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
After speaking with CJ, I feel more comfortable and relieved that not all hope is lost. They're able to help me recover for a stable financial future!
Jason Feng
Jason Feng
10:05 27 Apr 22
I am so glad I found this website! It has made everything easy and simple for me, they're always there when you need them with friendly customer service. The site offers no hassle access to your credit reports in just a few minutes - what more could someone ask?
William Feng
William Feng
05:12 27 Apr 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!!
Stephen Tso
Stephen Tso
09:52 26 Apr 22
We found ourselves in a spot where we needed help getting our mortgage refinanced, and after looking around at different companies without any real success until Fix Bad Credit came along. They really helped us out when other ones couldn't make it happen for awhile!
Danny Lia
Danny Lia
06:57 26 Apr 22
Top marks! I am really pleased with the work you guys have done on my car. It's great that there are people out here who care about doing good quality service for affordable prices, and it looks like i found one in Fix Bad CreditI will definitely recommend your services should any friends or family need help fixing their credit score
Davin Annamalay
Davin Annamalay
13:36 25 Apr 22
When I needed help with my credit, Fix Bad Credit got me approved for the perfect home loan. They are awesome!
MONIKA STEPHEN
MONIKA STEPHEN
07:24 25 Apr 22
I don't know what I would do without you! Thank goodness for Fix Bad Credit. You've been a lifesaver and my favoriteperson all in one package, plus some number-crunching skills that really came in handy when it comes to paying off those debts quickly so we can get on with our lives together as man an wife should be - happy!!
Rachel Wood
Rachel Wood
14:18 24 Apr 22
I don't know what I would do without you! Thank goodness for Fix Bad Credit. You've been a lifesaver and my favoriteperson all in one package, plus some number-crunching skills that really came in handy when it comes to paying off those debts quickly so we can get on with our lives together as man an wife should be - happy!!
Leila Gemma
Leila Gemma
11:55 24 Apr 22
I was so excited when I found out about the team at Fix Bad Credit, because not only did they help me fix my credit report and Debt problem but also made it easier for myself in every way possible. They're amazing!!
Joslin Hartley
Joslin Hartley
07:51 24 Apr 22
Amazing job, so happy with my new car. Have no hesitation in recommending Fix Bad Credit.
Asher Simon
Asher Simon
13:50 23 Apr 22
Fix bad Credit got me my home loan approved. Yay. Thanks heaps.
Asher Simon
Asher Simon
10:02 22 Apr 22
Fix Bad Credit Melbourne The team at Fix Bad Credit fixed up my credit report, and also took care of my Debt. I recommend them to everyone. Delighted.
Desteni Teteira
Desteni Teteira
13:50 21 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
Jimbo Jones
Jimbo Jones
05:11 02 Mar 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!
Leila Gemma
Leila Gemma
02:32 27 Feb 22
I was so excited when I finally got approved for a new car loan. I had been wanting a new car for a while, but my bad credit had been in the way. But then I found out about Fix Bad Credit and their amazing services. They were able to help me fix my credit report so that I could get the loan I needed. Thanks Fix Bad Credit! You guys are the best!
Marilyn george
Marilyn george
08:17 25 Feb 22
I was skeptical at first, but Fix Bad Credit really changed my life. My credit score was terrible and I didn't know what to do. But after working with them, my credit score is now in the 700s! They were able to get me a loan for a new car and even helped me get a lower interest rate on my mortgage. Thank you so much for helping me fix my credit!
Marilyn george
Marilyn george
14:49 23 Feb 22
"We were so excited when we found out that we were finally going to be able to buy our own home. We had been renting for years, and it felt like it was time for us to take the next step. But then we hit a snag – our credit score wasn't good enough to get a mortgage.Thankfully, we heard about Fix Bad Credit. These guys are the best in the business when it comes to fixing your credit score. They helped us get organized, and within a few months our score was looking great! We were able to get approved for a mortgage and buy our dream home. Thank you, Fix Bad Credit – you guys are amazing!"
Elise Gracie
Elise Gracie
04:54 21 Feb 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
Amazing job. Debt gone now loving life. Thanks Team Fix Bad credit. Fantastic result.
Danielle Wayne
Danielle Wayne
11:32 17 Feb 22
I wanted a new car but a problem with my credit report was in the way. Thanks Fix Bad Credit for changing that. Fab job well done.
Govinda Raju
Govinda Raju
08:25 15 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.
Jackson Ethan
Jackson Ethan
07:21 13 Feb 22
Very fast and professional service from the team at Fix Bad Credit. Thank you.
Shayla Acevedo
Shayla Acevedo
10:31 11 Feb 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.
Emmalee Schaefer
Emmalee Schaefer
06:31 07 Feb 22
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.
H Anusha
H Anusha
04:12 05 Feb 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.
Gauge Woodard
Gauge Woodard
08:00 03 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
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Financial Improvements

Assisting Australians make

Of improvements to their lives in 2022 to date.

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.

Know How To Fix
Bad Credit With US

Can We Help You? The Answer is YES if You Want To…

Repair and improve your credit score

We can help you improve your credit score. Your credit score impacts your ability to be approved for things like mobile phone accounts, credit cards, vehicle finance, personal loans and mortgages.

Stop Debt Collector Calls

We can help you to stop the barrage of debt collection calls quickly. You’ll reduce your stress and no longer need to worry every time your phone rings.

Reduce your Debt by up to 90%

We can help you reduce your debt by up to 90%, the remaining balance turned into a low affordable regular payment without interest and without impacting your credit score.

Make a single regular affordable payment

We can help to simplify your repayments. We negotiate with creditors to accept a plan so you can repay an amount over a set period of time that you can reasonably afford.

Receive Bankruptcy assistance

Sometimes bankruptcy is the best option for your long term financial freedom. We can help you explore what options work best for your unique situation. If Bankruptcy is the option you choose, we have the team to ensure it’s as stress free and has minimal impact upon your day to day life as
possible.

Become Debt Free

After our assessment, you’ll know exactly what your options are to set you 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.

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.