Credit Repair in Adelaide

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Have you recently heard about credit scores and are curious to know more? Or have you been refused credit because of your bad credit score and you didn’t even know you have one? Well, you’re not alone, in fact it is estimated that over 70% of people in Adelaide either don’t know their credit score or don’t know that they even have one.

Your credit score is a measure of your past ability to manage money. Getting into debt can happen to anyone, all it takes is a few missed payments and before you know it, it’s impacting your credit reputation, lowering your credit score.

Is bad credit getting in the way of you living your best life in Adelaide?

Why you should check your credit report regularly

Your credit report is an indicator of your credit health. If you remember nothing else, remember this…you should check your credit report regularly and learn how to improve it and protect it.

We all know we should go to the doctor for a health check-up regularly. They might check your blood pressure, heart rate, take a few tests and then provide you with a result. Likewise, your credit report is a helpful tool to stay on top of your financial health. It lets you know if your money habits are on track to qualify for a mortgage, personal loan, and car loan, start a business, and, in some cases, secure that dream job.

If you are considering applying for any of these, it is a good idea to check your credit report before you apply, as it will help you avoid receiving a rude surprise if you are declined. If you discover that your credit report could do with improving, all is not lost. Wherever you are in Adelaide, you can work with the Fix Bad Credit team to improve your credit today.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt help in Adelaide 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 South 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 Adelaide.

Ways to maintain a healthy credit report and score

Keeping your credit score healthy may be greatly helped by adopting the following 5 habits.

1. Paying bills and loan repayments on time.
By paying all your bills on or before the due date, a record of consistent and punctual payments will help significantly towards maintaining a healthy credit report. If you miss a payment, this can leave a black mark on your credit report and reduce your credit score. If you don’t think you’ll be able to make a payment on time, contact your lender or service provider and make alternative arrangements.

2. Paying your credit card off in full each month.
Getting into the habit of paying your credit card off each month is good for your credit score and for your overall financial goals. It also shows lenders that you have a good track record of being responsible with credit. If you are going to use your credit card for something that will take you longer than a month to pay off, look for a card with a lower interest rate and pay as much as you can each month rather than just the minimum monthly repayment.

3. Avoiding making excessive credit enquiries.
Every credit enquiry, approved or not, will be included in your credit report for five years, which in turn may affect your credit score. Many lenders consider multiple credit enquiries, particularly in a short period of time, as indicative of a greater risk and it may impact whether they approve your credit application. It’s important to note that a credit check, by a company like Fix Bad Credit, is not counted as a credit enquiry.

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4. Paying off outstanding loans and debts as soon as possible.
Paying off outstanding loans and debts as soon as possible not only reduces your interest costs, but it establishes a good track record of using and repaying credit. This helps strengthen your credit report and score.

5. Consolidating debts.
If you have multiple loans or credit cards, consider combining them into one. You may be able to have one larger loan at a lower interest rate and you’ll only be paying one set of fees. This may reduce your costs and simplify your repayments. It may also be considered by lenders as indicative of responsible credit use. Just take care that you’re not extending short term debt over a longer term as you may end up paying more in the long run.

We offer a range of credit repair solutions for people in Adelaide

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Credit Check

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Credit Assessment

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Credit Review

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Credit Improvement

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Default Removal

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Judgement Removal

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Enquiry Removal

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Serious Credit Infringement Removal

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Repayment History Information

It’s important that you’re not just left to it once we’ve fixed your current credit situation. Fix Bad Credit will continue to work with you to keep you in the best financial shape possible, monitoring your credit score and identifying potential problems before they affect your financial health.

Our Credit Repair Experts in Adelaide will…

Identify Your Current Credit Situation

Your own personal credit repair Adelaide expert will review your credit score and report for free, identifying your credit issues and assessing how you can improve your credit worthiness. Fix Bad Credit has a professional relationship with the credit reporting agencies in Australia and a great understanding of how information in your credit report can be impacting your credit score.

Provide Options For Improving Your Credit Score

Your history of managing credit may prevent you from obtaining finance for 2 – 7 years. You will receive personalised, individually tailored options for you to consider for improving your credit.

Work To Improve Your Credit

Your personal credit repair Adelaide expert will then gain a clear understanding from you on the circumstances in your life at the time of the negative listing(s). The Fix Bad Credit legal team will then request the over 70 checkpoints and documents from your creditors. Once they receive these they will review, investigate, and audit each checkpoint to identify legislative and compliance breaches. We then notify the credit provider of the breach, requesting it be removed.

Support You To Get Future Credit Applications Approved

Benefits Of Working With Fix Bad Credit

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No more missed payments – unlike before when you had several bills to pay with different due dates, the Fix Bad Credit team in Adelaide 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.

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Fix Bad Credit – The team at Fix Bad Credit in Adelaide 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.

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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

Don’t let bad credit make you miss out on opportunities in Adelaide

Wherever you are in Adelaide, you can work with the Fix Bad Credit team to repair your credit today. Asking for help is the hardest part. It’s easy to feel embarrassed when it comes to money, but we’ve helped thousands of customers over the past ten years to improve their credit. We can help you too.
Everything starts with a discreet and confidential risk-free credit assessment to identify your unique credit woes. Once we understand your personal situation, we will tailor a strategy, just for you, to improve your credit, reduce any debt and manage any repayments. It is our mission to get you back to living your best life and we will stay on the journey with you.

Reviews

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.

Andy Griffith

04:33 05 Nov 23

I had an issue with my credit report and i got it fixed within 2 weeks. Excellent work.

Bukassa Beloti

04:20 28 Oct 23

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.

Ashlee Hawkins

04:45 27 Oct 23

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.

Robert Bell

04:58 24 Oct 23

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.

Frank

11:50 19 Oct 23

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.

slothbrah zyzz

03:14 19 Oct 23

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.

Alex Oxborrow

01:15 19 Oct 23

Highly recommend, fantastic services, brilliantHelped us refinance property ,So gladThank you

Baljit Kaur

02:53 17 Oct 23

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.

edward gondor

01:50 17 Oct 23

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!

Breeanna

10:10 16 Oct 23

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.

Tony Delittle

22:29 13 Mar 23

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.

cameron williams

05:12 10 Feb 23

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.

Jeremy Smith

02:22 23 Jan 23

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.

James Smith

04:43 17 Jan 23

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.

Sana Nazreen

23:51 29 Nov 22

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!

Deana Poggi

08:34 25 Nov 22

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.

Jorden Ortez

14:09 22 Oct 22

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.

Hafiz Abdur Rehman

11:56 28 Aug 22

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. 🙂

Larissa Thurley

08:33 23 Aug 22

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.

Brooke Clarke

10:59 15 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

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

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

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 Mittz

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

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

02:18 09 May 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

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

05:11 02 Mar 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

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

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

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

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

06:40 21 Jun 21

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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.