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 beforehand, and end up getting declined for the loan.

Financial Improvements

Assisting Australians make

Of improvements to their lives in 2022 to date.

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.

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

Credit Check
Credit Assessment
Credit Review

Credit Improvement

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

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 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

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
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
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
Kellie Lyndon-James
02:00 09 Jul 21
Fantastic. Defaults removed from Credit report, and now debt free. couldn't have done it without your help. Stoked.
Ray Hunter
Ray Hunter
06:25 21 Jun 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.