Credit Repair in Australia

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Do you need help to fix your credit? Have you checked your credit report or credit score and discovered it could do with improving? Or perhaps you’ve applied for a mobile phone plan, a loan or credit card and you’ve been declined.

Your credit report (also known as credit file), and the related credit score (or rating), is a record of your history with managing credit and paying your bills on time. Banks and other potential credit providers use this information to determine how creditworthy you are, or the likelihood that you will pay back any money that they lend you.

What is a Credit Score?

Your credit score sums up the information on your credit report into one number, designed to represent your credit risk, or the likelihood that you will pay your bills on time. The higher the score, the more creditworthy you’ll likely appear to reputable financial institutions, like banks.

Credit scores are based on the information in your credit report at a point in time and can change throughout your life. There are a number of different credit scores and scoring models. If you find out your credit score through a credit reporting agency like Equifax, you will receive a number between 0 to 1,200, while Experian and Illion provide a number between 0 to 1,000. Because of the different ways the credit reporting agencies access your information and then calculate your credit scores there can be there can be discrepancies between your Equifax, Experian and Illion credit score, so it pays to check all three for any concerns.

Credit Score

Can I repair my own credit?

Got bad credit? Bad credit can easily cost you tens of thousands and even hundreds of thousands of dollars in your lifetime in extra interest repayments and fat fees. The good news is you can Fix Bad Credit.

We’re not going to lie, trying to fix your own bad credit is not easy and it can also depend on what shape it is in to start with. The first step to rebuilding your credit score is to order a copy of your credit report. You can get a free copy of your credit report from a credit reporting agency, once a year, alternatively Fix Bad Credit can order them on your behalf.

Once you have your credit report and carefully checked it, here are a further 5 things that can be done to improve your credit score but remember that only information listed in error can be removed or changed on your credit report.

Correct your personal details – Your current address, employment history and full names have to be accurate so as to prevent incorrect listings and to protect you against having your identity stolen.
Identify and deal with incorrect listings – Listings made in error can include debt listed twice, accounts that belong to someone else or debts incorrectly listed as defaults. If there are any incorrect or duplicate listings on your credit report, you can get them removed.
Keep up with any current payment arrangements to ensure your repayment history information is favourable – If you find yourself in a situation where you are struggling to make payments on time, the worst thing you can do is bury your head in the sand. Not making a payment when it’s due can impact your credit report and score for up to 7 years. If you find yourself struggling, please contact us for help before it turns into a problem.
Consolidate your debts – If you are having trouble keeping up with repayments on your loans, you can consolidate them into a single debt account for easier repayments, and to prevent adverse repayment history information, or default listings being added to your credit file. Contact Fix Bad Credit and we can help you with this.
Consider financial counselling – Free financial counselling is available to help you manage your finances better, and help you avoid getting into unnecessary debt that you could struggle to pay, potentially impacting on your future credit score. You can contact a free financial counselling service on the National Debt Hotline at 1800 007 007.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt Repair in Australia will carefully assess your personal and financial situation so we can tailor a personalised debt solution package to best meet your goals. Your personalised debt solution package will contain options to help you take back control of your debt and start you on your journey to financial freedom.

If you are desperate to get debt help in Australia, we are just a call away. If you are faced with challenges paying money you owe, our team of experts can assist you with a detailed evaluation of your options. Dependent on your specific circumstances there are both informal and formal debt solution options available to you. The Fix Bad Credit team is experienced in providing all types of debt help in Australia.

Credit Check
Credit Assessment
Credit Review

Credit Improvement

Default Removal
Judgement Removal
Enquiry Removal
Serious Credit Infringement Removal
Repayment History Information

Our Credit Repair Experts will…

Benefits Of Working With Fix Bad Credit

No more missed payments – unlike before when you had several bills to pay with different due dates, the Fix Bad Credit team in Melbourne can put together a payment plan for you where all you have is one payment each month, making it far easier to manage and much harder to forget.

Fix Bad Credit – The team at Fix Bad Credit in Melbourne will negotiate a repayment plan with your creditors that makes it easier for you to make your repayments on time and in full, demonstrating good repayment habits and avoiding defaults through late payments, improving your credit score.

No more annoying calls from creditors – lenders enlist the help of debt collectors to help collect payments from people who haven’t been paying up or who have a history of paying late. When you sign up with Fix Bad Credit, expect any calls from creditors to stop.

