credit education

  • Three common credit myths

    Most people have a credit score, but few understand the specifics of how it is constructed. Your report could be the difference between getting a loan approved or rejected, and there are many myths attached to how the report is constructed.

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  • Six tips for future investors

    Saving money and securing a strong financial future is a priority for most Australian families today. Whether trying to map out a future for your children or simply hoping to confirm your own comfortable financial position, there are a number of different motives for investing money.

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  • Three tips to save money on holiday: Part 2

    Saving money whilst on holiday – and enjoying yourself at the same time – is no easy feat, but with Check Your Credit’s quick tips, it’s possible to cut your costs and have a memorable, fun holiday.

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  • Four reasons your credit card company might think your card is stolen

    As scams become more sophisticated so do the security measures and banks are now more capable of stamping out fraud in its tracks than ever before. Here are four common credit card activities associated with fraud that could potentially raise alarm bells in your bank.

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  • Teaching your children about personal finance

    Personal finance is something most children don’t learn in school, and until they grow up and find out for themselves first-hand how to budget and save, they remain blissfully unaware of the challenges and benefits that can come with personal finance management.

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  • Three tips to save money on holiday: Part 1

    It may sound like an oxymoron at first, but saving money whilst on holiday is possible if you’re finding your finances are getting a little tight. You can still enjoy your interstate or overseas holiday without breaking the bank, by following the below five tips to save money and travel smart.

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  • Combat ID fraud by monitoring your credit report

    Identity fraud is a significant threat to Australian consumers, costing more than one billion dollars in losses each year. Identity thieves are able to use your personal details for financial gain, such as using your credit card information to make

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  • Managing your money after a divorce

    What happens to your money or your joint account following a divorce or separation? What cut of the financial pie will your ex-spouse be eligible to take? These are the commonly-asked questions when faced with such a traumatic and emotional life event, and as a result it’s important to know how to tackle your finances in lieu of a marriage break-up.

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  • Avoid mortgage stress – know your credit report

    One of the biggest purchasing decisions in an Australian’s life is the decision to buy property, as it requires careful planning and research, as well as a significant financial commitment over time. While it can be an exciting time, especially for first time buyers,

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  • Avoiding hidden fees in credit cards

    Many credit products contain built-in fees, and a failure to read the fine print or understand what you’re signing up to when applying for new credit may impact you later on when you receive your bill. Here are some common fees to look out for at the outset of the sign-up process to ensure you’re not surprised when it’s time to pay your bills.

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  • Talking to your partner about money

    Talking to your future spouse or boyfriend about money can be unromantic, but it’s essential for a healthy relationship and avoiding unnecessary complications down the track.

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  • 5 money habits to break

    When it comes to managing personal finances, breaking the bad money habits is easier said than done. But when habits spiral out of control and threaten to take over your life, it’s time to take a good, hard look at your financial situation and make the decision to break your bad habits.

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  • Manage your finances by taking a MoneySmart pledge

    This year, take control of your financial situation by making a MoneySmart pledge. This ASIC initiative requires Australians to complete the sentence, "This year I will..."

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  • 4 steps towards successful financial planning

    Financial planning is about how you manage and take control of your financial situation. A common misconception is that only wealthy people should undertake financial planning, but in reality everyone should plan for their financial future if they want to achieve certain financial goals.

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  • Three spending habits that could hurt your credit file

    Are you trapped in a vicious spending cycle and blow your cash on things you can't afford? In 2012, the average Australian household spent just under $70,000 on general living expenses. Per week, each household spent $32 on a restaurant meal, $12 on their mobile phone and $52 on holidays. With these figures in mind, it's easy to see how spending can get out of control.

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  • Consumer financial stress to remain elevated in early 2013

    Consumer financial stress levels are expected to remain elevated for the first three months of 2013, continuing the consumer conservatism experienced throughout much of 2012.

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  • Fewer Australians taking on debt as spending priorities shift

    Fewer people expect to see an increase in their level of household debt during the first few months of the year, and demand for credit remains flat, in further signs that Australians are embracing financial conservatism amid the current period of moderate economic growth.

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  • What to do if you can't pay off your debts

    It’s much easier to rack up debts rather than pay them off, particularly if you’re juggling a few credit commitments at the same time. The danger is that a failure to pay off your debts can result in being viewed as a credit risk, or worse add a credit default listing or bankruptcy on your credit report. Here are a few things you can do if you can’t pay off all your debts to prevent the problem from spiraling out of control.

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  • Cleaning up your credit history

    Viewing your credit report on a regular basis is good practice to keep yourself updated on how you manage your financial responsibilities, but what happens if your credit history is less than pristine?

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  • New laws mean more data on your credit file

    New laws implemented on 12 March 2014 mean that additional information will soon be available on consumer credit reports.

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  • Stay protected against identity fraud

    One in four people are victims of identity theft – as part of the National Identity Fraud Week, here are some tips to protect yourself against this type of fraud.

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  • Three ways to save more: Part 2

    A penny saved is a penny earned, but for many Australians this is easier said than done. Here are three tricks to help you save more money.

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  • Three ways to save more: Part 1

    With so many bills to be paid, many Australians are struggling to put away any money. Here are three tricks you can easily incorporate into your everyday life to build up a cash reserve.

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  • Am I financially healthy?

