“I'll just put it on my credit card.” It's a phrase often heard coming from young people or big spenders who either do not understand the repercussions of “just putting it on a credit card” or have the money to back up their words. The most popular form of payment by consumers this day and […]
What is credit? What is a credit report? What is a credit score? Where can I safely get a copy of my credit report for free? These are some of the most important questions in personal finance and they will be addressed in this article. The subject of credit scoring has become an increasingly hot […]
When it comes to credit cards for people with bad credit, there are dozens to choose from. However, that doesn't mean they are all good credit cards to have. While some bad credit credit cards really do work towards improving a person's credit, others do nothing but fleece the pockets of those who need a […]
There are companies advertising that they offer an unsecured loan poor credit history, they say, is not a problem. If they advertise that they do not do credit checks, then they are probably offering a payday loan. A payday loan is a short term high fee loan that has been referred to as […]
1. Deleting Errors in 48 Hours
This is the absolute fastest way to correct errors on your credit report and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home loan and find errors on your credit report, request the loan officer to […]
I am writing this to shed some light on the complex (and somewhat confusing) topic of credit repair.This is chapter 1 in a series of credit repair, credit monitoring and credit FAQ reports.
Credit. The one thing so many companies are willing to give out to the doe-eyed 18 year old highschool grad and […]
General Information
Who are Baycorp Advantage?
Baycorp Advantage are Australia?s leading credit reporting agency. Their activities are regulated by the Federal Government and the Privacy Act. Their database contains more than 11 million consumer and 1 million commercial credit files. It includes records on the credit activity of Australian individuals, companies and businesses.
The credit data held […]
If you've ever applied for a loan or credit card, chances are your lender acquired and examined a copy of your credit report before deciding whether or not to grant you credit.
Your “Credit Report” is a record of your credit history and it's prepared by agencies called “Credit Bureaus”, or “Consumer Reporting Agencies.” These are […]
Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The […]
Bad credit history may greatly affect your future credit card applications, at least for the next seven years down the road. We know that bad credit does not just target the lazy person, it holds no discrimination as to whom it will target and it will not. Plus, many of us understand bad […]