

In part two of our budget-planning series, we examine how to cut costs where possible and how to execute a plan of action.

3 reasons to invest in property if you have credit issues

Investing in property is extremely popular among Aussies. See how you can benefit from it if your credit file isn't up to scratch.

How rearranging your debt could help you manage it

/ personal finance credit basics

Want to find a way to better manage your debt repayments? Why not try to refinance your loan or even consolidate all your debts.

Saving tips for 2016

/ personal finance

Many Australians aim to save, but not many people do. Here are a few simple tips that can help you along your saving journey.

What will you find on your credit file?

/ credit basics credit report credit score

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

/ credit basics credit report credit score credit repair personal finance

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.

Understanding credit card fees

/ personal finance

Do your research carefully before signing up for your new credit card to understand any additional fees and charges, as well as your repayment responsibility.

Making your repayments on time

/ credit basics credit report credit score personal finance

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.

Is it worth getting a credit card for the rewards?

/ personal finance

One of the methods banks can use to increase the use of their financial products such as credit cards is association with a rewards scheme. Can you benefit without your debt stacking up?

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An individual has the right to obtain a free copy of their credit file either personally or through an Authorised Access Seeker in the follow circumstances:

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If an individual does not meet the criteria, a once-off Equifax credit report is currently available for free.

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