Credit Repair in Melbourne

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Are you looking for credit repair in Melbourne?

Your credit score (also known as a credit rating) is a number that indicates your trustworthy reputation for being able to repay your bills on time. It is calculated based on the information in your credit report. The higher your score, the more reliable you’ll appear to lenders. A high credit score will make it easier to qualify for mortgages and car loans, start a business, and, in some cases, secure a job. A bad score can lead to creditors being reluctant to lend to you or charging you higher rates.

Striving for a good credit score is one of the most important financial goals to have. A bad credit score could be what stands in your way of you living your best life in Melbourne.

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.

Financial Improvements

Assisting Australians make

Of improvements to their lives in 2022 to date.

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 debt help 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.

Our Aim

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

Credit Check
Credit Assessment
Credit Review

Credit Improvement

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

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

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.

Reviews

After speaking with CJ, I feel more comfortable and relieved that not all hope is lost. They're able to help me recover for a stable financial future!
Jason Feng
Jason Feng
10:05 27 Apr 22
I am so glad I found this website! It has made everything easy and simple for me, they're always there when you need them with friendly customer service. The site offers no hassle access to your credit reports in just a few minutes - what more could someone ask?
William Feng
William Feng
05:12 27 Apr 22
Top marks! I am really pleased with the work you guys have done on my car. It's great that there are people out here who care about doing good quality service for affordable prices, and it looks like i found one in Fix Bad CreditI will definitely recommend your services should any friends or family need help fixing their credit score
Davin Annamalay
Davin Annamalay
13:36 25 Apr 22
When I needed help with my credit, Fix Bad Credit got me approved for the perfect home loan. They are awesome!
MONIKA STEPHEN
MONIKA STEPHEN
07:24 25 Apr 22
Amazing job, so happy with my new car. Have no hesitation in recommending Fix Bad Credit.
Asher Simon
Asher Simon
13:50 23 Apr 22
Fix Bad Credit Melbourne The team at Fix Bad Credit fixed up my credit report, and also took care of my Debt. I recommend them to everyone. Delighted.
Desteni Teteira
Desteni Teteira
13:50 21 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
Jimbo Jones
Jimbo Jones
05:11 02 Mar 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!
Leila Gemma
Leila Gemma
02:32 27 Feb 22
I was so excited when I finally got approved for a new car loan. I had been wanting a new car for a while, but my bad credit had been in the way. But then I found out about Fix Bad Credit and their amazing services. They were able to help me fix my credit report so that I could get the loan I needed. Thanks Fix Bad Credit! You guys are the best!
Marilyn george
Marilyn george
08:17 25 Feb 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
Amazing job. Debt gone now loving life. Thanks Team Fix Bad credit. Fantastic result.
Danielle Wayne
Danielle Wayne
11:32 17 Feb 22
Very fast and professional service from the team at Fix Bad Credit. Thank you.
Shayla Acevedo
Shayla Acevedo
10:31 11 Feb 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.
H Anusha
H Anusha
04:12 05 Feb 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.
Gauge Woodard
Gauge Woodard
08:00 03 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
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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.