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How to Get Your Credit Report for Free

We know that dealing with credit issues can feel confusing, frustrating, and even costly when you're trying to reach a big milestone like buying a home or a car. That's why we're all about empowering you to achieve your financial goals—and the very first step is simple: getting a free copy of your credit history. We recognise that most people don't want to jump on the phone and talk about their debts, so let's keep this straightforward and accessible. Know Your Rights: How to

Nov 32 min read

What Your Lender Might Not Tell You: Your Rights When Facing Financial Hardship

Facing Financial Hardship? Know Your Legal Rights and What Your Lender Must Do Facing financial hardship can be a frustrating and stressful experience, especially when you feel like you're not being heard. Many people are unaware of their rights under Australian law when they can't make their loan repayments, and this lack of knowledge can leave them feeling powerless. This article will empower you by shedding light on your rights when facing financial hardship and how you ca

Oct 174 min read

Credit Inquiries Explained: Why Too Many Applications Can Hurt Your Score (and How to Avoid It)

It’s a common misconception: applying for a new credit card or a loan is a harmless activity. After all, if you don't take the loan, no harm done, right? Not exactly. While a single application might not cause a problem, applying for too many loans in a short period of time can actually hurt your credit score. This blog post will address the difference between "soft" and "hard" inquiries, discuss the real impact of multiple applications, and provide actionable tips on how to

Oct 173 min read