{"id":20771,"date":"2019-02-27T19:45:50","date_gmt":"2019-02-27T19:45:50","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/?p=20771"},"modified":"2019-02-27T19:46:56","modified_gmt":"2019-02-27T19:46:56","slug":"beware-of-your-credit-score","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/beware-of-your-credit-score\/","title":{"rendered":"Beware of your credit score"},"content":{"rendered":"<p>Have you seen a copy of your credit file lately? With the recent Royal Commission being released, credit scoring is becoming the source of truth for banks and approving home loans.<\/p>\n<p>Recently I have seen some cases where a lender will automatically decline a loan if a customer\u2019s credit score is too low.<\/p>\n<p>This can affect first home buyers right through to customers looking to refinance or purchase a new home.<\/p>\n<p><strong>Here are five tips to improve your credit score.<\/strong><br \/>\n1. Pay your credits cards, home loan and any personal loans on time<br \/>\n2. Don\u2019t apply for the same loan with different banks, only apply for the one loan with the one lender<br \/>\n3. If you are in default have a credit repair agency negotiate on your behalf<br \/>\n4. We use Restore My Credit in Adelaide 1300 035 970<br \/>\n5. Obtain a copy of your credit file before applying for a loan<br \/>\n6. Contact your bank and get all loans in order and make sure they are not affecting your credit report in any way.<\/p>\n<p>If you would like a free copy of your credit file, please contact me on 0400 949 797 or email me at <strong>isaac.baker@ybr.com.au<\/strong> and I can sent the report to you.<\/p>\n<p>Isaac Baker is a local mortgage broker who operates Yellow Brick Road Geelong &amp; Torquay from their Torquay office; Level 1, Corner of Merrijig Drive &amp; Fischer Street in Torquay. Advice in this column should be taken as general in nature and might not apply to your personal circumstances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have you seen a copy of your credit file lately? With the recent Royal Commission being released, credit scoring is becoming the source of truth for banks and approving home loans. Recently I have seen some cases where a lender will automatically decline a loan if a customer\u2019s credit score is too low. This can [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/beware-of-your-credit-score\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":95,"featured_media":20772,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[19],"tags":[],"post_folder":[],"class_list":["post-20771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beware of your credit score - Bellarine Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/beware-of-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Beware of your credit score - Bellarine Times\" \/>\n<meta property=\"og:description\" content=\"Have you seen a copy of your credit file lately? With the recent Royal Commission being released, credit scoring is becoming the source of truth for banks and approving home loans. Recently I have seen some cases where a lender will automatically decline a loan if a customer\u2019s credit score is too low. This can [...]Read More...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/timesnewsgroup.com.au\/bellarinetimes\/real-estate\/beware-of-your-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"Bellarine Times\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-27T19:45:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-02-27T19:46:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.timesnewsgroup.com.au\/prod\/uploads\/sites\/3\/2019\/02\/Bellarine-150.png\" \/>\n\t<meta property=\"og:image:width\" content=\"164\" \/>\n\t<meta property=\"og:image:height\" content=\"205\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Isaac Baker\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isaac Baker\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/\"},\"author\":{\"name\":\"Isaac Baker\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/#\\\/schema\\\/person\\\/c1f224a9eeb5c9896f0d1ac7b4e03083\"},\"headline\":\"Beware of your credit score\",\"datePublished\":\"2019-02-27T19:45:50+00:00\",\"dateModified\":\"2019-02-27T19:46:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/\"},\"wordCount\":253,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.timesnewsgroup.com.au\\\/prod\\\/uploads\\\/sites\\\/3\\\/2019\\\/02\\\/Bellarine-150.png\",\"articleSection\":[\"Real Estate\"],\"inLanguage\":\"en-AU\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/\",\"url\":\"https:\\\/\\\/timesnewsgroup.com.au\\\/bellarinetimes\\\/real-estate\\\/beware-of-your-credit-score\\\/\",\"name\":\"Beware of your credit score - 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