Get Your Free Credit and Debt Assessment Now

    Upload your Credit Report (if you have)


    The Fix Bad Credit Way

    Whether you’re looking to improve your credit score or review your current financial situation, the Fix Bad Credit team can help you with a plan that will be tailored to your personal circumstances, wherever you’re located in Australia. We will work with you to understand your individual circumstances so that we can provide the best plan for you. It is our mission to get you back to living your best life and we will stay on the journey with you.

    For over a decade, the professional team at Fix Bad Credit have provided their unparalleled expertise in assisting everyday Australians, just like you, to ensure they are in the best position possible, as we work with you to get approved for credit.

    Reviews

    Excellent4.8 Based on 39 reviews from review us onchoranai Gochezchoranai Gochez ★★★★★ Fix bad credit helped me get a default off my file and it was done over the weekend! I’m so happy with the level of service and how they explained everything to me. Would highly recommend!Andy GriffithAndy Griffith ★★★★★ I contacted a broker to get finance for a house and found out that I have a default on my credit report, they will stop me getting finance, my broker told me to contact fix bad credit which turns out to be great advice within one week they have remove the default from my credit report and now I can get my finance.Bukassa BelotiBukassa Beloti ★★★★★ I had an issue with my credit report and i got it fixed within 2 weeks. Excellent work.Ashlee HawkinsAshlee Hawkins ★★★★★ Cleaning up my credit rating is something I had been wanting to do for a while, but I wasn’t in a good position to. Things have changed and it was time to clean up my credit rating, I had also been putting this off due to the thought of it being stressful and costly. I contacted Fix Bad Credit and arranged a time to go over my credit rating, as soon as I got off the phone to Fix Bad Credit, I felt a massive sigh of relief. The customer service is something I’ve never received before along with the education they give you about your credit rating to continue to improve and not damage your credit rating. I highly recommend this company and will continue to for many years.Robert BellRobert Bell ★★★★★ I’m going for a mortgage and I had a few problems on my credit report, the team at fix bad credit helped me out and had everything done in a week,big thanks to CJ Espeically very helpful guy and would highly recommend to anyone looking at getting there credit file fixed.slothbrah zyzzslothbrah zyzz ★★★★★ I Would highly recommend the team at fix bad credit ,we were on the verge of losing our deposit and land due to a default and thank to the team the default has been removed.Alex OxborrowAlex Oxborrow ★★★★★ I approached Cj and the team and Fix Bad Credit with multiple issues on my credit score, from the very first phone call I had with Cj he was very helpful and informative, he also understood why I was in the situation I was in and was more than willing to help, he knew I wasn’t able to pay money up front and was more than happy to let me go into a payment plan which has helped me a lot.Baljit KaurBaljit Kaur ★★★★★ Highly recommend, fantastic services, brilliantHelped us refinance property ,So gladThank youedward gondoredward gondor ★★★★★ Having Cj Credit repairs help me to restore my credit score so that I would be able to apply for loans and also be able to build a house is honestly a good feeling. This would have taken me 5 years until it could be cleared out but now it only took me a few weeks. I'm glad that they were able to resolve and fix my credit score even though it took a lot of back and forth with them and also with Panthera finance its all about patience and at the end the job was done. i would recommend them to anyone.BreeannaBreeanna ★★★★★ I had a bad credit rating, and came across Fix Bad Credit. They went above and beyond to help me, made it all so easy. I can’t recommend them enough to anyone!Tony DelittleTony Delittle ★★★★★ I had an issue caused by someone else.CJ and the staff at Fix bad credit were nothing short of outstanding. The understanding there knowledge and the compassion they gave me was sensational. They took the problem on, researched it and fixed it. From my experience these guys are the best in the business and highly recommend them.Thanks CJ you are No 1.cameron williamscameron williams ★★★★★ I knew I had bad credit and it was something I had been avoiding for a long time. I stumbled upon CJ and the fix bad credit team by accident, and needless to say it was the best thing to happen to me. From the first point of contact to having my credit score repaired and looking good was a total of 17 days! The communication from CJ was easy to understand and regular. Since getting my score repaired he has also helped with brokers and getting me the finance I wanted! I couldn’t be happier and I can not recommend the fix bad credit team enough! All it takes is one phone call.Jeremy SmithJeremy Smith ★★★★★ Impossible to overstate the importance of engaging the financial services sector with someone that understands how it works