What exactly is Consumer credit?
Consumer debt and keeping control of your finances can be a challenge.
Consumer credit is a debt that an individual incurs when purchasing a service or goods.
This type of credit can include purchases made with credit cards, personal loans, or lines of credit.
How can we help?
Many of our clients who have come to us to fix their credit have fallen behind with their debts.
These are usually in the form of consumer credit and keeping control of your finances.
Due to divorce and illness many of us will fall behind with our repayments at some point.
How do I control my finances when I’m experiencing hardship?
At the point of financial hardship, it is vital that you keep control of your finances for all of your consumer credit accounts.
Many of our clients explain that when they were behind with repayments they felt embarrassed or ashamed to speak to their credit providers.
However, it is imperative that you speak to your credit providers as much as possible in relation to consumer credit and keeping control of your finances.
Consumer credit arrears can be managed via a temporary financial assistance package.
Credit providers have to offer financial assistance as an option for consumer credit debts.
Whilst this is being arranged, the other important factor is that the credit provider cannot list a black mark on your report.
These are also called an overdue listing or a default.
If you have had hardship with consumer credit and have bad credit, we can help you remove any unfair listings on your credit report.
We have helped hundreds of Australians with removing bad credit that has related to tough times with their consumer credit.
Whether it be credit cards, personal loans or even home loans.
Our success rate is over 95% with these cases and we offer a strict no win no fee policy for our clients.
How do I apply?
All we need is a copy of your credit report and 5 minutes of your time and we can let you know if we can help you fix your credit report.
If you’re unsure about consumer credit, it is best to speak to an accountant or financial adviser, for example a finance broker.