Visage Credit Solutions: Sydney

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HAVE YOU BEEN REFUSED CREDIT?

You may not realise that when you apply for credit, personal loan, home loan etc., the credit provider will usually perform a check on your Credit File. This gives the credit provider information about your credit history.

Being refused credit can be very embarrassing. Worse still, it can mean that you are unable to obtain the finance, loan or credit card that you need.

Each credit provider has their own policies. Depending on what appears on your Credit File they decide whether or not to offer you credit.

The problem is that when credit is refused the credit providers often don't tell you the exact reason.

If this happens to you the first thing you should do is to request a copy of your Credit File. Some companies will charge you for this service, but Visage Credit Solutions will tell you how to do this for free.

Credit report bureaux (such as Veda Advantage, Dun & Bradstreet etc.) and credit providers (such as Telstra, banks, utility companies) may sometimes have erroneous or unfair listings on their files, and these can be legally removed.

Visage Credit Solutions specialises in Repairing Credit Files.

Once you have had these entries removed from your file you may confidently reapply for credit.

DO YOU HAVE A BAD CREDIT RATING?

A Credit File contains information such as: your name, your current and previous addresses, employment history, current employment, credit applications, overdue accounts, judgements and bankruptcies.

A company known as VEDA Advantage maintains a database of Credit Files. This information is available to credit providers to help them make a decision about whether or not to offer credit in the future.

It is sometimes the case that VEDA Advantage has erroneous or unfair listings on their files. These errors can be legally removed.

Visage Credit Solutions specialises in Repairing Credit Files.

DO YOU WANT TO AVOID BANKRUPTCY?

Even if you are being harassed by your creditors, Bankruptcy should be considered only as a last resort. It is not an 'easy option' as the consequences can remain for years.

Visage Credit Solutions can act on your behalf, take the pressure away from you, and come up with an arrangement between you and your creditors which should maximise your chances of avoiding Bankruptcy.

Even the most difficult creditors can be convinced that avoiding bankruptcy is a win/win for both parties.

If you want to know more, please contact Visage Credit Solutions to discuss your circumstances and find out how we can assist. First Consultation is FREE and no obligation to the client.