Your credit history and file is available throughout Australia. Fixing bad credit history is vital.
Applications for loans, having a credit card, or renting items such as a fridge or washing machine means you will have a credit file. Credit Agencies in Australia hold your debtor history record. It’s a key piece of information about you. The problem you face is it might be a bad credit history. So how can you repair it? Can it be repaired? Let us help and advise you.
Credit Agencies in Australia hold your debtor history record. It’s a key piece of information about you. The problem you face is it might be a bad credit history. So how can you repair it? Can it be repaired? Let us help and advise you.
So how can you repair bad credit history? Can it be repaired? Let us help and advise you.
Fixing a bad credit file is a method of countering mistaken claims on your file. Lenders provide the information but they may not have adhered to legislation. Therefore, the first action is to check your credit file. You can get it online or by post. Every Australian has the right to receive a copy of their credit file – FREE.
Get in touch with people who can advise and help
When you look at your file, see where the problems become visible. Banks, credit card companies and other credit providers who provide the information, can and do make mistakes. So check your file carefully and regularly.
Checking your file also protects you against identity theft. Somebody might be applying for loans or credit in your name. Just moving home could give you a bad credit file. The file will show all new accounts.
The next move is to get specialist help. Capital Debt Solutions have been successfully helping Australians for many years and we can probably help you. Contact is simple – Click here to message us or call us now on 1300 107 155 or 07 5474 4450.
If you have been suckered into a credit loan, which is unsustainable, or have debt collectors chasing you, the sooner you contact us the better.
Contact will bring help to you and assurance to your family. Your family may be affected more than you think, so act swiftly. A bad credit history affects your future. Bad credit might even involve essential items for family life like an electricity account with a new supplier. Do not suffer in silence when help is available so easily.
Take action on disputed credit records
Your credit file will contain records of overdue payments of 60 days or more. Lenders send letters about the default. Sometimes, people just ignore them. But your credit file lists them, so do not ignore them. When you contact Capital Debt Solutions, give us these letters as we can act on them. Equally, pass any letters from debt collectors to your debt solution specialist. It is part of the way to fix bad credit.
Listen and learn
Capital Debt Solutions are specialists in debt resolution. If you have had a loan rejected or a rental agreement turned down, it is time to contact us.
Click here to message us or call us now on 1300 107 155 or 07 5474 4450. Jointly, we work out a plan, which will suit your financial circumstances. We know who to speak to on your behalf and what to say. Important facts when fixing bad credit history.
For instance, you might be able to consolidate loans. Perhaps switch high interest credit to a lower rate with a new lender. But beware as well. Not all credit repair companies are ethical. The history and reputation of Capital Debt Solutions is recognised nationwide. We are ethical, independent, trusted and recommended. Therefore, you are in safe hands.
Cleaning up your bad credit history
Effective repair of bad credit history needs a joint effort – you and Capital Debt Solutions. Take advantage of their experience, knowledge and ability. There is no guarantee we can restore your credit rating, as every case and reason is different. However, many Australians benefit every month.
A method suggested by a major Australian Bank is to increase the credit you use, but make all the payments on time. They reason that this new credit will outweigh the old and improve your rating. However, the old problems remain. Capital Debt Solutions deal with the cause and effect of debt. The sole aim is to clean up your credit history and repair your bad credit listing. It is probably your objective as well – to get it fixed.
Get in touch with us – today.
Talk to a debt solutions specialist at Capital Debt Solutions today, who will work with you and your creditors to get you back on track and build a brighter financial future.
Ethical, independent, trusted and recommended by Australians for Australians.