and the motivation of those involved. Carey has that knowledge in spades, knows how to use it to his clients best advantage and facilitate successful outcomes. His tenacity is frightening and I cannot recommend highly enough using FBC to champion what appear to be lost causes, and more importantly - win.James SmithJames Smith ★★★★★ Had to use 'fix bad' due to a couple of mistakes on my credit score. CJ was brilliant, quick, and effective and could not recommend him higher.Sana NazreenSana Nazreen ★★★★★ When I reached out to CJ from Fix Bad Credit for enquiry removal information, CJ had given me the right advice and spent over half an hour with me for free and helped me save money as none of the enquiries were harmful, they just needed some time and also shared tips on how to improve the credit score. Thank you CJ! Highly recommended.Deana PoggiDeana Poggi ★★★★★ They were very helpful, kept me in the loop with what is going on! Definitely well worth it if anyone is hesitant about their credit!Jorden OrtezJorden Ortez ★★★★★ I found CJ to be professional, informative and able to offer an incredible service. Before my initial discussion with CJ, I had no idea how credit works. I have a 6 figure income and my credit score remained low, even after paying off debts/bills on time for the past 4+ years.After one consultation, we derived a plan on how to remove defaults, half my debts and refinance my loan to a company that report repayments. (Ultimately increasing my credit score)Purchasing a home looked impossible, until now.Can’t thank this business enough for the knowledge and service they’ve provided me.Hafiz Abdur RehmanHafiz Abdur Rehman ★★★★★ My dealing with CJ Horne was great. He spent some time on my file and advised me the best possible solution for my situation at the moment free of cost. I really appreciate his approach and honest piece of advice.Larissa ThurleyLarissa Thurley ★★★★★ Unfortunately sometimes life happens.. sometimes you win... and sometimes someone sets up a fraud account in your name and you don’t find out until your financing your car!Rather than going via the long winded usually roots which take up to 3-6 months to remove fraud activity on a credit record- the team was able to remove this for me in less than 2 weeks!!!I was able to secure my car in time and at a lower rate. All thanks to CJ. 🙂Brooke ClarkeBrooke Clarke ★★★★★ CJ was amazing! Instead of trying to sell me something we didn’t need, he has directed us to someone who could actually help us get the proper finance options we needed. Thank you for doing the right thing and help us get to where we need to be.Luke RadinLuke Radin ★★★★★ 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 CJResponse from the ownerHi Luke,we appreciate your feedback with your experience. We hope it empowers other people in your situation to make the choice you have. We are excited for you and your future now you have made your credit report work for you and not against you.Good luck with the road ahead.Regards, Fix Bad Credit solutions team. luke messineoluke messineo ★★★★★ 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 recommendAqueel HaisamAqueel Haisam ★★★★★ 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!Chantelle MittzChantelle Mittz ★★★★★ 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!Response from the ownerHi Chantelle, well done you on making the great decision to change your financial future. It was a pleasure to work with you in making this happen. We wish you all the best with the journey ahead. Congrats. Jimmy WilliamJimmy William ★★★★★ Amazing Team of people working hard & truly passionate about getting people back on track to excellence. Thank you for your servicesResponse from the ownerHi Jimmy, well done on increasing your credit score above 900 and opening the door to life changing opportunities. The Fix Bad Credit team are extremely excited about your journey and look forward to seeing you living your dream life. Well done Jimmy. Kate ZitutaKate Zituta ★★★★★ Had a good experience, Fix Bad Credit has been helpful, good communication, provided knowledge and financial advise as well as providing goods customer service.Andrew PadayachyAndrew Padayachy ★★★★★ 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 youJames TippingJames Tipping ★★★★★ 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 CJResponse from the ownerHi Jim, we loved assisting you turning things around. Well done . Home DecoreHome Decore ★★★★★ 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,CamResponse from the ownerHi Cam, it was a pleasure helping you on your journey to your 1st home. Don't forget to send us pics. We are extremely for you and your future. Congrats . Rocky ChenRocky Chen ★★★★★ James has really showed his utmost professionalism, got my credit issues fixed as quick as only 3 weeks. They are highly recommended.RICKY BRICKY B ★★★★★ 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!!!Kellie Lyndon-JamesKellie Lyndon-James ★★★★★ 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.Ignite Global GroupIgnite Global Group ★★★★★ 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.js_loader

    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.