Finance advice

Beat the bad credit blues

By Jessica Darnbrough

Do you think there’s something nasty lurking in your credit history? If you’re looking for a home loan, it might be time to clean up your file.

 

If you’re applying for a home loan, a bad credit history is the last thing you need. Unpaid bills can come back to haunt you and undesirable items in your file both raise a red flag with lenders and can mean you end up with a higher interest rate.

Your credit file outlines in detail all dealings and debt agreements you have entered into previously with credit providers. Because it is a comprehensive record, it pays to have paid all your bills.

While a bad credit history can mean big trouble for would-be borrowers, all is not necessarily lost since your credit faux pas, if you’ve committed one, will not be listed for all eternity.

All credit applications, accounts that have remained unpaid for more than 60 days and court judgements will only remain on your record for five years from the date they were listed.

Bankruptcies and more serious credit infringements, on the other hand, will linger for seven years once listed.

Before you even start sniffing at the home loan market, or look to refinance your current loan, get hold of a copy of your credit file from a credit reporting agency such as Veda Advantage, or Dun & Bradstreet.

Requesting a copy of your file won’t cost you a cent if you can wait around 10 working days, but if you need immediate access then you can expect to pay a fee.

Take action If you have a bad credit history, it is in your best interests as a borrower to ‘clear your credit conscience’.

Check all details have been logged correctly. If your name is spelled incorrectly, it may lead to someone else’s credit defaults appearing on your record.

Also check that debts have not been listed twice, that the amounts are correct, that missed repayments were overdue by at least 60 days and that paid defaults have, in fact, been listed as paid.

Make sure also that any old minor defaults or any serious credit infringements are not still listed.

If you do find any errors, you should contact the credit reporting agency to get them corrected.

Before challenging a listing, you should ensure you have collected copies of all your account statements relevant to the dispute as these may be called on as evidence when you make the claim.

Once you have made sure your file accurately reflects your history, it is time to start paying off outstanding credit defaults to pave the way for a brighter credit future.

Paying off overdue items and then having them transferred to the paid defaults section will not only improve your credit standing but also your standing with lenders.

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podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Caifu Property\u2019s Automatic Equity program is designed to add a minimum of double the value of your salary to your portfolio every 12-18 months.\u00a0The program deals with five to six figures of instant equity, helps time poor investors generate equity in the shortest time possible without compromising your lifestyle or demanding your time.\u00a0<\/p>\r\n

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

    In this episode, hear from\u00a0Michael\u00a0about:<\/p>\r\n

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      More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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