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What is debt management – and how can it help you get back on track?

Being in over your head with debt can feel completely overwhelming It doesn’t just affect your bank balance, it can create stress, impact your relationships, and affect your future plans The good news Debt management can help you take back control, reduce financial stress, and start rebuilding... ... read more.

Can you get a home loan with bad credit in Australia?

Have you found the perfect home, but aren't sure if your credit score will hold up Wondering if this is where your dream ends  Thankfully, it is possible to get a home loan with bad credit in Australia, but it takes work and can be a little tricky Here at Fix My Credit, we help people... ... read more.

How to talk to creditors without making things worse

Research found that 47% of Australian adults with debt, the equivalent of 58 million people, have struggled to make repayments in the last 12 months ASIC 2024 Opening up an email or a letter from creditors chasing you for money can feel intimidating Some people avoid looking or having a... ... read more.

Why Fix My Credit is one of Australia’s top credit repair services

Looking for a credit repair service It's only natural to want the best But with so many companies claiming to deliver the best results, how do you know who stands out  At Fix My Credit, we've grown to be one of Australia's top credit repair services, thanks to our years of experience, licensing... ... read more.

How to Choose a Credit Repair Company in Australia

When it comes to your financial health, your credit plays a huge role! If you're applying for finance, like a home loan, car loan (or even a new phone plan), lenders will use your credit report to decide how reliable you are with money If you have defaults, late payments, or court judgements... ... read more.

Life after bankruptcy: The real steps to rebuild your credit and confidence

Bankruptcy, it's a big step, and one that comes with a lot of stress While it can feel like you've pressed the reset button, it doesn't mean that rebuilding your credit is easy The good news though, it is possible to recover and rebuild a strong credit profile  Here are some tips if you're... ... read more.

Myths about credit repair you should stop believing

When you have a bad credit score, it can feel like the end of the road Maybe it was due to a few missed repayments, or a default that was listed, or you've gone through financial hardship - whatever the reason, it can feel like a heavy weight that follows you around  If you've been looking into... ... read more.

How to spot the warning signs of debt trouble early: 6 signs you might need to fix your credit

Are you feeling the pressure of debt Maybe you've missed a payment here or there, have a rising credit card balance or are struggling to pay your weekly bills  The good news There are warning signs And if you spot them early, you can still turn things around Here are 7 signs you might be... ... read more.

How can Fix My Credit help you secure finance? 

For anyone who has been knocked back for a loan, credit card or rental because of bad credit, it can feel like a heavy weight and significant rejection But, the good news is that this situation doesn't have to be permanent Fix My Credit can help Australians just like you turn things around and get... ... read more.

The importance of understanding your credit report

Have you ever applied for a loan, a credit card, or even a rental property and been knocked back without really knowing why Your credit report could be the reason And you're not alone  Many people don’t fully understand their credit report or how it impacts their financial future Thankfully,... ... read more.

Does Credit Repair Actually Work? The Truth About Fixing Your Credit Score

For anyone dealing with a bad credit score, the idea of repairing it can seem like a promising opportunity A poor credit history can make it harder to get approved for loans, credit cards, and even rental applications But what if there was a way to fix it  That’s where Fix My Credit comes in... ... read more.

How often should you check your credit report? 

If you didn't already know, your credit report plays a huge role in your financial health - but how often should you check it If you're like most people, the answer is probably 'not enough' Keeping an eye on your credit report isn't just about knowing your score, it's about ensuring it's accurate... ... read more.

What is credit restoration? 

Are you struggling to take control of your finances Have you been knocked back for a loan or finding it difficult to get a credit card because of bad credit Credit restoration can help - Fix My Credit specialises in helping everyday Australians rebuild their credit, address negative items, and set... ... read more.

What happens when you declare bankruptcy in Australia? 

How much do you know about bankruptcy in Australia Understanding the full impact of what happens when you declare bankruptcy is important, as it can affect so many areas of your life Declaring bankruptcy is a serious decision that should not be made lightly, but for some individuals, it may be... ... read more.

