Credit Repair
in Melbourne

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Don’t let bad credit get in your way in Melbourne

If you are considering applying for a new credit card, personal loan, vehicle finance, or mortgage, 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. After all, your lender has access to your credit report, so why shouldn’t you?

If you discover that your credit could do with improving, all is not lost. Wherever you are in Melbourne, you can work with the Fix Bad Credit team to improve your credit today. Once we have helped you improve your credit you will be in a better position for your application to be approved.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt Repair in Melbourne 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 Victoria, 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 Melbourne.

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








Serious Credit


How is your credit score calculated?

The three major credit reporting agencies in Melbourne – Illion, Experian and Equifax, use their own complicated algorithm, or calculation, to calculate your credit score, based on the information in your credit report at the time of calculation. Both your negative and positive credit-based behaviours are included in the calculation.

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. 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.

Our Credit Repair Experts will

Identify Your Current Credit Situation

Your own personal credit repair Melbourne 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.

Work To Improve Your Credit

Your personal credit repair Melbourne 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

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 well-being.

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.

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 Bruce make his Business Boom

Bruce is a successful business owner, with offices in Sydney and Melbourne. To grow his business further, Bruce recently needed to raise capital by getting a loan. However, he discovered to his shock that defaults on his credit report were preventing him from getting his loan approved. This had the potential to cost his business hundreds of thousands of dollars.

Luckily, Bruce’s Broker put him in touch with the team at Fix Bad Credit, who used their in-depth knowledge of the latest credit legislation to identify errors in his credit report. We contacted his credit provider and quickly negotiated to have the defaults removed. Bruce soon managed to obtain the finance he needed to invest in growing his company and now business is booming!

Are you interested in us helping you like we helped BRUCE

Why does good credit matter?

If your credit history is good and you have a high credit score, you’ll qualify for a lender’s best rates and terms. Your email inbox will be stuffed with low rate offers from credit card issuers, and mortgage lenders will fight for your business. You’ll get great deals on vehicle financing if you need a car, home loans if you want to buy a house or invest in property, and business loans if you decide to start your own business.

However, if your history of managing credit is bad and your credit score is low, you’ll constantly fight an uphill battle where mainstream credit is nearly impossible to come by. If you find someone prepared to lend you money, you’ll pay high rates and fat fees for the privilege. If your credit is bad, we suggest you try to fix it before applying for a new loan.

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

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 Melbourne. 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.

How It Works

Becoming Financially Free Is Easier Than You Think


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


We then work with you, providing options for improving your credit, reducing debt and managing any repayments


We can then assist with your chosen options each step of the way, implementing your unique credit and debt solution strategy


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.

Take Control of Your Debt and Start Living Financially Free

Get your free credit and debt assessment and consultation with our experienced team. You’ll receive tailored recommendations at no cost and with no obligation.