Managing debt

Independent and trusted investigations and guides to help you manage debt and understand your credit rating.

Man balancing dollar sign in the palm of his hand.

Problems with payday loans

Despite new payday loan restrictions, sky-high interest rates are still the norm.

6 Aug 2014 | The latest payday loan legislation is a step forward, but it may not go far enough.

A new credit reporting regime can lead to black marks appearing on your credit report and credit rating.

Protect your credit rating

Even if you’re just two weeks late paying a bill, new credit reporting rules meant a black mark on your credit rating. But there's a welcome development.

10 Apr 2014 | A new credit reporting regime means if you pay your credit card or car loan more than 14 days late it’ll put a black mark on your credit rating.


Consolidating your debt

Should you pay to have your debt administered?

22 Jun 2012 | By using a debt consolidation business you could end up paying more in the long run than you would dealing directly with the creditors.

debt relief - cut up the credit card

Debt relief

If you lose your job, how will you pay your bills? CHOICE outlines your options.

20 Apr 2009 | Debt relief companies are reporting extreme cases of consumers carrying up to $400,000 in credit card debt on 50 separate credit cards.


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