Blog Posts

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

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

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

Did you know the average Australian has a "very good" credit score? Sounds great, right? But here's the catch: almost half of us have...

1. What is a credit default and how does it affect me?  A credit default is a "black mark" on your credit report, listed by a credit...

1. Who are the people behind Edit Credit?  Edit Credit was founded by Kath Hack and Luke Kennedy, who bring a combined 30+ years of...