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



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      An opportunity came knocking and I needed to access equity in my property to take advantage of this. A default on my credit report had me thinking I was going to miss out. My broker told me he knew the best in the business and put me in touch with Fix Bad Credit. My broker was right. They exceeded my expectation. Can not recommend them enough. Great work team.
      Gunther Heidi
      Gunther Heidi
      17:57 12 Aug 22
      Thanks to the team art Fix Bad Credit my young family are moving into our 1st home. These guys are the best in the business. Thank you. Brilliant job.
      Gunther Heidi
      Gunther Heidi
      17:55 12 Aug 22
      I tried to rectify this myself. Even going through AFCA I could not get the default removed. Fix Bad Credit however got the job done. Brilliant.
      Sophia Neudorf
      Sophia Neudorf
      17:39 12 Aug 22
      I highly recommended Fix Bad Credit is very fast and excellent 👌 service.
      Col Gats
      Col Gats
      11:09 12 Aug 22
      Very helpful and beautiful ❤️ service..
      Grace Harper
      Grace Harper
      14:43 07 Aug 22
      When I was struggling with my credit, I didn't know who to turn to. I had heard of Fix Bad Credit, but I didn't know if they could really help me. But I decided to give them a try, and they completely blew me away. In just a few weeks, they were able to clear up all the mess that the other company had made. I'm so happy that I went with them - they saved me from a lot of hassle and stress. Thank you, Fix Bad Credit!
      Grace Eva
      Grace Eva
      07:17 05 Aug 22
      My credit card debt was killing me. I was considering bankruptcy, or a part 9 debt agreement. A friend recommended I speak with Fix Bad Credit. They discussed all my options. Within 6 months Fix Bad Credit had eliminated my debt and changed my life. Fantastic job. Highly recommend this service to anyone in debt or has issues with their credit report. I no longer have either. Fix Bad Credit are the real deal.
      Grace Eva
      Grace Eva
      11:41 04 Aug 22
      The guys from fox bad credit did a great job.. I wouldn’t go to anyone else these guys know what they are doing. I did initially have a complaint about them but I clearly jumped to conclusions and CJ dealt with it professionally and really helped me out.. thanks CJ
      Luke Radin
      Luke Radin
      06:05 12 Jul 22
      I had a very good experience with fix bad credit who gave me good honest advice an helped me to fix my credit rating. Thanks.Highly recommend
      luke messineo
      luke messineo
      01:50 04 Jul 22
      Helped me double my Credit Score in span of less than 3 months. The team are so good at what they do. Definitely recommend them to everyone!
      aqueel Haisam
      aqueel Haisam
      02:36 29 Jun 22
      ONE WORD... AMAZING!CJ was just phenomenal to deal with, from start to finish and constantly reassured me that he would get it all sorted for meI had so many questions and he was beyond patient throughout the entire process (which was so damm easy might I add) and literally had everything fixed up within less than half the time originally advised.These guys are incredible at what they do and would defiantly 100% recommend to anyone.Genuinely changed my life so thank you!
      Chantelle Maria
      Chantelle Maria
      07:41 08 Jun 22
      Amazing Team of people working hard & truly passionate about getting people back on track to excellence. Thank you for your services
      Jimmy William
      Jimmy William
      20:34 29 May 22
      Had a good experience, Fix Bad Credit has been helpful, good communication, provided knowledge and financial advise as well as providing goods customer service.
      Kate Zituta
      Kate Zituta
      02:18 09 May 22
      I’m so glad I found Fix Bad Credit. They helped me get my life back on track and kept fighting for what was rightfully mine until finally, everyone else gave in! Thank you CJ -you're the best!!
      Bill Thomas
      Bill Thomas
      09:52 26 Apr 22
      Fix bad credit made my day. The reoccurring spending habits that controlled my life were identified and have now been put in touch with the help I needed, this couldn’t have come sooner . Thank you
      Andrew Padayachy
      Andrew Padayachy
      04:06 16 Apr 22
      CJ was amazing. It's been a long process to fix my credit due to mistakes at a young age. So many other places were happy to take my money with no guarantee they will have success in helping. CJ told me plain and simple what I need to do and what will help. He didn't charge me a cent either. Gave his honest opinion woth a good 30 minute phone call and thoughts on what will genuinely help. I am going to put all this into place and give him a call in 6 months to discuss future moves towards buying a house. We all make mistakes in life and stress I've them. It's people like CJ that make you feel calm and believe it will all be ok with some solid advice. Thanks again CJ
