Specific credit/personal loan ask.?

Hey guys, a moment ago wondering.

Im located in Sydney,Australia.
I've never have any debt, I own though have pretty a few bills that enjoy come and my sandbank vindication have have insufficient funds. I enjoy subsequently covered these, and equal have happen next to some fines ive received. Which again, where on earth covered subsequent.
For a short interval of time I be surrounded by a bit of a financial tight spot.. I'm 19 and simply I requirement a loan for around 10-15k. Before I dispatch contained by appliations I want to ask you guys who hold greater awareness on this topic a few swift question.

1. Do those bills that be behind time payments walk towards my credit rating?
2. If ive be working a month or two at a unusual situation and am earn a worthy wage for my age, is it looked at? Basically by this I stingy, are things similar to this really taken into consideration?
3. If ive also worked since but hold no payslips or guard statements to prove it, is it considered no previous work?

Thanks contained by mortgage.

Answers:
IF you get salaried but not on any offical story, later they don't consider you own a chore. Only two months at a tentative post, doesn't consider as stable. At smallest 6 months past it is "stable" source of income. All bleak credit history should receive sour after 2 years (pull a credit report to see how long the monthly pocket money is reflect on the report). Then I beleiver after 7 years, everyhting is stale the story. But respectively country might be at variance.
Usually, near is 30 days, 60days and 90 days past due gift, the more in arrears, the more points reduce by from your credit report.
Hello friend polite luck on your investigate...
Beware of Advance payment Loan scam.
LOAN SCAM - Do Not Pay UpFront Fees.
Do not transport money UpFront via Western Union or MoneyGram to any being or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will swot up a sturdy lesson & never see any Loan money.

Remember, if it sounds too good
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