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If you have bad credit, you know how hard life can become! From everyday purchases to investments in your future, your credit history can come back to haunt you. The good news is, Wipe Credit Clean can remove your bad credit, regardless of whether the account is outstanding or paid. This is achieved by stating the legislation the company had breached before the negative listing was against you.
At Wipe Credit Clean, we have an average 97% success rate at removing these negative listings from your credit history, and getting you back on the road to financial security.
The benefits of repairing your credit report can possibly include:
Saydi had 5 default listings totalling a combined amount of just over $13k. The accounts were in relation to Telecommunication, Credit Cards and Personal Loans. Within 30-60 days of her first consult with Wipe Credit Clean, all 5 defaults were removed from her credit report without her paying for the debt.
Kara had 2 default listings totalling a combined about of just over $11k. The accounts were primarily in relation to Utilities. Within 30-60 days of engaging Wipe Credit Clean’s services, both defaults were removed from her credit report without her paying for the debt.
HOW CREDIT BUREAUS DETERMINE YOUR CREDIT SCORE
Credit Applications & Enquries
How many times you have applied for credit accounts
24 months for credit cards, loans, mortgages & utilities
Defaults, debt agreements, insolvencies, etc
How high your credit card and loan limits are
How long your credit accounts have exisited
Your personal details
*The percentages in this chart show how important each of the categories is in determining your credit score. The components + percentages are subject to change between credit reporting bureaus and lenders across Australia. Different credit reporting agencies have different criteria as to how they calculate your credit score.
Bad credit can potentially stay on the credit file for five to seven years, and contrary to common belief, paying the debt does not remove the bad credit.
The consequences of having bad credit can result in severe financial hardship, incredibly high-interest rates or sometimes the inability to obtain the essentials like a mobile phone contract or utilities.
Bad credit examples:
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