      James Tipping
      James Tipping
      05:11 02 Mar 22
      I could not be happier with the result. I’d recommend Fix Bad Credit to anyone. Amazing.
      Elise Gracie
      Elise Gracie
      06:03 19 Feb 22
      Another company made a complete mess of this. Fix Bad Credit took care of it in a matter of weeks. Could not be happier.
      Adele Barbara
      Adele Barbara
      07:21 13 Feb 22
      I needed 2 defaults removed ( paid defaults ) and CJ produced the goods. Both defaults have now been removed and I can safely apply for finance for my home.Thanks once again mate. All the stress has been lifted !Cheers,Cam
      Home Decore
      Home Decore
      03:52 15 Dec 21
      James has really showed his utmost professionalism, got my credit issues fixed as quick as only 3 weeks. They are highly recommended.
      Rocky Chen
      Rocky Chen
      03:54 27 Jul 21
      Myself and my partner engaged another credit repair company to assist with default removals, and cleaning up the credit file.Unfortunately they took our money, and that was all. The ombudsman became involved, but in the end we were left with nothing.The Fix Bad Credit team offered to help. And they certainly did that. Credit score is now above 800 and they are now assisting us with a $60k debt.It’s been life changing. I strongly recommend if you have debt, or credit issues, to reach out to the team at Fix Bad credit. Thanks again Carey absolute legend!!!
      RICKY B
      RICKY B
      07:54 13 Jul 21
      I went to the Fix Bad Credit team as I was living with the burden each month trying to pay back debt due to unforeseen life circumstances that had occurred over the last few years which often led me taking time off work and only making the minimal payments. As a single parent I felt I wasn't getting anywhere. The Fix Bad Credit team have negotiated a massive saving for me and managed to consolidate the remaining debt into monthly affordable payments without interest being incurred. Any issues I may have had on my credit report and have now been removed. I look forward to being able to purchase a home in the future which wouldn't have been possible before. Thanks so much Fix Bad Credit Team, super grateful.
      Kellie Lyndon-James
      Kellie Lyndon-James
      02:00 09 Jul 21
      As a business owner I appreciated the transparency, fast response, professionalism and execution of the Fix Bad Credit team.We had some apprehension using a credit repair service. But after the experience and seeing the outcome, I will be recommending Fix bad Credit to my entire network.
      Ignite Global Group
      Ignite Global Group
      06:40 21 Jun 21
      Fantastic. Defaults removed from Credit report, and now debt free. couldn't have done it without your help. Stoked.
      Ray Hunter
      Ray Hunter
      06:25 21 Jun 21
      The team at fix bad credit brisbane were very friendly and supportive. They were also quick to respond and helped me on my situation with sorting credit card debt. I highly recommend.
      Ken C
      Ken C
      20:47 20 Jun 21
      I couldn't be happier with Fix Bad Credit . After a relationship breakdown I was left with a substantial amount of debt , and ended up with a coupe of defaults , and RHI info on my credit file .13 weeks later I'm debt free, I've been approved for a credit card, and saving for a house.If you need to change your financial situation , these guys are the real deal . Thanks so much
      Kelly Care
      Kelly Care
      09:24 20 Jun 21

      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

      Credit repair

      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.

      Stress relief

      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.

      Debt reduction

      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.

      Debt solutions

      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.

      Bankruptcy assistance

      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.

      Financial freedom

      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 schoolteacher, 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

      When Jeff M. came to Fix Bad Credit he had three defaults on his credit report, two with banks and one with a utility company (Electricity provider). Jeff M. is a Painter, and works as a self-employed sole trader. When these three defaults occurred, Jeff M. had not been paid by a builder for a job he had completed 4 months earlier. This had impacted his cash flow, and his ability to pay his bills. Unfortunately, these defaults had a disastrous effect on his credit report, lowering his previously healthy credit score to 412.

      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?
      Working with Fix Bad Credit, our legal team will contact your creditors, and stop those annoying phone calls, once and for all. Your stress will be less and you’ll no longer need to worry every time your phone rings.
      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.