Unsecured Personal Loans

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Unsecured Personal Loans

If you have any paid or unpaid defaults on your credit history or you have previously been bankrupt or held a part 9 agreement your credit report will reflect this fact for at least 5 years after the debts are fully paid out. During this time you will not qualify for any unsecured loans.

Just because you were 1 week late with a credit card payment, does not mean you have a bad credit history. A late payment here and there may not prevent you from qualifying for an unsecured personal loan.

If you have any defaults on your credit report that you believe have been placed there in error you can contact the credit provider and negotiate to have the default removed. In some cases they may agree to do so if you are able to provide evidence of the mistake.

If you are after an unsecured personal loan the best place to start is your bank.

If your bank declines your application, it may be due to:

(i) Bad Credit;
(ii) Your level of Income;
(iii) Number of credit inquiries on your credit report.

If you are not clear why you have been declined, it is best to obtain a free copy of your own credit report at www.mycreditfile.com.au

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