Credit Repair in Perth

Experience credit repair with a leading team dedicated to your financial revival in Perth.

I need help to improve my

Credit Score

I need help to

Eliminate Debt

I need help with

Bankruptcy

Most people in Perth don’t think about their credit score until it’s too late. Maybe you tried to apply for a car loan, or a credit card and the lender turned you down. Or you applied for a mortgage for your dream home and were told you’d have to pay a higher interest rate due to your poor credit.

Borrowing money from a credit provider isn’t always as easy as 1-2-3. Financial institutions like banks don’t make decisions on a whim about granting credit to whoever applies. Some factors help them decide whether you are worth the risk of lending money or not.

Chances are, you might have a bad credit score and this is hurting your ability to get that loan. Your credit score sums up the information in your credit report into one number, designed to represent your credit risk, or the likelihood that you will pay your bills on time.

If your credit score is low, you should find out what’s affecting it – for example, unpaid bills – and work to fix it as soon as possible.

You can visit our office in Perth at this address: AMP Tower, Level 28/140 St Georges Terrace, Perth WA 6000, Australia

Here’s a few things that can damage your credit score in Perth

Your credit score is always changing based on your financial behaviour which means you can actually improve your score with some good behaviour, like paying your bills on time. The not-so-great news is that any enquiry or adverse listings against your credit score can stay on your credit report for up to 7 years. This includes:

  • Any credit enquiry.
  • Applying for a home loan, credit card or credit card balance transfer.
  • Applying for several credit or loan products at once or over a short period of time. Having a bill that’s overdue by 60 days or more when the debt is at least $150.
  • Missing a repayment or making late payments.
  • Refinancing your home loan.
  • If you don’t do your research before hand, and end up getting declined for the loan.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in credit repair in Perth 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.

Prevent Identity Theft by Monitoring your Credit Report

It’s a good idea to regularly check your credit report to review its accuracy and ensure that it hasn’t been impacted by fraudulent activity such as someone applying for finance in your name. If your credit score isn’t looking as healthy as you think it should, look through the report for inaccuracies or incorrect entries. You may find multiple credit enquiries in a short space of time, multiple credit cards with high limits, late repayments or unmade payments that don’t make sense.

You can get free copies of your credit reports annually and you should closely read and understand their details to enable you to identify any errors or problems that need addressing to improve your credit. As well, there are many ways to check your credit score online. You should check your credit score first if you’re considering a big purchase like a home or car, so you can make sure you’re in a good position credit wise before applying.

How can our Credit Repair Experts in Perth Help?

Fix Bad Credit’s team of credit experts use our knowledge of the latest credit legislation to determine whether negative listings on your report were put there without a credit provider adhering to the relevant laws. We are experts at spotting errors such as debt listed twice, accounts that belong to someone else, debts incorrectly listed as defaults or defaults that should have been removed from your report after the rightful duration. We know what to look for and who to contact to have any incorrect or duplicate listings removed from your report.

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

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 Perth 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 Perth 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)


    How Fix Bad Credit saved Sam money and helped her buy a home for her family

    Sam, a young single professional mother, wanted to buy a house for her and children. However, when she applied for a home loan Sam discovered a previous mistake had left her with an issue on her credit report.

    Sam had really wanted to take advantage of the thousands of dollars in government subsidies that were on offer at the time, but the defaults on her credit report meant she was unable to get her finance approved. So, she did some research and thought she could save time and money by sorting out the problem herself. Sam contacted the Ombudsman for assistance and after 6 months of frustrations they informed her there was no way of removing the defaults from her credit report.

    Luckily though, a work colleague, who had had great results working with us, encouraged Sam to contact Fix Bad Credit for assistance. Within a month we successfully negotiated to overturn the Ombudsman’s decision and the two defaults were soon removed from Sam’s credit report. Sam subsequently managed to get her finance approved in time to take advantage of the government subsidies that were on offer, saving her thousands of dollars while securing a new home for her and her family!

