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Repairing a credit record involves the removal of entries on a credit history that are unfair, contested or otherwise disputed. An applicant for a loan will have their financial record reviewed by a potential lender.

Disputed entries on an applicant’s credit record will have potentially damaging consequences for the loan application to be granted. This may unfairly prejudice the applicant’s chances of obtaining a loan.

Fixing a negative credit rating (often referred to as a ‘bad credit rating”) is often the last thing on an individual’s mind when they conduct business. Understandably, often people may not be fully aware of the issues that are involved when the question of credit repair becomes relevant. As a consequence, there are many misconceptions about the rights and liabilities of the “credit impaired.”

Australia is one of the few jurisdictions in the world that follows a negative credit rating system. For this reason, it is not true that borrowing small amounts or arranging for small interest rate accounts can avoid a poor credit history. Bad credit history is bad credit history, irrespective of the magnitude of debt; what is relevant is the individual’s reliability to repay a loan. Repaying a debt does not mean that the bad credit history disappears: the history is still there and may be considered relevant to future lenders who will then have to decide whether it is worth for them to risk lending the individual or applicant any money or otherwise extending credit to the applicant.

Perhaps most depressingly, credit providers will use computerised models to assess whether or not to provide a service to a loan applicant. This means that the process is mechanical, clinical and there is little room to argue that a poor credit rating history is not representative of your present reliability.

Processes are in place for repair of credit ratings. Navado Lawyers and Solicitors can assist in the procedural and administrative legal steps that need to be taken to ensure that all errors, mistakes and unfair, incorrect and contested or disputed information is removed. For more information, see our section “Credit Repair Review.”

If you believe that you require legal advice or assistance with credit rating repair, you can contact our Sydney credit rating repair lawyers for assistance. We can provide you with legal advice and credit repair legal assistance, at affordable and very often for reasonable fixed legal fees. Our credit rating repair legal team often works alongside our Mortgage Brokers and have a detailed understanding of credit history and credit history problems that applicants for loans frequently or usually encounter. You may wish to contact us by telelphone on (02) 9233 4048 or email us to info@navado.com.au to make an appointment at our head office in Syndey CBD. Alternatively, we may see you in one of our branch offices. Please peruse our "Locations" tab for a complete list of our branch offices.

 

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This webpage (and any material or wording appearing on this webpage) is provided for general information purposes only and does not constitute any Legal Advice. It does not take into account your objectives, your instructions or all of the relevant facts and/or circumstances. Navado accepts no responsibility to any person who relies on the information provided on this website. We further refer you to our Disclaimer.

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