Credit Repair in Gold Coast

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Are you wondering about credit repair in the Gold Coast? If so, you’re not alone. According to research conducted by Finder.com.au, a total of 73 per cent of Australian respondents either did not know their credit score (65 per cent) or were unaware of what a credit score was (8 per cent).

Yet, your credit score matters, A high credit score will make it easier to qualify for mortgages, personal loans, and car loans, start a business, and, in some cases, secure a job. A bad score can lead to banks being reluctant to lend to you or charging you higher interest rates.

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

What is a credit score?

Your credit score represents your credit risk, or the likelihood that you will pay your bills on time, it is the number lenders use to determine how trustworthy you are as a borrower, that is, how likely you are to pay off a loan.

Credit scores are calculated using information in your credit report at that point in time, including your payment history, the length of your credit history, your credit limits and hard enquiries on your credit report.

The better your history of managing credit the higher your credit score. Generally, you’ll have a better (higher) score if you pay your bills on time and keep your debt balances low. Higher credit scores generally result in more favourable credit terms, such as the interest you will need to pay. Whether it’s a new car, starting a business or buying a home, the reality is that most of us will need to take on debt at some point. But a low credit score might mean that banks refuse to lend you any money or charge you more interest or fat fees.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt Repair in Gold Coast 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 Queensland, 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 Gold Coast.

Busting the Credit Score Myths in the Gold Coast

With so much information online these days, it can be tough to separate fact from fiction. To help we’ve busted five of the biggest credit score myths in the Gold Coast!
Myth 1: Nobody cares about credit scores anyway
This couldn’t be further from the truth. More and more banks, lenders and other credit providers are using your credit score to help them decide whether or not to lend to you, how much they should lend you, and at what interest rate. Your credit score might even stop you from getting approved for a mobile phone or electricity plan.

Myth 2: I can’t change my credit score
You sure can! There are many things that can be done to improve your credit score. Check out our range of credit repair solutions.

Myth 3: I don’t need to worry about my credit score until I get a loan or a credit card
Having a great credit score before you get a loan or credit card may give you the best chance at obtaining the lowest interest rate. We recommend checking your credit score before that big purchase just in case you need help improving it.

Myth 4: If I don’t have debt, I don’t need to check my credit score
This is a dangerous myth! Even if you don’t have any debt you should still check your credit score regularly! An unexpected change in your credit score may be an indicator that something dodgy is going on, the credit reporting agency may have recorded something incorrectly or your identity may have been stolen and someone has taken a loan out in your name.

Myth 5: You and your spouse share a credit score
It’s common to combine bank accounts and open credit cards together when you get married, but just because you’re joining finances does not mean you’re joining credit scores. Be aware though that if your partner misses or is late in repaying a jointly owned debt this might affect your credit score too.

Credit scores can seem complicated, but they don’t have to be. Understanding what your credit score means, and what actions you can take to improve your credit score, is a great first step to your financial freedom.

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The Fix Bad Credit Way

Don’t let bad credit stand in your way of living your best life in the Gold Coast. We offer a range of credit repair solutions that will be tailored to your specific circumstances.
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 in the Gold Coast 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


    How Fix Bad Credit helped Nick start a new chapter

    Nick, a young tradie, recently seized the exciting opportunity to go into business for himself as an electrician. Nick, who had been driving around in a Yaris for a few years, needed a new work vehicle for his new business. Sadly, when he applied for vehicle finance Nick discovered that a few previous bad decisions in life had come back to haunt him.

    Luckily Nick contacted the expert Fix Bad Credit team, and in no time, we were able to use our knowledge of the latest credit legislation to repair his credit. Nick was soon approved for finance and started his new chapter in his new Ute.

    Finding Proactive and Reliable Credit Repair Solutions in Gold Coast is easier than you think

    At Fix Bad Credit we believe in proactive credit solutions that allow you to understand and be aware of any concerns before you even apply for credit.

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

    Reviews

    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
    Brooke Clarke
    10:59 15 Aug 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.
    Daniel Sullins
    Daniel Sullins
    16:26 13 Aug 22
    So good. Life changing. Can not say enough about how Fix Bad Credit changed my life.
    Frank Aachen
    Frank Aachen
    16:13 13 Aug 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.
    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 Brisbane.it 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
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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.