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Blogs

3 things you should consider before using a pay day lender

credit repair

  In recent years pay day lenders have become more widely known and marketed as fast and easy cash for almost anything. While fast and easy cash may seem like a good idea, the reality is almost always different. Budget Credit Repair not only assist clients in repairing their credit file, we also provide financial support services to help people get out of debt and all too often ‘pay day…

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How using a finance broker can damage your credit score

credit repair

There are an estimated 30,000 finance brokers operating in Australia. Chances are that if you have applied for a loan or line of credit outside of the banks, you probably would have been serviced by a finance broker. Brokers maybe great at providing choice in the number of different lenders and products, which can make a huge difference to fees, interest rates and repayment terms of your loan, however what…

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When moving house, 3 steps you can take to protect your credit score?

moving-house

As anyone who has moved house will tell you, it can be a very stressful time.  Some media reports have even claimed that it can be as stressful as going through a divorce! Budget Credit Repair regularly receives calls from clients who have moved house and in the chaos and stress, have over looked some minor detail that has ended in a default or judgement on their credit file, for…

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What is a credit enquiry and how do they affect your credit score?

credit inquiry

An ‘enquiry’ is recorded on your credit file by a lender or creditor, when you apply for most forms of credit, just like ‘defaults’ do. Enquiries remain on your credit file for five (5) years. Having a few enquiry records on your credit file isn’t necessarily a negative thing, however the number and frequency of enquiries within a 2-3 year period, can have a huge negative impact on your credit…

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