What to do when you receive a Director Penalty Notice

Have you received a Director Penalty Notice (DPN) If you have, don't panic, but you also need to understand that it's a serious matter It's important to understand your options and take action to mitigate the potential consequences  Once a DPN is issued, you'll have a certain amount of time to... ... read more.

Small business debt restructuring: Throwing your business a lifeline

There's no doubt about it - running a small business can be tough, and when debt starts adding up, it can feel like you're stuck in a downward spiral If only there was a magic wand to wave and reduce your business debt… Small Business Restructuring (SBR) might just be the next best... ... read more.

Reclaiming freedom: How credit repair empowers domestic violence survivors

When you think about domestic violence, financial abuse isn't the first thing that comes to mind, however, it's a very real and damaging form of control that survivors face Domestic violence often goes beyond physical and emotional abuse, creating financial traps that make it hard for individuals... ... read more.

Does Buy Now, Pay Later affect your credit score?

In the last few years, Buy Now, Pay Later has become a popular way for people to purchase items Platforms like AfterPay, Zip, Humm and Klarna give individuals the convenience of purchasing that new outfit, airline tickets or tech gadget right now, allowing them to spread the payments over time -... ... read more.

Fixing bad credit

Is a bad credit history affecting your financial opportunities  At Fix My Credit, we understand how challenging it can be when you have bad credit, and we’re here to help you turn things around by improving it We are committed to providing tailored solutions to restore your financial health... ... read more.

How to remove defaults and court judgements

How much do you understand about court judgements and defaults  A court judgement is a legal decision that is made by a court to resolve a dispute between two parties It's often related to debt recovery, personal injury claims or contract disputes When a judgement is issued, it becomes public... ... read more.

The benefits of debt negotiation

Debt is a significant issue for many Australians Finding effective ways to manage and reduce your debt is crucial if you want to take control of your finances and secure a stable financial future It's important to explore what strategies are available to relieve your current financial pressure and... ... read more.

5 mistakes that can impact your credit score

We all aim to have a healthy credit score It helps us to secure loans, get better interest rates, and even improve our chances of renting an apartment or getting a job However, certain mistakes can negatively impact your credit score without you even realising it  Here are five common mistakes... ... read more.

What happens if I don’t pay a bill? What happens next? 

Are you struggling to pay your bills and wondering about the consequences Have you started receiving late payment notices but unsure what the next step is When you're experiencing financial difficulties defaulting on your bill payments can feel overwhelming and lead to various negative... ... read more.

7 reasons to choose Fix My Credit for credit repair services in Australia

There's no denying that the credit repair industry is fiercely competitive When dealing with your finances it's crucial to find a trustworthy and reliable business that can best serve your needs  At Fix My Credit, we have built a reputation for offering quality, efficient and professional... ... read more.

5 signs you need help to repair your credit 

So you've heard about credit repair, but are not sure if it's something that could be of benefit to you Not sure if your financial position warrants the help of a professional credit repair company like Fix My Credit  Here are 5 signs you need help to repair your credit: You're afraid to... ... read more.

How to get car finance with bad credit? 

Dreaming of a new car but unsure how you're going to get a car loan because you have bad credit  Unfortunately, poor credit can impact your chances of obtaining car finance and it can even make it difficult to find favourable loan terms So, can I get finance with bad credit  Yes, it is... ... read more.

The difference between hard and soft credit checks

Years of experience have given the Fix My Credit team a unique understanding of all the lingo associated with financial services, however, we understand that as a client you may not have the same familiarity with these terms In this article, we'll delve into the differences between hard and soft... ... read more.

5 easy ways to save money in 2024

Happy New Year and welcome to 2024!  For many people, achieving financial freedom is at the top of the list of New Year's resolutions, whether it's saving money or managing debt more efficiently At Fix My Credit, we dedicate our time to helping individuals to break the shackles of debt and fix... ... read more.

6 tips to avoid bad debt this Christmas

As we enter the holiday season, we get ready to celebrate with our family and friends, but unfortunately for many people, it's also a time of heightened financial stress and anxiety At Fix My Credit, we understand the worries this time of year can bring and we know how crucial it is to find a... ... read more.

