Credit Repair in Australia

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Do you need help to fix your credit? Have you checked your credit report or credit score and discovered it could do with improving? Or perhaps you’ve applied for a mobile phone plan, a loan or credit card and you’ve been declined.

Your credit report (also known as credit file), and the related credit score (or rating), is a record of your history with managing credit and paying your bills on time. Banks and other potential credit providers use this information to determine how creditworthy you are, or the likelihood that you will pay back any money that they lend you.

What is a Credit Score?

Your credit score sums up the information on your credit report into one number, designed to represent your credit risk, or the likelihood that you will pay your bills on time. The higher the score, the more creditworthy you’ll likely appear to reputable financial institutions, like banks.

Credit scores are based on the information in your credit report at a point in time and can change throughout your life. There are a number of different credit scores and scoring models. If you find out your credit score through a credit reporting agency like Equifax, you will receive a number between 0 to 1,200, while Experian and Illion provide a number between 0 to 1,000. Because of the different ways the credit reporting agencies access your information and then calculate your credit scores there can be there can be discrepancies between your Equifax, Experian and Illion credit score, so it pays to check all three for any concerns.

Credit Score

Can I repair my own credit?

Got bad credit? Bad credit can easily cost you tens of thousands and even hundreds of thousands of dollars in your lifetime in extra interest repayments and fat fees. The good news is you can Fix Bad Credit.

We’re not going to lie, trying to fix your own bad credit is not easy and it can also depend on what shape it is in to start with. The first step to rebuilding your credit score is to order a copy of your credit report. You can get a free copy of your credit report from a credit reporting agency, once a year, alternatively Fix Bad Credit can order them on your behalf.

Once you have your credit report and carefully checked it, here are a further 5 things that can be done to improve your credit score but remember that only information listed in error can be removed or changed on your credit report.

Correct your personal details – Your current address, employment history and full names have to be accurate so as to prevent incorrect listings and to protect you against having your identity stolen.
Identify and deal with incorrect listings – Listings made in error can include debt listed twice, accounts that belong to someone else or debts incorrectly listed as defaults. If there are any incorrect or duplicate listings on your credit report, you can get them removed.
Keep up with any current payment arrangements to ensure your repayment history information is favourable – If you find yourself in a situation where you are struggling to make payments on time, the worst thing you can do is bury your head in the sand. Not making a payment when it’s due can impact your credit report and score for up to 7 years. If you find yourself struggling, please contact us for help before it turns into a problem.
Consolidate your debts – If you are having trouble keeping up with repayments on your loans, you can consolidate them into a single debt account for easier repayments, and to prevent adverse repayment history information, or default listings being added to your credit file. Contact Fix Bad Credit and we can help you with this.
Consider financial counselling – Free financial counselling is available to help you manage your finances better, and help you avoid getting into unnecessary debt that you could struggle to pay, potentially impacting on your future credit score. You can contact a free financial counselling service on the National Debt Hotline at 1800 007 007.

Our Aim

At Fix Bad Credit, our mission is your financial freedom. One of our experts in debt Repair in Australia 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 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 Australia.

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


    The Fix Bad Credit Way

    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 Australia. 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.

    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 approved for credit.

