CREDIT FILE REPAIR TIPS FOR FIXING YOUR BAD CREDIT RATING

Bad Credit Repair Australia

Are you trying to fix your credit rating ? If you are seeking assistance in repairing your credit rating there are a few basics you will need to have at hand in order to make the task of exploring options easier for you and those you enquire with.

Initial enquiries are best made when you have a current copy of your credit file at hand. You can obtain your credit file online, or if you already have a copy make sure it is in a “soft format” which can be emailed.

Make sure you only forward your credit file to a reputable credit repair business. Steer clear of any online company who does not openly display their location on their website.

Any reputable credit repairer will need to ask you questions regarding your credit file before they can give you an answer regarding the chances of fixing credit files. No one can give you an honest answer straight over the phone without reviewing your file unless there are obvious circumstances which does not happen often.

Be open and honest when answering questions regarding the circumstances behind a debt being incurred. A good credit repair company will not pass this onto anyone else, but rather use it to their advantage when and if they help you.

Shop around and compare quotes and services. It is your right as a consumer to get the best possible quotes and advice. Make sure you choose a service provider who charges little upfront and most after completion as this indicates they are confident in their ability and will improve your chances of getting positive results.

Never allow anyone to presure you into accepting their service. No one should ever make you feel presured and it is a very good indication that they are trying to scam you if this happens.

Finally don’t rush. Credit files do not get cleared up over night or in a couple of days. To get a good job done takes a little time.

Credit repair may be referred to as fix credit file, credit fix, bad credit repair, repair bad credit or fix credit rating but in the end the service is the same.

Can I fix my credit file ? / credit repair myself ?

Bad Credit Repair Australia

The short answer is yes however you will need help or advice at some stage in the process.

Expecting to carry out credit repair or remove defaults successfully from start to finish when you do not do this for a living would be unrealistic.

A comparative example would be turning up to court and running your own case when you are not a trained solicitor. Sure you can do it but it may very well turn out to be messy.

Factors to consider when fixing a credit file include the correct departments within the banks/telco’s etc to deal with. Our advantage is we know the correct point to start at with all of the major creditors. You may well spend countless hours trying to get through to the right department.

Also understanding what to request from these departments is imperative when mounting a case against a creditor for default removal. You would need an in-depth understanding of all current legislation which governs account keeping procedures, demand & collection procedures, default listing procedures and court action procedures.

These are only a few points to consider, there are too many to list here. We have been allowed the time and experience to establish what works and what doesn’t. You as a first time credit repairer will not have this luxury.

If you can afford credit repair services then it would be wise and effective to employ someone who does it for a living to assist you. Just be sure to thoroughly check out the service you are being offered before committing to any binding agreement or parting with any of your hard earned money.


If you would like to see what may be possible regarding clearing your credit file, credit repair, fixing bad credit just click here “online quote” and we can assess your issues free of charge so you can then make an informed decision.

Credit rating repair / Fixing bad credit file benefits 12/7/2011

Bad Credit Repair Australia

Your credit file is one of the most important instruments when it comes time to apply for any form of finance or credit.

That said, there are many consumers who do not understand the benefits of carrying out a credit check prior to any applications being submitted. Performing a credit check on your Veda file or Dunn & Bradstreet file can save you a lot of time, heart ache and money if done before applying for finance.

Fixing credit can be attempted by anyone however successful credit repair is only achieved by few. Reputable credit repairers with relevant industry knowledge, contacts and skills have a distinct advantage over the average consumer. It pays to get the job done the right way from the start, this is where we excel in assisting clients.

Credit repair is often referred to as fixing bad credit, fixing bad debt, debt fix, clear credit file and other terms. At the end of the day the objective of all is the same. Remove defaults or court actions.

Defaults listed by Telco’s and Utility companies appear to be the major stumbling block for many finance applicants, even defaults as low as $100 ! Many lenders decline secured finance because of such minor credit offences.

Be sure to check your credit file as part of sound preparation before you start lodging applications and you won’t be in for unexpected disappointment.

You can obtain your Veda credit file from the home page of our website by clicking “Buy my credit file”. Your credit file will be emailed to you inside one business hour.

Good luck.