The dark side of comprehensive credit reporting

In March 2014, Australia introduced comprehensive credit reporting. The change had good and bad points. The good is - tighter protections for consumers facing hardship, and more notifications required prior to default listing a client on a credit file. The bad is -...

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Stop judging credit-impaired people

People that have a bad credit file aren’t bad people. And credit repair companies aren’t trying to get them out of their financial obligations. This is the feedback I sometimes get. In my opinion it’s a completely wrong view. Who is the typical credit-impaired person?...

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Should I enter a Part 9 debt agreement?

Let me start by saying I am not advocating that debt agreements are bad for everyone. What I am saying is that some companies who sell credit repair – and some who specialise in debt agreements – are giving bad advice to consumers. There is encouragement to enter...

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Why pay us to fight your Ombudsman case?

Every day Repair My Credit Now! advises clients on their options when they have a dispute with a Financial Services Provider (FSP). Where they have the basis to pursue their complaint with the Financial Ombudsman Service (FOS) or the Credit Industry Ombudsman (CIO),...

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The powerlessness of Bankruptcy

I didn't quite understand how desperate life can get until I helped someone facing bankruptcy. I felt almost as powerless as Fran (name changed to protect her privacy), as she was about to lose everything and there were no avenues to help her. Fran had only one credit...

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