The dark side of comprehensive credit reporting

What can we learn from the UK’s experience of comprehensive credit reporting? In March 2014, Australia introduced comprehensive credit reporting, a regime that was established in the UK, USA and other countries over 10 years ago. The change sent shivers up my...

Why I love doing credit repair

The other day I was thinking about why I love doing credit repair and got to the nub of it by talking it over with my partner. I love doing credit repair because it helps one consumer or company at a time get back on a good financial track. There is a bank of stories...

Is credit repair ethical?

Last week, I had a revealing discussion with a broker about assisting a client with a default on his credit file. The broker said, “I don’t believe you can do this”, to which I replied “Do you believe it can’t be done or do you think we shouldn’t be doing this for...

Can your client repair their own credit file?

Finance experts ask from time to time whether paying a credit repair company to fix a credit file is necessary. There is a somewhat persistent view that consumers can sort out their own credit file issues with credit providers – and if that does not work they can take...