• What Footprint Have You Left on Your Credit File?
  

  If you intend to apply for any kind of credit, the bank or lender will review a copy of your credit file before they make their decision. This gives them a glimpse of your credit history and tells them what kind of client you’re likely to be based on your past financial behaviour.

• How to Fix Your Bad Credit Record and Repair Your Credit Rating
  

  Leaving a bad credit record or credit rating is not recommended as it adversely affects your ability of getting approved for any future important applications you make in the future. It is your right to repair your bad credit record or credit history so here are several things you can do to help you turn your bad credit record around and make your life easier.

• Veda Advantage Provides What You Need to Know About Your Credit Files
  

  Your credit file is very important when it comes to applying for credit. In Australia, credit files are maintained by Veda Advantage. Read on to learn more about credit files and what you need to know about them.

• Important things to know on your Credit report
  

  Your credit report stands between you and your financial future. It is important to know what information is present in these documents and what has to be done if they are incorrect. Read on for more information about credit reports and why you should check them in detail.

• Top 10 Questions and Answers about Credit Cards
  

  This article addresses 10 commonly asked questions about credit cards, identifying some need-to-know bits of information that will make you a more credit-savvy consumer.

• Bad Credit – Credit Cards Guide
  

  What are these so-called bad credit cards? Find out about the different types and how they can help you get out of a bad credit rating.

• What Exactly Is A Debt Agreement?
  

  Avoiding bankruptcy using ‘debt agreement’ is something you may need to negotiate with your creditors one day. Although this is a worst case scenario it doesn’t hurt to have the knowledge so you can be prepared for the worst. Provided is a guide on how to use ‘debt agreement’ as a solution to avoid being declared bankrupt.

• How To Make A Consumer Credit Insurance Claim
  

  Are you struggling to make repayments on your credit card due to unpredictable circumstances such as unemployment, illness, an accident etc? If so then you have the right to make a credit insurance claim with your credit card issuer. Provider here is a procedure you can follow to get approved for a credit insurance claim.

• Common Causes for Financial Crisis
  

  A financial crisis is something you can prevent you and your family going through. It requires you to be prepared for the events or contributions that lead up to a financial crisis. This article will help you consider these.

• Credit Reports: How Do Credit Reports Work?
  

  Your credit report is something you need to understand as it affects your approval for personal loans such as home loans. Outlined are the 3 main areas that lenders look at before approving you for a loan. Read and find out more about credit reports in this article.

• What Is Bankruptcy?
  

  Many people fear the word bankruptcy and even though you are most likely not going to find yourself in this situation it is important that you understand exactly what is means and how it can affect you. This article explains all about bankruptcy.

• How To Get Around Minimum Purchase Amount Requirements To Pay Via Credit Card
  

  Have you ever been rejected by a store because of a minimum purchase amount requirement for your credit card? If so this article will advise you on the best way to handle this situation and all the tricks to get around it.

• Financial Hardship – Many Australians Are Experiencing Financial Hardship
  

  Financial hardship is being experienced by more and more Australians according to a recent report in The Australian newspaper. The increase in Australians experiencing financial hardship is without a doubt as a result of the global financial crisis.

• Credit Cards And Bad Credit
  

  Having a bad credit history doesn’t necessarily mean you will forever be denied from applying for a credit card. It is important to begin to build back your credit score, and learn how to split credit cards and bad credit apart to ensure you have the best possible credit rating.

• Financial Hardship And What To Do About It
  

  Financial hardship is when a debtor or person cannot afford to make repayments on a credit contract, and the individual may seek to adjust repayment terms and arrangements on the grounds of experiencing hardship. Read our guide to see the options available to you if you feel you are experiencing financial hardship

• Bankruptcy: Staying Afloat By Hanging On To What You Have
  

  Bankruptcy is becoming a bigger issue as the impact of the global financial crisis is catching up with Australian businesses. This report looks in to the impact, the consequences of declaring bankruptcy, and some ways to handle the bankruptcy situation.

• Understanding your Credit File
  

  The Credit Card Finder® team have put together the ultimate guide to your credit file, helping you understand every aspect of a credit report, what your credit score actually means, and steps you can take to make corrections to your credit file.

• Managing your Credit Rating
  

  It is easy to attain a copy of your credit report which will give you information on your credit score… but what do you do once you have this information? We have put together a guide to managing your credit rating and improving your credit score which will give you a better understanding of how your credit rating works.

• Credit Options If You Have A Bad Credit Rating
  

  If you have a bad credit rating there are still lending options for you. Some of the banks provide options for bad credit cards. The first and foremost is that you understand exactly what bad credit is, and how to check your credit file for any potential problems.

• Credit Ratings: What is ‘Bad Credit’ and ‘Good Credit’?
  

  Our credit files gives banks an indication of whether or not we meet their lending criteria when applying for any new credit.

  
  

  But what exactly is the difference between ‘bad credit’ and ‘good credit’, how can we improve our credit file, and where can we even view it?

  
  

  Find out everything you need to know in our guide to Australian credit ratings.

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