07 4763 4042
07 4763 4042
Struggling to Get Loan Approval?

Improve Your Credit and Manage Your Debt with Perfect Score

Perfect Score provides expert credit education, debt management tools, and regular credit file reviews. Our program helps you build better financial habits and improve your credit profile, increasing your chances of loan approval

How It Works

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What's inside the Perfect Score program

The complete financial toolbox

At Perfect Score, we believe everyone deserves fair access to finance. Our program helps you take control of your financial future by providing:

· Credit file reviews and strategies to repair your credit file

· Expert guidance on money management

· Support in preparing for successful loan applications

Get the tools you need to enhance your financial situation and increase your approval chances.

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Understanding Your Credit File

What Does My Score Mean?

Your credit score is a number to represent your creditworthiness and can range from 0 being the lowest to 1200 being the highest.

Your score will fluctuate based on your financial behaviour. Things such as making repayments on time and limiting your applications can increase the score. While things like defaults and judgments can decrease your score.

Lenders use this score to decide whether to lend you money, on what terms, and what interest rate.

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Understanding Your Credit File

What Affects My Score?

Defaults

A default occurs when you didn't pay a debt on time. It must be more than $150 and over 60 days late. This remains on your credit file for 5 years and negatively impacts your score and borrowing ability

Defaults

Court judgments

A court judgement is a record that you had an unresolved debt that resulted in legal action against you. This remains on your credit file for 5 years and significantly affects your score and ability to obtain credit

Court judgments

Credit enquiries

Enquiries on a credit file are a record that you have applied for a loan and remain on your file for 5 years. Multiple enquiries can be seen as a red flag to future lenders and reduce your score

Credit enquiries

Repayment history

Repayment History Information tracks your payments on loans, credit cards, mortgages, and buy-now-pay-later services for two years. It shows lenders if you pay on time, miss payments, or are late. This helps lenders see how reliable you are at paying back money.

Repayment history
Join us today!

How It Works

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STEP 1

Sign Up & Assessment

First off, we will review your credit files and financial situation, then get you signed up to our tailored program

 

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STEP 2

Education & Strategy

Learn about credit, money management and debt solutions through our self-paced 12-step program, while working with a dedicated consultant to improve your credit file

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STEP 3

Prepare & Apply

Use the tools and guidance provided to enhance your financial profile and confidently apply for loans with better chances of approval. Perfect Score is a part of Ausloans Finance Group, which means we have large team of dedicated brokers ready to assist you with your loan application

Frequently Asked Questions

What is Perfect Score?

Perfect Score is an online program that helps you manage your finances better. It focuses on teaching credit education, money management, and debt solutions. While you learn, our team also works in the background to improve your credit profile, helping you get on track for future loan applications.

Is Perfect Score a part of Ausloans Finance Group?

Yes, Perfect Score is a team within Ausloans Finance Group. The program was designed to help clients who were declined or offered high-interest loan terms. Our goal is to guide clients through financial education and credit improvement, helping them get approved for loans with better rates and setting them up for a stronger financial future.

How can I improve my credit score?

By enrolling in the Perfect Score program, we'll work with you to deepen your understanding of your credit file, banking habits, and goals. Our dedicated team will assist you in possibly clearing any negative listings that are impacting your credit score. This dual approach is designed to enhance your credit rating and prepare you for obtaining finance.

Does paying my debt remove the default?

Unfortunately, no. The default is a record that the debt wasn't paid on time and acts as a warning to future lenders. Once the debt is paid, the lender can update the default to reflect it is no longer outstanding, but the negative mark will remain for 5 years from the date it was listed. However, by enrolling in the Perfect Score Program, we can help you improve your financial habits, manage your debts and possibly remove the default prior to the 5-year term.

How long does the Perfect Score program take?

The 12-step program is designed to progress at a pace that suits you. Whether you finish one course weekly or annually, the choice is entirely yours. Meanwhile, our team will work on your credit files in the background. Our aim is to prepare our clients to be able to reapply for their loans within a timeframe of 6 to 12 weeks.

What are the costs involved?

The Perfect Score program costs $1,200. This fee covers comprehensive educational resources, dedicated support, and unlimited credit file assistance. Contact our office today to discuss payment options to suit your needs.

What about Bankruptcy / Part 9 Debt Agreements?

Rest assured, we will not enter you into a Bankruptcy or Part 9 Debt Agreement. Our goal at Perfect Score is to manage your finances responsibly, budget effectively and improve your credit file.

Can you guarantee results?

We can’t guarantee results, but we are committed to doing everything we can to get you on the right path. What we can guarantee is that if you follow our complete program, we will have you become a more credit worthy applicant.

Can you help me get a loan afterwards?

Perfect Score is not a lender, but we have an impressive network of over 55 organisations that can assist you with your finance applications afterwards. The program will teach you how to get approved for car loans, personal loans, mortgages, business loans and more. Once you’ve completed the program, we’ll connect you with one of our dedicated brokers to help with the loan process.

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Real People, Real Success

What Our Members Say

"The support team were great and very patient with me. Was previously declined but didnt know why. Once I completed my course, I got approved straight away."
Bruce Harrison
From declined to approved
"Well worth the investment. What I learnt in such a small amount of time helped me negotiate a much better rate than originally offered."
Chris Ebert
Lower interest rate