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Understand Your Options
Good decisions start with good information.
The Simple Debt Solutions Resource Centre has been created to help Australians better understand credit reporting, debt, finance declines and the financial issues that affect everyday life.
Whether you’re trying to understand your credit file, dealing with a default, negotiating with creditors or simply wondering where to start, our articles are designed to explain complex topics in plain English.
The more you understand your situation, the better equipped you’ll be to make informed decisions about what comes next.
Explore Our Resources
Credit Files & Credit Reporting
Understand how credit reporting works, what’s included on your credit file and how different types of information may affect your ability to borrow.
Popular topics include:
What Is a Credit File?
Understanding Default Listings
Repayment History Information Explained
Financial Hardship Information Explained
How to Read Your Credit Report
Finance Declines
Being declined for finance can be frustrating, especially when you don’t know why.
Learn about some of the common reasons finance applications are declined and the practical steps that may help you better understand your position.
Popular topics include:
Why Was My Home Loan Declined?
Can I Get a Loan After a Default?
What Do Lenders Look At?
Understanding Credit Scores
Preparing for Your Next Finance Application
Debt & Financial Recovery
Debt can feel overwhelming, but understanding your options is often the first step towards reducing stress and moving forward.
Popular topics include:
Debt Waivers Explained
Debt Negotiation: What Are Your Options?
Payment Arrangements Explained
Dealing With Debt Collectors
Rebuilding Financial Confidence
Family Violence & Financial Abuse
Financial abuse is more common than many people realise.
Our articles provide practical information to help people understand how financial abuse can affect debts, credit reporting and financial independence, and where support may be available.
Popular topics include:
What Is Financial Abuse?
Coercive Control and Debt
Rebuilding After Financial Abuse
Credit Reporting and Family Violence
Understanding Your Financial Options
Separation & Joint Debt
Relationship breakdowns often create unexpected financial issues.
Learn more about joint debts, guarantees and protecting your financial future.
Popular topics include:
Who Is Responsible for Joint Debt?
Can My Ex Affect My Credit File?
Understanding Guarantor Responsibilities
Joint Loans After Separation
Business & Commercial Credit
Commercial credit reporting is often misunderstood.
Our resources explain how business credit reporting works, why it matters and how it may affect both your business and, in some circumstances, your personal borrowing.
Popular topics include:
What Is a Commercial Credit File?
Understanding Commercial Defaults
Business Credit Reporting Explained
CreditorWatch vs Equifax Business
Commercial Credit and Directors
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If you can’t find the information you’re looking for, please contact us. We’ll point you in the right direction and let you know whether we may be able to assist.