    Reviews

    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
    10:59 15 Aug 22
    I wanted a new car but a problem with my credit report was in the way. Thanks Fix Bad Credit for changing that. Fab job well done.
    Daniel Sullins
    Daniel Sullins
    16:26 13 Aug 22
    So good. Life changing. Can not say enough about how Fix Bad Credit changed my life.
    Frank Aachen
    Frank Aachen
    16:13 13 Aug 22
    An opportunity came knocking and I needed to access equity in my property to take advantage of this. A default on my credit report had me thinking I was going to miss out. My broker told me he knew the best in the business and put me in touch with Fix Bad Credit. My broker was right. They exceeded my expectation. Can not recommend them enough. Great work team.
    Gunther Heidi
    Gunther Heidi
    17:57 12 Aug 22
    Thanks to the team art Fix Bad Credit my young family are moving into our 1st home. These guys are the best in the business. Thank you. Brilliant job.
    Gunther Heidi
    Gunther Heidi
    17:55 12 Aug 22
    I tried to rectify this myself. Even going through AFCA I could not get the default removed. Fix Bad Credit however got the job done. Brilliant.
    Sophia Neudorf
    Sophia Neudorf
    17:39 12 Aug 22
    I highly recommended Fix Bad Credit Brisbane.it is very fast and excellent 👌 service.
    Col Gats
    Col Gats
    11:09 12 Aug 22
    Very helpful and beautiful ❤️ service..
    Grace Harper
    Grace Harper
    14:43 07 Aug 22
    When I was struggling with my credit, I didn't know who to turn to. I had heard of Fix Bad Credit, but I didn't know if they could really help me. But I decided to give them a try, and they completely blew me away. In just a few weeks, they were able to clear up all the mess that the other company had made. I'm so happy that I went with them - they saved me from a lot of hassle and stress. Thank you, Fix Bad Credit!
    Grace Eva
    Grace Eva
    07:17 05 Aug 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.
    Grace Eva
    Grace Eva
    11:41 04 Aug 22
    The guys from fox bad credit did a great job.. I wouldn’t go to anyone else these guys know what they are doing. I did initially have a complaint about them but I clearly jumped to conclusions and CJ dealt with it professionally and really helped me out.. thanks CJ
    Luke Radin
    Luke Radin
    06:05 12 Jul 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
    luke messineo
    01:50 04 Jul 22
    Helped me double my Credit Score in span of less than 3 months. The team are so good at what they do. Definitely recommend them to everyone!
    aqueel Haisam
    aqueel Haisam
    02:36 29 Jun 22
    ONE WORD... AMAZING!CJ was just phenomenal to deal with, from start to finish and constantly reassured me that he would get it all sorted for meI had so many questions and he was beyond patient throughout the entire process (which was so damm easy might I add) and literally had everything fixed up within less than half the time originally advised.These guys are incredible at what they do and would defiantly 100% recommend to anyone.Genuinely changed my life so thank you!
    Chantelle Maria
    Chantelle Maria
    07:41 08 Jun 22
    Amazing Team of people working hard & truly passionate about getting people back on track to excellence. Thank you for your services
    Jimmy William
    Jimmy William
    20:34 29 May 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
    Kate Zituta
    02:18 09 May 22
    I’m so glad I found Fix Bad Credit. They helped me get my life back on track and kept fighting for what was rightfully mine until finally, everyone else gave in! Thank you CJ -you're the best!!
    Bill Thomas
    Bill Thomas
    09:52 26 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
    CJ was amazing. It's been a long process to fix my credit due to mistakes at a young age. So many other places were happy to take my money with no guarantee they will have success in helping. CJ told me plain and simple what I need to do and what will help. He didn't charge me a cent either. Gave his honest opinion woth a good 30 minute phone call and thoughts on what will genuinely help. I am going to put all this into place and give him a call in 6 months to discuss future moves towards buying a house. We all make mistakes in life and stress I've them. It's people like CJ that make you feel calm and believe it will all be ok with some solid advice. Thanks again CJ
    James Tipping
    James Tipping
    05:11 02 Mar 22
    I could not be happier with the result. I’d recommend Fix Bad Credit to anyone. Amazing.
    Elise Gracie
    Elise Gracie
    06:03 19 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.
    Adele Barbara
    Adele Barbara
    07:21 13 Feb 22
    I needed 2 defaults removed ( paid defaults ) and CJ produced the goods. Both defaults have now been removed and I can safely apply for finance for my home.Thanks once again mate. All the stress has been lifted !Cheers,Cam
    Home Decore
    Home Decore
    03:52 15 Dec 21
    James has really showed his utmost professionalism, got my credit issues fixed as quick as only 3 weeks. They are highly recommended.
    Rocky Chen
    Rocky Chen
    03:54 27 Jul 21
    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
    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
    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
    The team at fix bad credit brisbane were very friendly and supportive. They were also quick to respond and helped me on my situation with sorting credit card debt. I highly recommend.
    Ken C
    Ken C
    20:47 20 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
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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.