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Fast Answer: Yes, you can rent a house or apartment in Australia with bad credit, but it can be challenging. While traditional property managers focus heavily on specialised tenancy databases (like TICA), more real estate agencies are conducting comprehensive credit checks in 2026. A credit check does not mean they can see your consumer credit […]

Fast Answer: The time it takes to raise your credit score depends on your financial history, current credit report and the actions you take moving forward. For most Australians, improving a credit score takes anywhere from 30 days to 24 months, depending on what is affecting the score. Minor improvements can often be seen within […]

Fast Answer: Your credit score in Australia is influenced by several key factors, including: Repayment history – Very High Impact: Paying your loans and credit accounts on time is one of the biggest factors affecting your credit score. Defaults – Very High Impact: Unpaid debts that become defaults can significantly reduce your credit score. Court […]

Fast Answer: Yes, you can negotiate credit card debt in Australia. The best way to negotiate credit card debt and improve your chances of success is to: Contact your lender early rather than waiting for missed payments to accumulate. If you’ve missed some payments, contact them ASAP before the account falls further behind. Under Australian […]

Fast Answer: If you have an error on your credit report, one of the fastest way to fix it is to dispute the error online with either the credit reporting body or the lender that supplied the information to the credit reporting body (If that information is on the credit report). The two credit reporting […]

Table of Contents If you’ve ever lost track of what you owe, whether it’s a forgotten bill, a Buy Now Pay Later purchase, or a missed loan instalment, you’re not alone. Many Australians carry debt without realising how easily it accumulates. We’re often asked, How can I find all my debts? And it’s a fair […]

Table of Contents Have you ever faced the frustration of a judgment on your credit report and wondered how to remove court judgment from your credit file? A judgment can be a significant obstacle that impacts your ability to secure loans, credit cards, and even rental agreements. At Credit Wipe Australia, we’re here to guide […]

Table of Contents So, you’ve decided to get your credit score back on track. Maybe you’re hoping to buy a home, secure a loan, or just improve your financial health. Credit repair can be a game-changer, but one question often lingers: “How much do you pay to fix your credit score” Let’s dive into the […]

Fast Answer: Yes, Afterpay can affect your credit score in Australia. Since 10 June 2025, Buy Now Pay Later (BNPL) services have been regulated as credit products. Afterpay may perform credit checks when you apply for an account or request a higher spending limit, and these enquiries may appear on your credit report. Missed payments […]