| If you've been hearing the media, the big lenders and | | | | the issue with Baycorp. More than likely there won't be |
| the majority of mortgage brokers over recent years, | | | | anything to be alarmed about. Normally such entries |
| chances are you'll know that if you have bad credit | | | | are the result of the credit activity of a family member, |
| issues detailed on your Credit File, you won't get a | | | | however credit fraud is on the rise in Australia, so your |
| mortgage from a bank. You'll also find that most | | | | vigilance is important.o Pay any outstanding debts |
| mortgage brokers won't be able to help you either. | | | | reported on your Credit File: By committing to a plan |
| This said though, you can still get a home loan, even | | | | that allows you to repay any of your outstanding |
| with problems listed in your Credit Report. It's always a | | | | debts, you are sending a really positive message to |
| good idea to work hard to restore your Credit File, and | | | | lenders. Your Credit File details your repayments, so |
| this might sound complicated, but it's not. I'll show you | | | | your hard work will be noticed. By paying such debts, |
| why! | | | | you are also improving your own money management |
| The Steps to Follow | | | | skills. |
| In just a few straightforward steps you can do a great | | | | Can I Remove Legitimate Listings on my Credit File? |
| deal to restore your Credit File, which is something you | | | | It is impossible to remove any legitimate listings on your |
| must do for your own financial good. Here's what you | | | | Credit File, because quite simply, this information is on |
| need to do:o Obtain a copy of your Credit File: This is | | | | your file for a reason. In repairing your Credit File, it is |
| really easy to do. Just visit and you can request a | | | | best to follow the above mentioned steps and avoid |
| copy of your Credit File from Baycorp Advantage - | | | | any credit repair companies that claim they can |
| the company that takes care of Credit Reports in | | | | remove any negative listings on your Credit File. Only |
| Australia.o Read the Credit File carefully: This is very | | | | you have the power to request the removal of any |
| important because the outcome of your loan | | | | Credit File listings that are proven to be illegitimate or |
| applications is based upon what is contained in this | | | | made in error. |
| document. Check the file carefully to ensure there are | | | | Build for your Financial Future - Start Repairing the |
| no errors or omissions. That's right - you can be | | | | Damage! |
| penalised if important details are not contained within | | | | Whatever you do, don't be discouraged by any |
| your Credit File, so be meticulous in your examination | | | | negative inclusions in your Credit File. See this as a |
| of it.o Write down any questions you have: Financial | | | | wake up call and an opportunity to pursue financial |
| documents can be confusing to many people, so if you | | | | success. By following the steps outlined above, you |
| have any questions or need clarification about anything | | | | are teaching yourself good money management skills, |
| in your file, take notes on paper and make a phone call | | | | which if you maintain, will last a lifetime! For further |
| to Baycorp to seek answers.o Report any mistakes: If | | | | assistance on how you can turn your bad credit |
| you see on your file accounts or outstanding debts | | | | situation around, please contact a bad credit mortgage |
| that you do not believe are yours, find out why they | | | | specialist with a great reputation today. |
| are listed on your report. This is very important. Raise | | | | |