CREDIT REPAIR

In Australia there are millions of people who have been affected by having bad credit. Even an over looked utility bill of $100+ dollars has the power to cripple your credit rating and effect your ability from obtaining credit and finance .

We can even help you get a FREE copy of your credit report to assess your credit rating, and we’ll work with you to provide the solutions for your situation.

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HOW WE WILL HELP YOU

 

There might be instances when your home loan, car loan, personal loan or a credit card application has been declined. Common causes of bad credit can vary from unemployment, relationship breakdowns, moving address or lost mail to financial hardship and disputed accounts.

Court Judgments
Multiple identities
Credit Enquiries
Crossed/linked files
Overdue accounts
Payment Defaults

BENEFITS OF CREDIT REPAIR

 

1.

Faster approval for finance

2.

Better interest rates saving you thousands

3.

Reducing repayments

4.

Improved self-confidence

FIXING YOUR CREDIT FILE CAN BE AS EASY AS 1..2..3

So if you’ve been turned down for a loan and or find yourself overwhelmed by problems stemming from a poor credit rating,
talk to our experienced team here at Visage Credit Repair.

 

GET YOUR CREDIT FILE

The first step to fixing your credit file is to obtain the latest copy of your credit file from the following 3 main credit reporting companies.

CONTACT US FOR FREE ASSESSMENT

The second step is to contact us for an obligation-free assessment of your credit file.

APPOINT US TO NEGOTIATE

Once you have made your decision to proceed, the third step is to contact us and we will take care of the rest.

CREDIT SOLUTIONS

We offer a helping hand when times get tough and are committed to helping anyone with debt problems.

We understand the stress, sleepless nights and worry you may be going through and take a unique approach to your personal circumstances by offering expert, personalized advice and practical solutions to your specific debt problems that can minimizes long-term financial hardship and difficulties.

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HOW WE CAN HELP

 

There are many reasons why many Australians are waking up in the middle of the night worrying about their financial issues and debts. We can help take the stress away and find you a solution to get your financial life back on track.

Have you lost your job and need help paying your debt?

Has your business failed leaving you to pay its debts?

Are you borrowing against your home to pay monthly debts hoping things will improve in time?

Are you plagued by calls and correspondence from creditors demanding payment?

Are you putting off seeking help because of fears that you will damage to your reputation believing that a formal debt agreement is your only option?

Have you received a judgment or legal notice and don’t know what to do next?

INFORMAL ARRANGEMENTS?

 

If you can no longer pay your debts or are struggling to pay your debts off and on a timely basis, an informal payment arrangement may be your best option for you. An informal payment arrangement is similar to a formal debt agreement, but is not considered an act of bankruptcy.

Once a debt arrangement has been reached with your creditors, more times than not creditors will agree to put a sop/freeze account keeping fees, late fees and interest, not to mention put a stop from creditors from calling every other day. This means your informal payment arrangement will not go on record or negatively affect your credit file. It’s a positive way to settle debt with your creditors, ensuring that everyone is happy with the final outcome.

 

HOW WE HELP YOU WITH INFORMAL ARRANGEMENTS?

 

Your assigned Visage team member will negotiate on your behalf with your creditors, creating an informal payment agreement that results in a regular and affordable payment plan.

PAUSE ALL FUTURE INTEREST CHARGES;

CONSOLIDATE YOUR OUTSTANDING AMOUNTS;

ACCEPT A REDUCED DEBT SETTLEMENT.

NOT RECORD ANY DETAILS OF ARRANGEMENT ON CREDIT FILE

HOW WE INITIATE YOUR DEBT NEGOTIATION

 

Negotiating your debt with your creditors is one of the simplest and most effective ways to regain control over your financial worries. With our negotiation team on your side, we can potentially reduce your total debt repayment by up to 50%. The Visage team deals with hundreds of creditors including banks, finance companies, and credit card providers on an ongoing basis; so we know the approval process required to get negotiations accepted quickly and without hassle for you.

1. ANALYSE

Firstly, we analyse your financial ability to pay off the debt. We do not recommend you offer more than the amount you can afford to pay.

2. INFORM CREDITORS

We’ll deal directly with all your assigned creditors and put together a settlement proposal, taking your individual financial circumstances into account.

3. NEGOTIATION

We will then  negotiate the debt amount and terms to pay back your creditors. Whether it’s a single debt settlement payout or a weekly, fortnightly or monthly payment, we’ll help you put together a customized payout plan.

4. REGAIN CONTROL

Once your creditors have accepted your new payment plan, including the total payment and duration, you’ll begin to make payments and regain control over your financial future.

Member of Australian Financial Complaints Authority [AFCA] No. 83330. Australian Credit License (ACL) No. 532314.

MGM Corporation Pty Ltd [ABN 44630950284] incorporating Visage Credit Repair, Visage Credit Solutions, Visage Business Recovery & Visage Group.

Liability limited by a scheme approved under Professional Standards Legislation

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