I Need To Fix My Credit

Let Fix Bad Credit do what we do best, so you can get on with living
life at its best.

Ready to Become Debt Free?

Get Your Free Credit and Debt Assessment Now

Avoid the Pain of Having Your Credit Application Rejected Now!

If you are considering applying for any form of credit, don’t make the same mistake that 73% of other Australians make by applying before you know your score.

If you rely on your lender to discover you have a credit problem, you’re no longer in a position to negotiate for a good deal. With our free credit assessment, you will understand if you’ve been rejected because of your credit report and learn how you can fix your credit.

“Close to one in five Australians have their home loan applications rejected!”

Being rejected because of your credit report shouldn’t happen. Let us make sure it doesn’t happen to you.

Fix Bad Credit has offices in Melbourne, Sydney, Brisbane, Perth, Gold Coast, & Adelaide.

We Offer a Range of Credit Repair Solutions

Credit Check
Credit Assessment
Credit Review
Credit Improvement
Default Removal
Judgement Removal
Enquiry Removal
Serious Credit Infringement
Serious Credit Infringement Removal
Clear Out
Cross Files
RHI (repayment history information)

Why Your Credit Report and Credit Score Matters

Your credit score could be costing you money. You might not realise it, but before any business enters a credit agreement with you, they will do their due diligence which typically starts with a credit check.

With your permission, they will obtain your credit score, and your credit report, and make an assessment based upon the information they find to ensure they are happy with the risk they are assuming (i.e. agreeing to approve your finance).

The higher the score, the more “creditworthy” lenders consider you to be, so if your score is high, you should be able to get better offers from banks and other lenders. A low score can lead to companies being reluctant to lend to you or charging you a higher interest rate. If your score is low, you should find out why, and fix it, as soon as possible. With our free credit assessment, Fix Bad Credit’s credit experts can let you know what’s affecting your credit report.

“What lenders don’t tell you, is that by simply applying for credit, you can lower your credit score, and increase your risk of being declined”

What Credit Lenders Aren’t Telling You..

What lenders don’t tell you, is that by simply applying for credit, you can lower your credit score, and increase your risk of being declined.

If you would like to learn how to apply for credit without it impacting your credit score, our team of experts will happily share our industry secrets of how to prevent that from happening to you.

Once the applicant is told that they have been rejected due to an issue on their credit report, they then come to us for assistance.

An adverse listing on your credit report or low credit score can cost you thousands, with the risk of being offered higher interest rates, or even worse, refused credit altogether.

We can help you with both proactive and reactive solutions for your credit score and work with you to not just get you in the best possible position when applying for credit, but share our tips and tricks to keep you there.

Our Credit Repair Experts will…

Identify Your Current Credit Situation

Your own personal credit repair 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 what information in your credit report is impacting your credit score.

Provide Options For Improving Your Credit Score

Your history of managing credit may prevent you from obtaining finance for 5 – 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 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 documents from your creditors. Once they receive these they will review, investigate, and audit each document 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.

Why Choose Us

Over 90% of our business is from referrals from reputable licenced finance industry professionals, such as brokers and accountants. They put their professional reputation on the line. They need to ensure, if they are referring you to someone, that you are going to be well looked after. The remainder of our business are referrals from happy clients, that were once in trouble but are now enjoying life, knowing that when it comes to applying for credit they will not be declined because of the information on their credit report.

Direct contact details to your personal credit consultant.
Regular communication (weekly updates with your personal credit consultant).
Family operated (your success is key to our reputation).
We have been assisting Australians with credit issues for over 10+ Years.
We are accredited access seekers with all 3 credit reporting agencies in Australia.
We have a professional relationship, and personal contact(s) with the credit reporting agencies, and ensure we are up to date, and fully aware of that what, how, and when they do what they do within their business.

We have access to the credit reports the commercial credit provider reviews, which has more detail than the personal reports the consumer has access to.
Our legal team is well versed and updated with your legislative rights.
We genuinely care & love what we do.
Our service is discreet, with full confidentiality.
We tailor to your needs rather than push our own agendas.
We provide ongoing education with sharing industry hacks and assistance to ensure you remain in the best financially creditworthy shape you can be in.
No result, no fee guarantee.

Associations & Affiliates

Why Customers Love

Fix Bad Credit

Proactive Credit Repair Solutions for Everyday Australians

Do you know your credit score and what is on your credit report? You’ll probably be blown away to learn that over 73% of Australians simply are not aware of what information is currently on their credit report or have no idea of their credit score. WOW!!

At Fix Bad Credit we believe in proactive credit solutions that allow you to understand and be aware of any concerns before you even apply for credit.

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


Frequently Asked Questions

Can I really become debt free?

Our experienced team have been helping Australians get out of debt for over 10 years. No matter your unique situation, we have a solution to help you achieve a debt free life.

How can Fix Bad Credit help me with my debt?

Fix Bad Credit’s mission is to help you take control of your debt and achieve financial freedom. We will undertake a free confidential assessment of your current finances, taking the time to fully understand your unique financial situation to tailor the best debt solution options to meet your needs. We provide you with as much information as possible upfront, so you can make an informed and confident decision about the debt solution that’s best for your particular circumstances and budget. We then deal directly with your creditors, you only deal with the same friendly credit and debt solution expert that you have since day 1. We take care of the pain, so you can get on with living.

Does it cost to check my credit score?

No, you can request a free copy of your personal credit report online from the three Credit Reporting Agencies.

  • Equifax (previously known as Veda).
  • Experian Australia
  • Illion (formerly trading as Dun & Bradstreet Australia)

Alternatively, you can contact us, and we can order your credit reports on your behalf, at no cost.

How do I stop the debt collector calling me?
Working with Fix Bad Credit, our legal team will contact your creditors, and stop those annoying phone calls, once and for all. Your stress will be less and you’ll no longer need to worry every time your phone rings.