True, we had issues with credit for a while, even though my hubby is a "higher earner" as it makes a huge difference as to what visa status you hold. For example, a temporary resident will find it difficult to get credit for most things such as mortgages, credit cards, mobile phone contracts, finance for furniture or appliances and cars. Some do give loans for the term of the visa but not all. We still hold the 457 visa, but now we are able to prove we are staying in Australia opportunities are opening their doors to us more and more. It has taken 2 and a half years to get to this point, so please be prepared for initial rejection. Some credit institutions also ask for the lender to take out an insurance policy to ensure the safety of repayments which can be expensive, but if it's a large lend such as a mortgage then its worth the investment.
As for berating people about their personal financial circumstances - it is out of order. Who cares if they have made mistakes in the past all be it their own doing or upon the taking of bad advice. The fact of the matter is they were asking for advice not to be gunned down and judged when they are obviously embarrassed enough to start with. We all do foolish things in our younger years and for some it ends in poor credit ratings - good on ya if you are one of the very few people without debt! (waving my woo hoo flags for you!)
Rant and rage over - apologies in advance! :-)