I can't not reply. I have worked in the banking/finance industry for a long time. I was one of those lovely people who would assess and hit that "yes" you can have money button. These are my personal opinions and experiences.
STOP applying. The more you apply, the worse it looks. Each bank/lending agency has its own criteria, and majority now use a "scoring system" which is automated by details such as how long you have lived in your property, to defaults and credit infringements, and the amount of times you have applied within a period of time, how long you have been in your employment etc.. how much credit you have outstanding, how your income weighs up against the current poverty line......
Going to a broker is going to cost you money and is also going to destroy your credit file, they usually apply with whomever/whenever they want.
Applying for a unsecured personal loan will always be best, disclosing the fact you NEED the money for IVF is not something I would do - basically you are telling them you are going to get pregnant and its highly likely you would be leaving your place of employment to have a child. Renovations, holiday, etc.... are better options. A credit card is a good one too - but be aware of higher interest rates.
I have done IVF for years now and we basically use a credit card. We have recently come to the end of our money and I am not working. But we have pleaded our case to our financial officer at the fertility clinic and given our excellent history at paying they offered us the option to claim 100% medicare first and then pay of the remainder and gave us a discount too. Do not forget IVF is a big money business they have to be flexible and they DO have debt collectors so they know that they CAN send them after you if you dont pay back any moneys you owe. They may not offer it on the paperwork but a well written email can do wonders Its worth a try and its FREE - a good place to start.
Also in regards to defaults and bankruptcy they will remain on your credit file for 7yrs, but keep in mind that when signing away your life to apply for credit you also give the financier the right to maybe contact other financiers that you have applied or had credit with before and they can disclose any information they have come across or experienced with you. Including past defaults and bankruptcies that may no longer appear on your credit file
Thanks everyone - no I can not get a credit card or a personal loan, I had to enter into an agreement to pay off debt from a previous marriage where my ex took off & left me in a world of debt I had no idea of but my name was attached to it & I had to wear the cost. This means basically not able to get credit cards, loans of any sort.
My current partner's income won't be sufficient for a loan if he takes it out on his own.
Suppose the thing that sucks is that we can afford comfortably to pay the repayments with our combined wages, yet that little mark from 5 years ago says no I can't. And it's there for another 2 years. I can't borrow off family as they aren't in a position to loan us that much money - even with getting the rebates back straight away.
I think I may take up the option that Krikkit suggested. Surely if I have the money to pay the gap, then they'll allow me to do it. (I know some clinics let you do this - but mine don't offer it on paper unfortunately)
Thanks everyone for your suggestions - it's an emotional process in so many ways!
There is a form you can fill out and have the company/person who defaulted you sign, and lodge with the court to have any defaults removed from your credit report.
It is free to lodge. Call the magistrates court in your state and ask them about it, might be something beneficial.
Its worth a try and its FREE - a good place to start.
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