    Are your finances in order and your debts under control? If the answers to these questions are 'no', it's time you took a simple money health check to see if you are at low, medium or high risk of financial distress.

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  • How to manage your credit card

    Now that you've chosen a credit card that best suits your spending habits and needs, it's time to start thinking about how you can best manage this little piece of plastic.

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  • Choosing a credit card

    This week, Dun & Bradstreet compares four different types of credit cards in order to help you make a better decision when applying for credit.

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  • Ease the financial worry for young Australians

    With the local and global economy providing little enthusiasm, it’s no surprise that financial security has become the number one concern of young people in Australia.

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  • 4 ways to be financially smart this Christmas

    With Christmas just around the corner, spending on presents for loved ones is inevitable. While the festive season encourages gift giving, it’s also the season to watch your wallet or bank account balance to avoid that post-Christmas regret.

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  • Top 5 personal finance apps

    This week, Dun & Bradstreet compares four different types of credit cards in order to help you make a better decision when applying for credit.

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  • Cautious consumers to curb Christmas spending

    Australians are set to tighten the purse strings in the lead up to Christmas, with non-essential spending expected to fall as consumer concern about financial security rises.

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  • Comparing credit options

    The array of credit options out there makes it very difficult to choose what form of credit they should sign up for, as well as the advantages and disadvantages of each. Here, D&B explains four credit options and what to watch out for.

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  • Is debt consolidation right for you?

    Debt is an unavoidable fact of life, but when you start racking up a considerable amount of bad debt, that's when you need to start to take concrete measures to improve your financial standing.

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  • Do you need a financial planner?

    Financial planning is much more than just finding the right investment- increasingly, young people are employing sound financial advice that can help them manage cash flow and set them up for the future.

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  • Good debt vs bad debt

    What is the difference between good and bad debt? Read on to find out more.

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  • What to do if you have been scammed

    While prevention is the best cure, sometimes fraud does strike no matter what warnings you heed and precautions you take.

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  • Australians' finances under pressure despite 20-year high in household savings

    A lack of personal savings has six in ten Australians concerned about their current financial situation and one in three indicating they would be unable to cover basic expenses for longer than a few weeks if faced with a sudden job loss.

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  • Managing your money with a mortgage

    Having a mortgage is a big financial commitment, but that doesn't have to mean that you live on a shoestring budget. Here are a few tips on how you can give yourself a little more spending money while paying for your mortgage.

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  • Five common credit card scams

    Today's scammers are finding more opportunities to fleece unsuspecting Australians of their hard-earned money through electronic transactions, but it is essential to be aware of the most common scams and how to prevent them.

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  • How to avoid relationship debt

    More often than not, Australians fail to do their homework on their partners before merging their finances, which can result in an accumulation of relationship debt. Here are four tips to help you avoid this.

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  • Interest rates explained: how they affect you

    There has been endless coverage of interest rates since late 2011, when the Reserve Bank announced its first cut in 31 months, but what does a rise or fall in the national cash rate really mean for consumers?

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  • How to manage your credit card debt

    Racking up a credit card debt is a serious matter, yet many Australians struggle to control how much they put on their cards and fail to understand the consequences of not paying their bill on time.

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  • Ten tips to getting out of debt

    For some, job layoffs and unforeseen external factors have loaded them up with debt. For most, however, debt is the result of extraneous spending, poor money management, or both.

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  • Mortgage Fundamentals

    There are many different types of mortgages available today, and it's important to determine which best meets your needs before committing to such an important outlay. Before you get to that point, however, you need to learn some fundamentals about mortgages in general. Below are some basics to get you started.

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  • 30 Days to Financial Fitness

    With summer fast approaching many people are starting to think about getting in shape for the warmer weather but have you considered what shape your finances are in Many of us are guilty of pushing our finances to the side but unfortunately it does take a little bit of work to achieve financial success.

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  • Keep your credit card in check

    From small beginnings in the 1950s, credit cards are now a staple for wallets and purses around the world. While credit cards can be a handy option when your own money isn't readily available, they also carry a number of risks. However, if you manage your credit card well, you can effectively reduce the risks.

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  • Protecting your debit and credit cards

    The Australian Bureau of Statistics Personal Fraud Survey revealed that close to 500,000 Australians were victims of identity fraud in 2007, with around 380,000 experiencing credit or bank card fraud and close to 129,000 being victims of identity theft.

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  • Tips to help you manage your finances

    Get more money in your pocket by managing your finances better. Here are a few simple tips to help get you started.

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  • Prevent season's thieving's

    Online shopping has become an increasingly popular way to avoid the Christmas crowds BUT, with the increase in online shopping comes greater exposure to fraud. The key to protecting yourself is to take a few simple precautions which could save you a significant amount of pain.

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  • Managing your credit history

    Your credit report shows how well you manage your financial responsibilities by recording negative credit events such as defaults (payments that are 60+ days past due) and bankruptcies. To effectively manage your credit history, follow these simple tips.

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  • Don't become a victim: Preventing identity fraud

    It seems like only a few years ago that identity theft was almost unheard of. However, today it is an increasingly common crime which, if it hasn't affected you, it has probably affected someone you know. Yet preventing yourself against identity theft doesn't have to be a complex processes, follow a few simple steps to ensure that you don't become the next victim.

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