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Credit Enquiries Articles
14 articles found
Navigating Credit Enquiries During Financial Hardships
Credit enquiries, or credit checks, occur when a financial institution or other entity checks your credit report to assess your creditworthiness. In Australia, there are two primary types of credit …
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A Guide to Preventing Unauthorised Credit Enquiries
In today’s digital age, safeguarding your financial identity is more crucial than ever, especially in Australia where instances of identity theft and fraud are on the rise. A credit report …
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How to Shop for Loans and Credit Cards Without Damaging Your Credit Score
Maintaining a good credit score is essential for securing favourable loan and credit card terms, as it reflects your financial reliability to potential lenders. Understanding the nuances of the credit …
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How Credit Enquiries by Utilities Companies Affect Your Credit Score
In Australia, it’s essential to understand how utility companies can influence your credit score. These companies, which provide essential services like electricity, gas, and water, often conduct credit enquiries that …
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Answering Australians’ Top Questions About Credit Enquiries
In a nutshell, credit enquiries occur when you apply for any type of credit. Lenders use these enquiries to assess your creditworthiness and determine the risk of lending to you. …
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How far do mortgage lenders look back on my credit report?
Purchasing a home is a significant financial decision, and securing a mortgage is often an essential step in this process. Before approving a mortgage application, mortgage lenders will review your …
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Credit Enquiries and Credit Repair in Australia
Maintaining a healthy credit score has become more critical than ever before. Whether you’re seeking a mortgage, car loan, or credit card, your creditworthiness plays a pivotal role in determining …
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The Effects of Multiple Credit Enquiries on Your Credit Score
Credit scores play a crucial role in determining an individual’s financial standing and access to credit facilities. A credit score is a numerical representation of an individual’s creditworthiness, providing lenders …
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The Importance of Monitoring and Managing Credit Enquiries in Australia
Credit enquiries refer to the instances when a lender or credit provider assesses an individual’s credit history and requests information from credit reporting agencies. These enquiries occur when individuals apply …
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The Difference Between Hard and Soft Credit Inquiries
Understanding all the factors that can affect your creditworthiness is crucial when navigating the complicated world of credit. The type of credit inquiry that lenders conduct while evaluating your credit …
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