What is a credit report?

A credit report is an outline of your previous financial history. It provides information such as your date of birth, address, any previous employers and any negative listings like a default or judgement (often referred to as black marks). Your credit report is often looked at when applying for credit.

 

What is a credit rating?

A credit rating is a score that tells lenders your ability to make repayments. This score is approximate and is based on your past financial activity.

 

Where is my credit report kept?

Your credit report is held by a credit reporting agency.

 

How do I know if I have any black marks?

The best way to know if you have any black marks is to have a look at your credit report. You can do this by contacting a credit reporting agency. Alternatively, if you think there is something on your credit report, we can obtain a free copy and explain the listings for you. Contact us today to find out more.

 

If I have any black marks on my credit report, what can I do to fix it?

If you have black marks on your credit report, we may be able to help you. We get a copy of your credit report, explain the listings to you
and go through a free credit assessment to understand your situation. Call us for a free assessment today.

 

Why should I improve my credit rating?

A credit rating is important as it is one of the main aspects that are looked at when you apply for finance. This means,
if there are any black marks on your credit report, you may not get approved.

 

Can’t I just pay the black mark for it to be removed?

Sadly, no. Simply paying the black mark does not mean it will be removed and you will still experience the negative impact of having
a bad credit rating.

 

How much does credit restoration cost?

The price depends on how bad your credit rating is. We offer affordable payment arrangements on all of our options,
so you can have peace of mind.

 

 

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