Credit Repair
1300 855 299
For more information about CREDIT REPAIR / WHAT WE DO / HOW BAD CREDIT AFFECTS YOU / BENEFITS OF CREDIT REPAIR / DISCLAIMER
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- If you are trying to refinance or get a loan and can’t because there are listing on your credit file you need to speak with Credit Repair Options Immediately. Credit Repair Options can give you the options available to you to repair your credit file and remove any of the following entries:
- Overdue accounts
- Defaults
- Court listings
- Judgments
- Clear Outs
- Crossed or linked files
- Multiple identities
- Bankruptcies
CREDIT REPAIR
Credit Repair is the removal of unfair, disputable & contestable listings from credit reports.
When you apply for any type of credit your credit report is almost always checked. Your credit report is a basic history of your past financial activity and is one of the main factors in determining whether or not you get approved.
A credit report generally contains information such as; addresses, employment history, current employment, credit applications, defaults (overdue accounts), court judgments, clear-outs, crossed or linked files, name changes and bankruptcies etc.
When you make these enquiries or applications for credit, even a mobile phone on a contract or apply for an interest free store offer, chances are your details have been given to a credit reporting agency.
Some credit providers and credit reporting agencies may deny it but these unfair, disputable and contestable listings do happen, and they may be legally removed.
The benefits of credit repair include:
Unfair, disputable and contestable information that can be removed from your credit report includes:
There are many myths about credit reports and credit ratings so here are some facts that you may not know:
Most information on your credit report has the ability to harm your chances of getting approved. This same information can also determine the interest rates you pay and the fees that your bank or financial institution charges you. By repairing your credit you can experience savings of thousands of dollars every year.People who have a bad credit rating are disadvantaged when it comes to credit. Many people consider their disadvantage unfair as they are continuously declined for home loans, personal loans, car loans, credit cards and even phone contracts.
However, even if you are somehow approved it is likely that you will be paying thousands of dollars extra in interest payments every year.
If you are a finance broker and would like to refer a client or would like to learn more about our referral program please call DEBT OPTIONS today
CREDIT REPAIR OPTIONS offers a free consultation service to anyone who meets our initial criteria. This consultation may include:
When you apply for any type of credit your credit report is almost always checked. Your credit report is a basic history of your past financial activity and is one of the main factors in determining whether or not you get approved.
A credit report generally contains information such as; addresses, employment history, current employment, credit applications, defaults (overdue accounts), court judgments, clear-outs, crossed or linked files, name changes and bankruptcies etc.
When you make these enquiries or applications for credit, even a mobile phone on a contract or apply for an interest free store offer, chances are your details have been given to a credit reporting agency.
Some credit providers and credit reporting agencies may deny it but these unfair, disputable and contestable listings do happen, and they may be legally removed.
The benefits of credit repair include:
- Removing negative listings can result in instant approval
- Reducing interest rates
- Reducing upfront and ongoing fees
- Reducing repayments
- Saving thousands
Unfair, disputable and contestable information that can be removed from your credit report includes:
- Overdue accounts
- Defaults
- Court listings
- Judgments
- Clearouts
- Crossed or linked files
- Multiple identities
- Bankruptcies
There are many myths about credit reports and credit ratings so here are some facts that you may not know:
- Many people believe that they can improve their credit rating by borrowing small amounts, obtaining small or low interest credit cards or even paying back debt. This is very rarely the case, as Australia is one of the few countries in the world that follows a negative credit reporting system.
- The Australian system only records negative events, so there is no “good credit” to balance out the bad
- When you pay a debt, the negative credit listing doesn't disappear.
- A paid listing is not much better than an unpaid one. This is not always the case, but in most circumstances, you will not get much further by paying the old debt.
- Most credit providers use computers to determine whether or not you get approved, and/or your interest rate, with limited human input.
- Credit providers can reject you if you have even the smallest blemish, even a missed phone bill can stop you getting a loan or increase your monthly repayment.
Most information on your credit report has the ability to harm your chances of getting approved. This same information can also determine the interest rates you pay and the fees that your bank or financial institution charges you. By repairing your credit you can experience savings of thousands of dollars every year.People who have a bad credit rating are disadvantaged when it comes to credit. Many people consider their disadvantage unfair as they are continuously declined for home loans, personal loans, car loans, credit cards and even phone contracts.
However, even if you are somehow approved it is likely that you will be paying thousands of dollars extra in interest payments every year.
- Getting instant approval.
- Reducing interest rates on current loans and credit cards.
- Getting lower interest rates on new loans and credit cards.
- Reducing upfront and ongoing fees.
- Reducing repayments.
- Saving thousands of dollars a year in unnecessary payments. Improving the accuracy of your personal information.
If you are a finance broker and would like to refer a client or would like to learn more about our referral program please call DEBT OPTIONS today
CREDIT REPAIR OPTIONS offers a free consultation service to anyone who meets our initial criteria. This consultation may include:
- Assessment and explanation of the information listed on your credit report.
