There are many ways you can solve and repair your bad credit history however the simplest way, is using Clear Credit Solutions. Credit repair specialists like our team here at Clear Credit Solutions are qualified to assist you with the processes of fixing your bad credit and can help you remove defaults and court judgments to resolve the issue at hand.
Working throughout the community to provide risk free, credit repair services in Australia. We’re here to help you get the finance you want with a clear credit file.
What does it mean to have bad credit history?
Having a bad credit history can be something that may impact your ability to be approved for finance. This isn’t something that you may discover until you apply and are rejected or declined for credit. But having a bad credit history does not mean you cannot obtain any kind of finance at all. Some lenders will still allow consumers to borrow with bad credit however, you may be charged a higher interest rate.
There are multiple forms of bad credit history that you may have listed on your credit report. These can include things like:
- Late repayments on your credit accounts
- Overdue accounts or defaults for failure to pay an account
- Too many credit applications or enquiries in a short period of time
- A low credit score
- Court and legal actions taken against you and put on your credit report by default
Why do I need to repair my bad credit?
It’s important that you consider fixing your bad credit history so you can embrace financial backup in the future. You will find it extremely difficult to be able to obtain any finance with a default or negative listings on your credit file. Additionally, carrying out a check of your file will ensure there are no error or bad credit against your name, which could potentially be causing you wrongful rejection for loan applications.
By using credit repair at Clear Credit Solutions, we can help you remove any bad credit and all negative listings so that you can get the finance that you want.
Why use credit repair services?
Credit repair services are skilled at helping consumers remove bad and negative listings from their credit history. Removing information from a credit report is not as simple as contacting the company or institution that put the listing on the report and offering to pay it and remove it. This is seen as attempting to bribe your way out of your bad credit history and will not work.
There are other avenues consumers can take to attempt to repair their bad credit history. These include intermidary services like the Australian Financial Complaints Authority (AFCA) or the relevant ombudsman services like the Energy and Water Ombudsman or Telecommunications Ombudsman. Engaging these services can be time consuming for consumers as well as stress-inducing when it comes to collecting evidence, retrieving information and knowing what to say and how to respond.
Credit repair companies, like Clear Credit Solutions, assist with this process by using their knowledge of the credit reporting code, privacy act and their relationship with credit providers and debt collectors to help consumers remove their bad credit history. This relieves consumers stress and allows them time to focus on their finance goals and needs.
Why use Clear Credit Solutions?
Here at Clear Credit Solutions, we pride ourselves on our unique service and full refund guarantee. Credit repair services can have a certain stigma surrounding them due to previous consumer dealings with companies around Australia. We are trying to change that stigma. This is why we have outstanding client reviews when it comes to credit file repair and a no risk service.
