Do you want to improve your credit score or eliminate debt?
Here at Fix Bad Credit, we are determined to improve your financial situation. My only question is, are you ?
I need help to improve my Credit Score
I need help to Eliminate Debt
I need help with Bankruptcy
Why choose us?
- IDirect contact with your personal credit and debt solution expert.
- IDiscreet service with full confidentiality.
- IOperated for over 10+ years.
- IRegular communication (at least weekly updates with your 1 point of contact).
- IFamily owned & operated (your success is key to our reputation).
- IWe genuinely care and love what we do.
- INo result, no fee guarantee.
- IWe tailor to your needs rather than push our own agendas.
Our Mission
To help you take control of debt and achieve financial freedom
Getting into debt can happen to anyone, all it takes is a few missed payments and before you know it, you can find yourself overwhelmed by debt, your credit score destroyed, and the stress starts to take control of all aspects of your life.
Asking for help is the hardest part. It’s easy to feel embarrassed, but we’ve helped 100s of customers over the past ten years to become debt free and we can help you too.
Everything starts with a discreet and confidential risk free Credit Assessment to identify your credit woes. Once we understand your personal situation, we will tailor a strategy for improving credit, reducing debt and managing any repayments.
This credit assessment process costs you absolutely nothing, you are under no obligation to move ahead with our recommendations. Whether or not you come on board with us, you will learn valuable insights into your credit situation.
What do you have to lose? Let’s chat, we promise you it’s the first step towards taking back control of your financial situation.
What Fix Bad Credit can do for you
Repair and improve your credit score
A low credit score could be costing you money, with the risk of being offered higher interest rates, or even worse, refused credit altogether. But the Fix Bad Credit team can help you improve your credit, ensuring you are in the best possible position when applying for new credit with a range of credit repair solutions.
Stop the debt collector calls
Contact Fix Bad Credit for help and we’ll immediately stop the barrage of debt collector calls, giving you breathing space to work with us on an affordable debt repayment plan. You’ll reduce your stress and no longer need to worry every time your phone rings.
Reduce your debt by up to 90%
The Fix Bad Credit team has an enviable record of successful negotiation with creditors to reduce debt owed by up to 90%, turning the remaining balance into low affordable regular interest-free repayments, without impacting your credit score.
Make a single regular affordable payment
Are you struggling to keep on top of all your debt repayments? The Fix Bad Credit team can negotiate with your creditors for a payment plan, where all you have is one payment each month that you can reasonably afford, making it far easier to manage and much harder to forget.
Receive Bankruptcy assistance
Sometimes bankruptcy is the best option for your long-term financial freedom. The Fix Bad Credit team will help you explore what options work best for your unique situation. If you choose Bankruptcy is the option you choose, we have the team to ensure the process is as stress free as possible with minimal impact on your day-to-day life.
Become Debt Free
After working with Fix Bad Credit, you’ll be able to sleep easy, knowing exactly how and when you will be debt free and on your way to financial freedom.
How It Works
Becoming Financially Free Is Easier Than You Think

Step 1: Identify
Asking for help is the hardest part. Which is why you get a personal debt and credit solution expert to confidentially review your unique situation and work with you every step of the way

Step 2: Plan
We then work with you, providing options for improving your credit, reducing debt and managing any repayments

Step 3: Repair
We can then assist with your chosen options each step of the way, implementing your unique credit and debt solution strategy

