16-25 and “drowning in debt” Your guide to make credit work for you.

2017-09-05T05:25:08+00:00

In the news this week, we are told that the 16 to 25 age group are getting way over their heads with debt in relation to income. A News Limited story yesterday  reveals that this age group carry a much higher proportion of debt to income.  This is a worrying trend – and one that can [...]

16-25 and “drowning in debt” Your guide to make credit work for you. 2017-09-05T05:25:08+00:00

End of financial year an important time for your credit file.

2017-09-05T05:25:08+00:00

Media Release End of financial year an important time for your credit file. 16 July 2013 As the saying goes....there are two certainties in this world - death and taxes. But there is another certainty in Australia. If you have ever taken out or applied for credit, you will have a 'credit file' in your [...]

End of financial year an important time for your credit file. 2017-09-05T05:25:08+00:00

Payday lending: why it’s all about to change

2017-09-05T05:25:08+00:00

The number of payday lenders is about to shrink due to new regulations, according to  Paid International (formerly First Stop Money). Is this a good thing for those people on the fringe? We look at what the changes are, how they will impact borrowers and those people who don’t have access to mainstream credit due [...]

Payday lending: why it’s all about to change 2017-09-05T05:25:08+00:00

Your Credit Rating – How to Get a Free Credit Check and What to Do if Your Credit Report Comes Back with Defaults

2017-09-05T05:25:08+00:00

We recently read a comprehensive article on getting a free copy of your credit report written by Alex Wilson over at online savings website – www.Savingsguide.com.au. From the long list of comments on this issue, we can see just how many people in Australia still remain in the dark about how to even [...]

Your Credit Rating – How to Get a Free Credit Check and What to Do if Your Credit Report Comes Back with Defaults 2017-09-05T05:25:08+00:00

Help to reduce your risk of identity theft

2017-09-05T05:25:08+00:00

“Identity is one of our most valuable assets – if it is stolen, the stress and financial costs can last for years," says Attorney-General Mark Dreyfus QC. According to the Attorney-General, identity theft is currently at 7% and rising (up from 5 per cent in the previous year)* – and so a new booklet has [...]

Help to reduce your risk of identity theft 2017-09-05T05:25:08+00:00

Access to credit will fall with introduction of new credit reporting data – and it’s being collected now

2017-09-05T05:25:08+00:00

Press Release Access to credit will fall with introduction of new credit reporting data – and it’s being collected now. 27 June 2013 Credit numbers are expected to decline when more data is reported about Australian credit habits in March next year, and a consumer advocate for accurate credit reporting warns, some simple mistakes may [...]

Access to credit will fall with introduction of new credit reporting data – and it’s being collected now 2017-09-05T05:25:08+00:00

Go for broke – but only as a last resort

2017-09-05T05:25:08+00:00

If you are on the cusp of bankruptcy, one of the most important things you can have is great advice. Yesterday I was featured in a Sydney Morning Herald article about going bankrupt. This was a lengthy article on the process of bankruptcy, the statistics in Australia, and some of the repercussions of bankruptcy - [...]

Go for broke – but only as a last resort 2017-09-05T05:25:08+00:00

Young people falling into the credit trap.

2017-09-05T05:25:09+00:00

Media Release Young people falling into the credit trap. 20 June 2013 A recent national survey revealing a higher rate of financial exclusion amongst 18-24 year olds shows young people are in dire need of more financial education to act as a buffer against the current economic difficulties, according to a consumer credit advocate. MyCRA [...]

Young people falling into the credit trap. 2017-09-05T05:25:09+00:00

Update on mandatory data breach notification laws

2017-09-05T05:25:09+00:00

The long-awaited amendments to the Privacy Act 1988 making reporting of serious data breaches mandatory, has been passed in the House of Representatives and had its second reading in the Senate yesterday. We  cover what this Bill will mean if it is passed, and what it means for your credit file. By Graham Doessel, Founder [...]

Update on mandatory data breach notification laws 2017-09-05T05:25:09+00:00

Banks encouraged to lift their standards around guarantor education.

2017-09-05T05:25:09+00:00

Guaranteed loans – they’ve become more prevalent as house prices rise, and as access to business credit changes – but this type of loan can come with significant risk depending on how it's set up. It often requires a savvy, credit-educated person to sign on the dotted line to take on a guaranteed loan. But this isn’t always the [...]

Banks encouraged to lift their standards around guarantor education. 2017-09-05T05:25:09+00:00
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