- An overview of possible contestable, disputable or unfair reasons for items listed on your credit report.
WHAT WE DO
- Credit Repair Options are specialists in Credit Repair.
- We will analyse your credit report and inform you what can be done to improve your credit file and allow you to get your life back.
- Once we determine what we believe to be contestable you can get on the track to better credit.
- We will apply our experience to your file before you pay any money.
- Never pay a fee upfront for credit repair without your file being assessed.
- If we believe you have a case you can be sure you have the best chance of recovering your good credit rating.
- We will look at removing:
- Overdue accounts
- Defaults
- Court listings
- Judgments
- Clear outs
- Crossed or linked files
- Multiple identities
HOW BAD CREDIT CAN AFFECT YOU
There are many myths about credit reports and credit ratings so here are some facts that you may not know:
Many people believe that they can improve their credit rating by borrowing small amounts, obtaining small or low interest credit cards or even paying back debt. This is very rarely the case, as Australia is one of the few countries in the world that follows a negative credit reporting system.
The Australian system only records negative events, so there is no “good credit” to balance out the bad
When you pay a debt, the negative credit listing doesn't disappear.
A paid listing is not much better than an unpaid one. This is not always the case, but in most circumstances, you will not get much further by paying the old debt.
Most credit providers use computers to determine whether or not you get approved, and/or your interest rate, with limited human input.
Credit providers can reject you if you have even the smallest blemish, even a missed phone bill can stop you getting a loan or increase your monthly repayment.
Most information on your credit report has the ability to harm your chances of getting approved. This same information can also determine the interest rates you pay and the fees that your bank or financial institution charges you. By repairing your credit you can experience savings of thousands of dollars every year.
People who have a bad credit rating are disadvantaged when it comes to credit. Many people consider their disadvantage unfair as they are continuously declined for home loans, personal loans, car loans, credit cards and even phone contracts.
However, even if you are somehow approved it is likely that you will be paying thousands of dollars extra in interest payments every year. There are many reasons people choose to repair their credit. Some of these reasons include:
Many people believe that they can improve their credit rating by borrowing small amounts, obtaining small or low interest credit cards or even paying back debt. This is very rarely the case, as Australia is one of the few countries in the world that follows a negative credit reporting system.
The Australian system only records negative events, so there is no “good credit” to balance out the bad
When you pay a debt, the negative credit listing doesn't disappear.
A paid listing is not much better than an unpaid one. This is not always the case, but in most circumstances, you will not get much further by paying the old debt.
Most credit providers use computers to determine whether or not you get approved, and/or your interest rate, with limited human input.
Credit providers can reject you if you have even the smallest blemish, even a missed phone bill can stop you getting a loan or increase your monthly repayment.
Most information on your credit report has the ability to harm your chances of getting approved. This same information can also determine the interest rates you pay and the fees that your bank or financial institution charges you. By repairing your credit you can experience savings of thousands of dollars every year.
People who have a bad credit rating are disadvantaged when it comes to credit. Many people consider their disadvantage unfair as they are continuously declined for home loans, personal loans, car loans, credit cards and even phone contracts.
However, even if you are somehow approved it is likely that you will be paying thousands of dollars extra in interest payments every year. There are many reasons people choose to repair their credit. Some of these reasons include:
- Getting instant approval.
- Reducing interest rates on current loans and credit cards.
- Getting lower interest rates on new loans and credit cards.
- Reducing upfront and ongoing fees.
- Reducing repayments.
- Saving thousands of dollars a year in unnecessary payments. Improving the accuracy of your personal information.
BENEFITS OF CREDIT REPAIR
There are many reasons people choose to repair their credit. Some of these reasons include:
Saving thousands of dollars a year in unnecessary payments. Improving the accuracy of your personal information.Unfair, disputable and contestable information that can be removed from your credit report include:
When you make enquiries or applications for credit, even a mobile phone on a contract, or an interest free store offer, chances are your details have been given to a credit reporting agency. These details, and record of non payment will help make up your credit rating.
- Getting instant approval.
- Reducing interest rates on current loans and credit cards.
- Getting lower interest rates on new loans and credit cards.
- Reducing upfront and ongoing fees.
- Reducing repayments.
Saving thousands of dollars a year in unnecessary payments. Improving the accuracy of your personal information.Unfair, disputable and contestable information that can be removed from your credit report include:
- Overdue accounts
- Defaults
- Court listings
- Judgments
- Clearouts
- Crossed or linked files
- Multiple identities
When you make enquiries or applications for credit, even a mobile phone on a contract, or an interest free store offer, chances are your details have been given to a credit reporting agency. These details, and record of non payment will help make up your credit rating.
DISCLAIMER
Please note we are not finance brokers and are not offering any type of finance product. We are Credit Repair ConsultantsIf you require the services of a finance broker we are happy to refer you to one.