If you need help reading your reports we offer free credit report health checks / assessments.
We are now a licenced credit repair firm as well.
You can email a copy of your reports to us at sales@creditfixsolutions.com.au, or submit a contact form here
Our CEO Victoria Coster and her team of consultants will spend time with you over the phone to help you understand your report, understand your score, and give you ways how you can protect or improve your credit report and score.
I hope you are all well and safe!
Victoria Coster
CEO
Credit Fix Solutions | Credit Fix Lawyers
ACL Licence No: 531433 | AFCA Member # 82962
#creditrepair #creditrepairaustralia
This article is not deemed financial advice.
For finance tips please go to www.moneysmart.gov.au, or call the National Debt Helpline on 1800 007 007
What is our free eBook on credit reporting all about?
We hope you are all well and safe during these hard times.
We have a free eBook on credit reporting so that if you are struggling, you can at least find ways to protect your credit report and score until we get back to some sort of normal again!
Did you know there are now 3 different credit reporting agencies in Australia for your personal credit report and score?
Do you need help understanding your credit report or credit score?
We have the solution for you and it’s totally FREE!
Our CEO, Victoria Coster, has 20 years experience in the finance and credit repair sectors.
She has written an eBook on everything you need to know about your credit report!
Topics we cover in our eBook on credit reporting:
Understand your credit score
What is contained in your credit report
What is repayment history information
Where can you get a free copy of your credit report
Our credit score is a number that is used to determine the creditworthiness of an individual or company.
They are assigned by credit rating agencies, such as Experian, Equifax and Illion.
The calculations involve many factors and are difficult to understand.
What Is the Difference Between a Good, Fair, and Bad Credit Score?
The difference between a good and bad credit score is obvious.
A good credit score will allow you to get the best rates on loans, hire the right insurance, and be offered credit from the top lenders.
A bad credit score will only lead to rejection of your loan request or refinancing offer.
A fair credit score is somewhere in between those two extremes. It ranks in the middle of all three categories: it’s not as good as a strong one, but it’s not as bad as a weak one either.
Is There Anything Else I Can Do to Raise My Credit Score?
Save up to buy that designer handbag rather than using buy now pay later lenders
Close credit card accounts if you are not using them
Pay your bills on time
Conclusion: What’s Yours is Mine- Keep it Safe!
We need to be more aware of the dangers of the internet and protect ourselves from phishing, hacking, and other online scams.
Though there are some people who are starting to become more cautious about where they go and what they do online, there are many who aren’t aware that their information is being stolen just by browsing the web.
We need to start educating ourselves on how to better protect ourselves from these dangers if we want to have a future in an increasingly digital world.
Email us today for a free copy of our eBook on credit scores and credit reporting at sales@creditfixsolutions.com.au
We’re still offering credit repair Australia wide during lockdown!
With many of us in lockdown, we wanted to make sure you knew we are still operating as normal!
We offer credit repair Australia wide, and our work can all be completed over the phone and via email.
Thanks to TikTok, we’ve been having some fun creating short informative (and hopefully funny) videos.
I’ve popped one of our more recent TikTok videos at the end of this post BTW.
I know that we’re all a bit weary from lockdown, so I hope this gives you a laugh!
I think it’s important in life not to take yourself too seriously!
If you need any help with your credit reports, please get in touch.
And as I just mentioned before, we offer credit repair Australia wide.
We can remove unfair defaults, court actions, and any incorrect negative data.
For default and court action removals, all our fees are deferred and only payable if we are successful in removing the listing from your credit report.
In most cases, credit repair takes around 3 to 8 weeks.
We suggest speaking to a finance broker before you apply for finance as well.
In the meantime, here are 3 top tips to improve or maintain a good credit score*
*Subject to Credit Reporting Agency systems
Don’t enquire too many times (enquiries can lower your credit score)
Closing off credit cards could increase your score (as per Equifax)
Different enquiries carry different risks – think about saving up to buy things rather than using payday type Lenders
I sincerely hope that you and your families and businesses are all doing OK.
We know that COVID has dragged on and on, and we’ve been taking it one day at a time for what seems like forever!
I know that getting out for a walk and a bit of fresh air, and trying to get a good night’s sleep helps me!
If you’d like to check your personal credit report, you can get a free one from Equifax, Illion and Experian:
