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

Are you getting the most out of your credit card rewards?

/ personal finance

Some credit cards offer generous rewards schemes, but are you taking advantage of the best deals? Find out how to get the most out of your card.

What should you do if you're rejected for a credit application?

/ credit report personal finance

Have you ever been rejected from a credit application because of your credit history? It might help to know exactly what is listed on your credit report.

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 the role of a credit bureau?

/ credit basics credit report credit score personal finance

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.

How can you keep up with mortgage payments and fix your credit report?

/ credit repair personal finance

Keeping your mortgage payments on track is important for your financial stability, but what can happen if you don't? How can you manage your money accordingly?

How did you get into bad debt?

/ credit repair personal finance

You can accrue debts without even realising. What strategies can help you to ensure you're in full control of your finances, and help you to repay old debts?

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.

How to save for your children's education

/ credit report personal finance

Thinking about starting a family? You'll want a solid savings account so you can allow your children to flourish in their education.

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.

Are Australians getting smarter about credit?

/ personal finance

New research has indicated that Australians are paying off their credit cards faster than they are accruing in new transactions.

Are you in control of your money?

/ credit report credit score personal finance

The most recent wave of results from the ASIC financial behaviour tracker has some interesting revelations: Is Australia dealing with its financial situation?

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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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