Credit Repair in Perth

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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. There are factors that help them decide whether you are worth the risk of lending money to 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.

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 debt help in Perth 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 Western Australia, 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 Perth.

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

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Credit Check

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Credit Assessment

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Credit Review

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Credit Improvement

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Default Removal

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Judgement Removal

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Enquiry Removal

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Serious Credit Infringement Removal

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Repayment History Information

Our Credit Repair Experts will…

Identify Your Current Credit Situation

Your own personal credit repair Perth 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.

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.

Work To Improve Your Credit

Your personal credit repair Perth 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.

Benefits Of Working With Fix Bad Credit

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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.

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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.

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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 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

Fix Bad Credit Perth

5.0

See all reviews Write a review

I had an issue with my credit report and i got it fixed within 2 weeks. Excellent work.

Bukassa Beloti

04:20 28 Oct 23

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

04:45 27 Oct 23

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

04:58 24 Oct 23

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

01:15 19 Oct 23

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

01:50 17 Oct 23

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

10:10 16 Oct 23

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.

cameron williams

05:12 10 Feb 23

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

08:34 25 Nov 22

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

10:59 15 Aug 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

01:50 04 Jul 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

02:18 09 May 22

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

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

02:00 09 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 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.