Credit Repair in Sydney

Get Your Free Credit Assessment Report now

Have you recently heard about credit scores and are curious to know more? Or have you been refused credit because of your bad credit score, and you didn’t even know you have one? Well, you’re not alone, in fact it is estimated that over 70% of Sydney sider’s either don’t know their credit score or don’t know that they even have one.

Your credit report is a record of your history with managing credit and paying your bills on time. Lenders, like banks, use this information to determine the likelihood that you will pay back any money that they lend you. Essentially the better your credit report, the higher your credit score. Higher credit scores generally result in more favourable credit terms, such as the interest you will need to pay. A low credit score might mean that banks refuse to lend you money or charging you more interest and fat fees.

A bad credit score could be what stands in your way of you living your best life in Sydney.

Why do Credit Scores matter?

For a little number that not many people in Sydney know about, credit scores can have a pretty big impact on your life. Here’s a few reasons:
They give you choices – By helping demonstrate your ability to pay back money, your credit score allows you to borrow money for whatever you wish.
They can score you a better deal – A better credit score can sometimes mean a lower interest rate
They can keep you connected – Phone companies are more likely to approve you for a mobile phone plan if you have a good credit score.

Financial Improvements

Assisting Australians make

Of improvements to their lives in 2022 to date.

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.

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.

How Fix Bad Credit helped Jess sleep easily again

As a result of Covid related restrictions in Sydney, Jess’ income was severely impacted from inconsistent and shorter work hours. To keep herself afloat for a period, Jess had to rely on her credit cards. She soon found her credit card debt building up to the point where she was struggling to meet the minimum payments each month, and the interest owed was quickly, and scarily, growing.

Luckily, Jess has equity in her property, so she approached Fix Bad Credit for help to consolidate her debt by re-mortgaging with a more favourable interest rate, enabling her to get back in control of the money she owed. Unfortunately, Jess had a few enquiries with Buy Now Pay Later companies and other pay day lenders on her credit report that were not seen as favourable with the tier one lenders. As a result, Jess could not find a lender willing to allow her to access the equity in her property through a low interest rate home loan.

Latest Blogs

Credit Repair And Debt Negotiation Industry Major Shake Up

In September 2020 the Australian Government announced its intention that companies offering debt management and credit reporting assistance will be required to hold an Australian Credit Licence. Treasury provided the below summary for the rationale behind this: “An...

How to Budget Like a Boss

Budgets? So boring! If you’re anything like me in the past you’ve written one before and promptly forgot about it or realised it was totally unrealistic and given up before you even got started. But as boring as budgets are, they can be the difference between sharing...

Is Bad Credit Destroying Your Relationship?

Bad credit can stay on your record for up to 7 years. That’s longer than many relationships! Have you noticed more arguments over money creeping into your relationship? If so, you are not alone. The complexities and uncertainties of COVID-19 have affected our security...

Within days, Fix Bad Credit used our in-depth understanding of credit legislation to successfully remove the enquiries from Jess’ credit report, allowing her to access the equity in her property and consolidate her credit card debts with a lower interest rate. This meant Jess was able to lower the total amount of money she needed monthly to repay her debts to a level that she was easily able to cover with her reduced income. Jess soon felt back in control of her financial situation and could sleep easily again at night.

How can Fix Bad Credit help in Sydney?

A low credit score can cost you thousands, with the risk of being offered higher interest rates, or even worse, refused credit altogether. But the Fix Bad Credit team can help you improve your credit history, ensuring you are in the best possibly position when applying for new credit with a range of credit repair solutions.

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

Credit Check
Credit Assessment
Credit Review

Credit Improvement

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

Your Sydney 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

Finding Proactive and Reliable Credit Repair Solutions in Sydney 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 Sydney. 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.

You will work closely with one of our credit repair experts and have continuous direct contact with them

For over a decade, the professional team at Fix Bad Credit have provided their unparalleled expertise in assisting everyday Sydney siders, just like you, to ensure they are in the best position possible, as we work with you to improve your credit.

Reviews

We found ourselves in a spot where we needed help getting our mortgage refinanced, and after looking around at different companies without any real success until Fix Bad Credit came along. They really helped us out when other ones couldn't make it happen for awhile!
Danny Lia
Danny Lia
06:57 26 Apr 22
I was so excited when I found out about the team at Fix Bad Credit, because not only did they help me fix my credit report and Debt problem but also made it easier for myself in every way possible. They're amazing!!
Joslin Hartley
Joslin Hartley
07:51 24 Apr 22
Fix bad Credit got me my home loan approved. Yay. Thanks heaps.
Asher Simon
Asher Simon
10:02 22 Apr 22
Fix bad credit made my day. The reoccurring spending habits that controlled my life were identified and have now been put in touch with the help I needed, this couldn’t have come sooner . Thank you
Andrew Padayachy
Andrew Padayachy
04:06 16 Apr 22
"We were so excited when we found out that we were finally going to be able to buy our own home. We had been renting for years, and it felt like it was time for us to take the next step. But then we hit a snag – our credit score wasn't good enough to get a mortgage.Thankfully, we heard about Fix Bad Credit. These guys are the best in the business when it comes to fixing your credit score. They helped us get organized, and within a few months our score was looking great! We were able to get approved for a mortgage and buy our dream home. Thank you, Fix Bad Credit – you guys are amazing!"
Elise Gracie
Elise Gracie
04:54 21 Feb 22
Another company made a complete mess of this. Fix Bad Credit took care of it in a matter of weeks. Could not be happier.
Jackson Ethan
Jackson Ethan
07:21 13 Feb 22
My credit card debt was killing me. I was considering bankruptcy, or a part 9 debt agreement. A friend recommended I speak with Fix Bad Credit. They discussed all my options. Within 6 months Fix Bad Credit had eliminated my debt and changed my life. Fantastic job. Highly recommend this service to anyone in debt or has issues with their credit report. I no longer have either. Fix Bad Credit are the real deal.
Emmalee Schaefer
Emmalee Schaefer
06:31 07 Feb 22
As a business owner I appreciated the transparency, fast response, professionalism and execution of the Fix Bad Credit team.We had some apprehension using a credit repair service. But after the experience and seeing the outcome, I will be recommending Fix bad Credit to my entire network.
Ignite Global Group
Ignite Global Group
06:40 21 Jun 21
I couldn't be happier with Fix Bad Credit . After a relationship breakdown I was left with a substantial amount of debt , and ended up with a coupe of defaults , and RHI info on my credit file .13 weeks later I'm debt free, I've been approved for a credit card, and saving for a house.If you need to change your financial situation , these guys are the real deal . Thanks so much
kelly care
kelly care
09:24 20 Jun 21
js_loader

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.