    Reviews

    Highly recommend, Cj got the job done. Easy to work with and true to his word.Thanks mate.
    michael cromie
    michael cromie
    1719200436
    I was really struggle to get improve my credit rating, years of trying I was about to give up then I was recommended to reach out to CJ, same day I emailed him he called and made me feel like I gained some control back in my life. Not only am I now in a way better position, I also have learnt a lot about my credit report.Can’t thank the team enough!
    S C
    S C
    1719121566
    CJ is the man. Genuinely wants to help anyone who wants to improve their lives financially. Will deal with again in the near future. Thanks again CJ
    Chur Murrey
    Chur Murrey
    1718972792
    Amazing customer service. CJ was very easy to talk to, handled my situation with great patience as it was a long drawn out one. He kept me up to date with every communication between himself and the third party’s handlings.Can’t praise CJ and his company enough for what they have achieved for myself and now my new future home!Owe this man many beers!
    Colin Smoor
    Colin Smoor
    1718940761
    Absolutely sensational to deal with! Was very nervous to deal with debt collectors and these guys made it an absolute breeze! Could not recommend this outfit highly enough. Extremely helpful with explaining everything, very fair and 100% fantastic at what they do.
    Brendan Hall
    Brendan Hall
    1718782348
    Excellent service, quick, friendly and effective.Couldn't be happier with the results and the positive impact this has made on my credit file.
    Aimee Searle
    Aimee Searle
    1718775768
    Amazing customer service from CJ, communicated everything well and was very clear with direction and helped understand about credit reports also! Fast and efficient will be recommending services to anyone who needs for sure!
    Aleisha Cooper
    Aleisha Cooper
    1718332738
    This place is awesome very helpful and understanding of what I needed and understandable definitely recommend ☺️
    Hannah Deas
    Hannah Deas
    1717826633
    Dealing with Cj was a breeze, professional and a very quick response with clearing our report.Highly recommend Cj to anyone that needs help.
    Courtnee Poloai
    Courtnee Poloai
    1717658652
    Got what I was told I would receiveA quick, transparent resultExtremely happy
    Greg Smith
    Greg Smith
    1717386580
    I made some stupid mistakes when I was younger, and now I am at an age where I need my credit file to be clear. Imagine being told no you can’t get the thing you need because of past mistakes? I thought for sure there wasn’t any other way. But after being referred to CJ and his team, I can say that I was for sure shocked. CJ is amazing at what he does, and expert in his field. The team he has behind him as well have been so quick and reliable I literally haven’t needed to do a thing. I can’t recommend CJ and his team, Fix Bad Credit, enough. In my time of need, they have been the only ones that have seen me through what I thought was going to be a miserable battle for however many years to come. Thank you, thank you, thank you, CJ and Team.
    Fili Fili
    Fili Fili
    1717322155
    I contacted Fix bad Credit on a Saturday afternoon. They called me straight back.CJ listened ed to what I wanted to achieve, went through my credit report with me, and explained what everything means, and how it all works.Instead of selling me something I don’t need, he told me what I needed to do at no cost and has now put me in touch with someone who can get me my finance for my home.Amazing service from Fix Bad Credit
    Rae Lee
    Rae Lee
    1717227088
    Very impressed with CJ's service. Great communication and my credit file was cleared in 2 weeks! I appreciate their approach and honest advice.
    D W
    D W
    1717036944
    After a relationship breakdown and separation, I needed help from CJ to repair a bad credit rating. From the very first meeting CJ was understanding, helpful and knowledgeable in all aspects of my situation. The communication, feedback, updates and attention to detail have been 5 star!! A positive outcome means I can start to get my life back on track and move forward financially. So very grateful. Thank you CJ
    Rebecca Bray
    Rebecca Bray
    1716440811
    Fix Bad Credit helped me improve my credit score. They were professional, informative, and kept me updated throughout the process. highly recommend them to anyone looking to improve their credit.
    Nathan Archer
    Nathan Archer
    1716367874
    Accidentally received bad credit, CJ and the team helped me remove it, highly recommended.
    CJ and the Team at Fixbadcredit have been outstandingCJ was fabulous to deal with from start to finishHe went through my Creditfile , was my Score was good ,he never charged me even a centI was not aware of my score and he could have ripped me offBut he explained me everything over the phone for free of costI would recommend Cj if you have problem with your credit fileI am really impressed with support I received from CJThanks
    Ramesh Yadav
    Ramesh Yadav
    1716260477
    CJ and the team at Fixbadcredit have been outstanding. CJ consistently answered my calls and emails promptly, and he explained the entire process with great clarity. The service fees were very reasonable, especially compared to other companies I had contacted previously that charged significantly more. Overall, I highly recommend CJ, the team, and Fixbadcredit to anyone looking to improve their credit score.
    Jawad Khalili
    Jawad Khalili
    1715930209
    CJ and the team is an absolute legend. Very professional , explained the process to me. They were able to have a default taken off which seemed so impossible. Best in the business. So very grateful.
    funmi akinyemi
    funmi akinyemi
    1715671300
    We had the pleasure of using Fix Bad Credit to remove an RHI. CJ was thorough and informative throughout the whole ordeal, keeping us up to date, and just truly made the whole experience a breeze for us. Highly recommend CJ and the team!
    I can not thank CJ enough for what he has done for me so far with multiple bad credits l had, he stood for me and fixed them. I highly recommend him if you have bad credit.
    SIcele
    SIcele
    1715050404
    CJ was fabulous to deal with from start to finish. From the speedy turnaround after my first request for information, and every dealing after that, the whole process was around two to three weeks. We felt like CJ provided us with great information about the process up front and was overly communicative throughout. For anyone who has an issue with a blip on their credit report, we highly recommend working with CJ to get it sorted.
    Wow - I was really impressed with the support I received from CJ in resolving a credit issue. He was prompt in responding, friendly, helpful and professional. With the support I received from Fix Bad Credit Perth I am now able to buy a family home which was not going to be possible. Thank you! If I could give 6 stars I would.
    Jules Moore
    Jules Moore
    1714094971
    10/10 service, highly recommendCJ was brilliant, discussed my credit report in great detail and provided lots of helpful info and tips.After our first phone call CJ managed to get a default removed from my credit report in just one day.
    I had an issue with my credit report and i got it fixed within 2 weeks. Excellent work.
    Bukassa Beloti
    Bukassa Beloti
    1698466831
    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
    Ashlee Hawkins
    1698381958
    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
    Robert Bell
    1698123520
    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
    Alex Oxborrow
    1697678157
    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
    edward gondor
    1697507421
    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
    Breeanna
    1697451006
    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.
    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
    Deana Poggi
    1669365294
    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
    1660561178
    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
    1656899435
    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
    1652062707
    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
    1626162864
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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 Perth 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.