Repair Credit in Melbourne

Repair your credit with trusted local experts in Melbourne.
Contact1300 406 172

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.

You can visit our office in Melbourne today.
Suite Number 79 Ground Floor/470 St Kilda Rd, Melbourne VIC 3000, Australia (Click to open link)

Credit Repair Melbourne - Fix Bad Credit

All you need to do is take the first step by calling 1300 406 172 for a free, no obligation credit assessment.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in credit Repair in Melbourne will carefully assess your personal and financial situation so we can tailor a personalised package to meet your goals best.

Your personalised package will contain options to help you regain control of your credit and start your journey to financial freedom.

Melbourne credit repair fbc 5 - Fix Bad Credit Melbourne

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…

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)

    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.


    CJ was great to deal with, professional, super responsive and friendly. Very knowledgeable and kept me in the loop through the process, very satisfied.
    Cameron Price
    Cameron Price
    Highly recommend, fantastic services, brilliantHelped us refinance property ,So gladThank you
    Baljit Kaur
    Baljit Kaur
    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
    Tony Delittle
    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
    Jeremy Smith
    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
    Jorden Ortez
    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.
    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
    Larissa Thurley
    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
    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
    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
    Chantelle Mittz
    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
    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
    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
    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

    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.