Step 4: Monitor
We offer an on-going service to continue to monitor your credit situation, regularly reviewing any changes to your credit score and identifying potential problems before they affect your financial well-being.
Associations & Affiliates
Case Studies & Results
How we helped EM to eliminate $55,189 of debt for $9,500 in 12 weeks.
EM (name has been changed for privacy purposes), a school Teacher, had recently been through a separation, and found herself left with the debt that her and her partner had spent on setting up their lives together.
EM discovered that not only did she have defaults on her credit report, but it would take her over five years to pay back the debt – and that’s without interest being added. She was feeling overwhelmed by it all and resigned to only ever being able to rent.
How We Helped:
Luckily, EM contacted us at Fix Bad Credit. Her Fix Bad Credit personal debt solution expert assessed her situation and explained some recommended options. After carefully considering her options, EM decided to go ahead and asked us to assist her with the tailored debt solution option she felt best addressed her situation.
12 weeks later the $55,189 debt was settled for a lump sum payment of $9,500. EM is now looking forward to starting the hunt for her own home, 5 years earlier than she thought possible
How We Helped Jeff M To Remove Defaults & Secure Finance
How we helped:
- We negotiated with all three credit providers
and arranged for the three default listings to be removed. - This had the immediate effect of increasing Jeff M’s credit score by 395 points to 807.
- With a clean credit report and an increased credit score.
After working with Fix Bad Credit Jeff M was now able to secure finance for his business.
Been declined for credit or struggling with debt? Let’s change that
If you have been declined for credit because you have an issue on your credit report, or debt is something you would like to eliminate, then you aren’t alone.
Fix Bad Credit have put together an extraordinary team of dedicated and passionate individuals that have helped thousands of Australians change their financial situation for over a decade, and we are serious about changing your situation too. The only question is, are you?
If debt, defaults, repayment history information, enquiries, court judgements, or a low credit score is preventing you from living the life you deserve, then it’s time we fix it.
Debt relief and Credit Repair Australia-wide
Fix Bad Credit has helped thousands of Aussies change their financial situation for more than a decade. Over many years of industry experience we have developed the best process for credit repair Australia and debt solutions in the business. We pride ourselves in making sure we offer everyone a tailored solution for their own unique situation. Fix Bad Credit has a near 100% success rate, making us the industry leaders in credit repair in Australia, offering credit restoration and debt solutions. If you require default removal, Repayment History Information removal, enquiry removal, court judgement removal, improving your credit score, and eliminating your debt, Fix Bad Credit delivers a 5 star Google rating with our no win no fee 100% Guarantee. If Credit restoration is something you need, we deliver at no risk to you.
The world of professional credit repair is changing with the arrival of Fix Bad Credit. Our innovative strategies provide the opportunity to help thousands of Australians improve their credit score and eliminate debt with our unparalleled industry experienced handpicked experts providing 24/7 support. If it’s risk free results you want in changing your financial situation, we are ready to turn things around for you, are you?
Want to change your financial situation?
If you have been declined for finance because of information on your credit report, it’s not the end of the road. We have a highly skilled team of credit repair experts to assist you with credit repair in Australia. We have helped thousands of people over the past decade go from being declined to approved for finance. My only question is, will you be our next success story?
We live in a country that has one of the highest ratios of personal debt in the world. Getting into debt is easy, getting out of it can be challenging. If your life would benefit from reducing debt between 40% – 100% we are ready to work with you to make that happen. This can save you thousands in dollars and years in time. You have nothing to lose and everything to gain. We have bought together the best in the business to ensure you have the best results possible. Our highly skilled team of credit repair and debt solution experts are ready to change your financial situation.
Frequently Asked Questions
Can I really become debt free?
Our experienced team have been helping Australians get out of debt for over 10 years. No matter your unique situation, we have a solution to help you achieve a debt free life.
How can Fix Bad Credit help me with my debt?
Fix Bad Credit’s mission is to help you take control of your debt and achieve financial freedom. We will undertake a free confidential assessment of your current finances, taking the time to fully understand your unique financial situation to tailor the best debt solution options to meet your needs. We provide you with as much information as possible upfront, so you can make an informed and confident decision about the debt solution that’s best for your particular circumstances and budget. We then deal directly with your creditors, you only deal with the same friendly credit and debt solution expert that you have since day 1. We take care of the pain, so you can get on with living.
Does it cost to check my credit score?
No, you can request a free copy of your personal credit report online from the three Credit Reporting Agencies.
- Equifax (previously known as Veda).
- Experian Australia
- Illion (formerly trading as Dun & Bradstreet Australia)
Alternatively, you can contact us, and we can order your credit reports on your behalf, at no cost.
How do I stop the debt collector calling me?
How much of my debt will I need to pay back?
Fix Bad Credit has a proud history of helping our members reduce the debt they need to repay by 40% – 90% of what they owed before contacting us. Every situation is different, but the sooner you reach out, the sooner we can assess your particular situation and provide the best debt solution options available to meet your particular circumstances and budget.