I need help to improve my Credit Score
I need help to Eliminate Debt
I need help with Bankruptcy
Your credit score is a measure of your past ability to manage money. Getting into debt can happen to anyone, all it takes is a few missed payments and before you know it, it’s impacting your credit reputation, lowering your credit score.
Is bad credit getting in the way of you living your best life in Adelaide?
Why you should check your credit report regularly
Your credit report is an indicator of your credit health. If you remember nothing else, remember this…you should check your credit report regularly and learn how to improve it and protect it.
We all know we should go to the doctor for a health check-up regularly. They might check your blood pressure, heart rate, take a few tests and then provide you with a result. Likewise, your credit report is a helpful tool to stay on top of your financial health. It lets you know if your money habits are on track to qualify for a mortgage, personal loan, and car loan, start a business, and, in some cases, secure that dream job.
If you are considering applying for any of these, it is a good idea to check your credit report before you apply, as it will help you avoid receiving a rude surprise if you are declined. If you discover that your credit report could do with improving, all is not lost. Wherever you are in Adelaide, you can work with the Fix Bad Credit team to improve your credit today.
At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt help in Adelaide will carefully assess your personal and financial situation so we can tailor a personalised debt solution package to best meet your goals. Your personalised debt solution package will contain options to help you take back control of your debt and start you on your journey to financial freedom.
If you are desperate to get debt help in South Australia, we are just a call away. If you are faced with challenges paying money you owe, our team of experts can assist you with a detailed evaluation of your options. Dependent on your specific circumstances there are both informal and formal debt solution options available to you. The Fix Bad Credit team is experienced in providing all types of debt help in Adelaide.
Ways to maintain a healthy credit report and score
Keeping your credit score healthy may be greatly helped by adopting the following 5 habits.
1. Paying bills and loan repayments on time.
By paying all your bills on or before the due date, a record of consistent and punctual payments will help significantly towards maintaining a healthy credit report. If you miss a payment, this can leave a black mark on your credit report and reduce your credit score. If you don’t think you’ll be able to make a payment on time, contact your lender or service provider and make alternative arrangements.
2. Paying your credit card off in full each month.
Getting into the habit of paying your credit card off each month is good for your credit score and for your overall financial goals. It also shows lenders that you have a good track record of being responsible with credit. If you are going to use your credit card for something that will take you longer than a month to pay off, look for a card with a lower interest rate and pay as much as you can each month rather than just the minimum monthly repayment.
3. Avoiding making excessive credit enquiries.
Every credit enquiry, approved or not, will be included in your credit report for five years, which in turn may affect your credit score. Many lenders consider multiple credit enquiries, particularly in a short period of time, as indicative of a greater risk and it may impact whether they approve your credit application. It’s important to note that a credit check, by a company like Fix Bad Credit, is not counted as a credit enquiry.
Paying off outstanding loans and debts as soon as possible not only reduces your interest costs, but it establishes a good track record of using and repaying credit. This helps strengthen your credit report and score.
5. Consolidating debts.
If you have multiple loans or credit cards, consider combining them into one. You may be able to have one larger loan at a lower interest rate and you’ll only be paying one set of fees. This may reduce your costs and simplify your repayments. It may also be considered by lenders as indicative of responsible credit use. Just take care that you’re not extending short term debt over a longer term as you may end up paying more in the long run.
We offer a range of credit repair solutions for people in Adelaide
Our Credit Repair Experts in Adelaide will…
Benefits Of Working With Fix Bad Credit
No more missed payments – unlike before when you had several bills to pay with different due dates, the Fix Bad Credit team in Adelaide can put together a payment plan for you where all you have is one payment each month, making it far easier to manage and much harder to forget.
Fix Bad Credit – The team at Fix Bad Credit in Adelaide will negotiate a repayment plan with your creditors that makes it easier for you to make your repayments on time and in full, demonstrating good repayment habits and avoiding defaults through late payments, improving your credit score.
No more annoying calls from creditors – lenders enlist the help of debt collectors to help collect payments from people who haven’t been paying up or who have a history of paying late. When you sign up with Fix Bad Credit, expect any calls from creditors to stop.
Get Your Free Credit and Debt Assessment Now
Don’t let bad credit make you miss out on opportunities in Adelaide
Everything starts with a discreet and confidential risk-free credit assessment to identify your unique credit woes. Once we understand your personal situation, we will tailor a strategy, just for you, to improve your credit, reduce any debt and manage any repayments. It is our mission to get you back to living your best life and we will stay on the journey with you.
How It Works
Becoming Financially Free Is Easier Than You Think
Step 1: Identify
Asking for help is the hardest part. Which is why you get a personal debt and credit solution expert to confidentially review your unique situation and work with you every step of the way
Step 2: Plan
We then work with you, providing options for improving your credit, reducing debt and managing any repayments
Step 3: Repair
We can then assist with your chosen options each step of the way, implementing your unique credit and debt solution strategy
Step 4: Monitor
We offer an on-going service to continue to monitor your credit situation, regularly reviewing any changes to your credit score and identifying potential problems before they affect your financial well-being.