Your loan application was rejected, so what next? 

Whether you're applying for a home, car, personal or business loan, it can be heartbreaking when you're rejected It can feel like a huge setback, especially if you've had your heart set on something significant However, it's important to remember that a rejection is not the end of the road but... ... read more.

5 Savvy hacks to reduce your household costs

We're all feeling it; the cost of living has increased and general living expenses have risen From groceries to energy bills, it has become increasingly difficult for many people to manage household expenses  If you're struggling financially, it can seem like an overwhelming task to regain... ... read more.

7 traits of a good credit repair company

If you're facing financial challenges and are searching for a reliable credit repair company, it can be difficult to know where to start Your credit score plays an important role in your financial well-being, affecting your ability to secure loans, access good credit rates and impacting your... ... read more.

Can you get a loan with bad credit? 

If you've faced some financial challenges and have less-than-perfect credit, you may be wondering "Can I still get a loan" While we can't give you a straight yes or no answer, as it depends on your personal circumstances, there are solutions available to help individuals with poor credit At Fix My... ... read more.

Personal Loans vs Credit Cards: the pros and cons

When you're navigating the world of finance, understanding the difference between credit cards and personal loans is essential Both options can give you access to valuable funds and help you build your credit score, but, if managed incorrectly, they can also have negative implications for your... ... read more.

How do credit checks work in Australia? 

Whether you're applying for a loan, credit card, rental property, or applying for some types of employment, credit checks play a role in the decision-making process Your credit history will often be a determining factor in whether you're successful and can have a big impact on your... ... read more.

What’s the verdict: Let’s talk about court judgments

It's not easy being in debt and if you're facing legal action it can be even harder Legal terms can be so difficult to understand, and the language the courts use can be quite technical, making it difficult to know your rights and obligations  At Fix My Credit, we've seen firsthand the impact... ... read more.

What to expect from Fix My Credit?

If your credit score is less than perfect, or you feel overwhelmed by debt, working with a company like Fix My Credit can get you back on track  It's critical to have a good credit score if you're looking to apply for a loan, mortgage or credit card It demonstrates to lenders that you are a... ... read more.

Why is good credit important?  

At Fix My Credit, we believe it's essential to understand the importance of credit to ensure you're making the right financial decisions and achieving financial success in your life Let's look more into credit scores and why they are important   What is a credit score  Also known as a credit... ... read more.

How to make your mortgage repayments more affordable

The recent interest rate hikes have negatively affected many individuals, so it's not surprising that a lot of people are wondering how to make their mortgage repayments more affordable to save on everyday living costs  At Fix My Credit we pride ourselves on helping our clients manage their... ... read more.

5 reasons to avoid bankruptcy in Australia

If you're struggling with severe debt, declaring bankruptcy may be something you're considering Many people view it as an easy way to deal with bad debt, however years of experience in the finance industry has shown us that bankruptcy should always be the last resort  We understand dealing with... ... read more.

The traps of buy now, pay later

Buy now, pay later has taken the world by storm and as per research released by ABC's 730, these payment platforms report over 59 million active accounts The convenience, easy approvals and interest free terms are what makes them so popular, and within reach of so many Australians  What is buy... ... read more.

How Do Credit Scores Work?

There's a big chance you've heard about credit scores, but do you know how they work  It's important to understand how a credit score works as it can directly affect your ability to borrow money or get credit at financial institutions Credit providers will use your credit score to calculate the... ... read more.

6 Mistakes People Make Using Credit Cards

Credit cards can be a handy way to pay for things and build your credit score, however if they aren't used correctly, they can end up costing you a lot of money and leave you with a truck load of debt  Unfortunately, there's a real lack of education and understanding about the best way to use... ... read more.

Credit Fix Online – How To Fix Your Credit Score

Take the First Step to Financial Freedom with a Credit Fix Online Many Australians struggle with a bad credit rating, which is why so many are seeking a way to arrange a credit fix online Your credit rating is essential to get access to the funds you need for your mortgage, auto loans, and more... ... read more.

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