Google Rating
5.0
Based on 293 reviews
01

Addressing Your Financial Challenges

At Fix My Credit, we’re committed to helping you overcome financial hurdles with our comprehensive services:

Full Credit Report

Credit Restoration

Debt Solutions

Removal of Defaults, Court Judgements & Clearouts

Assistance in Securing Finance

Debt Negotiation

ATO Debt negotiation

02

Why Good Credit is Important

Bad credit is all too common in Australia, with 1 in 5 people suffering the devastating effects of default listings or court judgements on their credit file. A poor credit history or bad credit rating can make it difficult to obtain finance, secure a home loan, or access competitive rates in the property market.

Even an overlooked bill or a few late payments can affect your credit history. These can impact your ability to get finance approved or access everyday credit products.

At Fix My Credit, our credit repair specialists understand how stressful this can be. We may be able to help fix your credit history through our credit restoration assistance to repair your credit score.

Get in touch with us

Want to know more? Please complete our quick contact form

Contact us Book a Call
03

Our Process

Step 1

Free Consultation

During your initial phone consultation with one of our friendly staff, we will explain our credit restoration services, discuss your options and how we may be able to assist you.

Step 2

Application Process

During this part of the process, your consultant will run you through a questionnaire. This will determine whether or not you are a suitable candidate for our services. You will then be asked to complete a quick online application form and your consultant will advise whether or not you have been approved for our services.

Step 3

Lodgement of Repair Documents

If you have been approved for our services, we will then lodge all necessary documents to the credit reporting bodies, ombudsman, the Australian Financial Complaints Authority and/or the many creditors directly. We work on your behalf to achieve the best possible outcome.

04

Why Choose Us

When it comes to the credit repair process, you need a credit repair agency you can trust to help improve your credit score and help you obtain financial freedom.

  • Expert Team with 7+ Years Experience
  • Leading in the Industry with an Impeccable Success Rate
  • Instant Credit Report
  • Personal Case Manager
  • Best Value for Money with one of the Cheapest Rates in the Country
  • Fully Licensed Credit Repair Company
More Reasons To Choose Us

Credit Repair Assessment

Get Started
05

Testimonials

Don’t take our word for it. Read what our happy customers think of us.

Wade Osborne

I am grateful for the fantastic service that has been provided by Fix My Credit, there was a continuous flow of information and I was always kept up to date, even out of business hours. A massive thanks to Nikki for all of her help and a successful outcome.

Peter Hunter

Absolutely top service from the first call from Johnathon explaining how the process works then from the case manager Brock discussing again the process and who they will contact on your behalf and then the final call and email explaining that my credit file was fixed but again explained how finance companies will assess my future loans etc and also put me in touch with a financial broker to assist in getting a good outcome.

Karl Loata

Firstly, I am one that typically dont leave reviews. However I cannot go past the experience I had with Fix My Credit Sam & Nikki were fantastic, so easy to deal with, and yes they really are on your side and fight hard on behalf. Couldn’t thank them enough And yes, they really do fix your file. Dont be fooled into some other sites. These guys are the real deal Thanks again Sam, Nikki & Team

Joshua Pollock

Fix my credit are great! From the first call up for help, to the end every person has been helpful and encouraging through the whole process. Nikki got straight to it and got the job done without any hesitation. Definitely recommend!

Anne Hill

Wow, a big thank you to Nikki Zahl and Jonathon Moy from FMC. The loveliest and most down to earth people who are understanding, non judgmental and efficient in they’re roles. I was so happy with my results and my communication, especially with Nikki…

06

Hear from our clients

Find out how we helped our client and listen to their feedback.

Defaults We Remove on a Daily Basis

FAQs

What is credit repair, and how does it work?

Credit repair is the process of improving a person’s creditworthiness by addressing errors, inaccuracies, or unfair information on their free credit report. It involves reviewing credit reports, identifying discrepancies, and working to have incorrect or outdated information corrected or removed. Learn more about our credit repair services.

How can Fix My Credit help me?

Fix My Credit has a team of experienced credit repair experts who can help you fix your bad credit score online. Over the years, our credit repair agency has developed a great understanding of the credit score process. Our team has the skills and knowledge to resolve disputes and navigate information about your credit rating. We can help you create a positive credit history, address negative information, and take the stress out of the process by taking calls from debt collectors and negotiating on your behalf.

Why should I get professional credit repair help?

Fix My Credit can provide valuable expertise, save you time and effort, and increase your chances of success. As a credit restoration company, they have in-depth knowledge of credit laws, can navigate the complexities of the process more efficiently, and negotiate on your behalf. With personalised guidance and financial hardship support, they can develop a comprehensive plan tailored to your specific credit situation, ensuring your rights are protected throughout the process.

What are the common reasons for having a bad credit rating?

Common reasons for having a bad credit rating in Australia include:

  • Late payments
  • Defaults
  • Bankruptcy
  • Court judgements
  • High credit utilisation
  • Multiple credit applications

These factors can negatively impact your credit score and make it challenging to access credit or secure favourable terms.

Do you offer credit repair near me?

Yes! We are a trusted credit repair company providing services across Australia, including expert credit repair Brisbane, Melbourne, Perth, and beyond. Our experienced professionals can help you fix your credit, remove negative listings, and improve your credit score. You can access our credit repair services online or via a free consultation, making it easy to get support wherever you are.

How long does it take to repair my credit history in Australia?

The time it takes to repair credit history in Australia can vary depending on the complexity of your situation. Most cases are wrapped up in a short period of time (around 30 days), but some cases can take up to several months.

Can I repair my credit on my own?

You can repair your credit on your own, but it can be a time-consuming and challenging process. Hiring a credit repair company can provide expertise, knowledge of credit laws, and assistance in dealing with credit providers, making the process smoother and more efficient.

What are the potential benefits of repairing my credit?

Repairing your credit can have several benefits, including increased chances of personal loan approval, lower interest rates on credit products, improved financial opportunities, and a more positive credit profile. Our services can assist with credit score repair Australia-wide, helping you regain control of your financial future.

Are there any guarantees that my credit score will improve after using credit repair services?

No credit repair company can guarantee specific credit score improvements. However, at Fix My Credit, we have a proven track record of repairing Aussie credit scores and will work diligently to potentially fix errors, address inaccuracies, and unfair information on your credit report, which can lead to improvements in your credit score.

How much does credit repair cost?

The cost of credit repair services in Australia can vary among different credit repair companies. Fix My Credit offers one of the cheapest rates for credit repair services in Australia. Our credit repair services start at $1195.00 incl. GST.

What steps can I take to maintain a good credit rating after the repair process?

After credit repair, it’s essential to practise responsible financial habits. This includes making payments on time, keeping credit utilisation low, maintaining a healthy mix of credit, regularly monitoring your credit reports, and addressing any issues promptly. See our articles for more information on maintaining good credit.

Are there any legal regulations or limitations when it comes to credit repair practices in Australia?

Yes, there are legal regulations that govern credit repair practices in Australia. Credit repair companies must comply with the Australian Securities and Investments Commission (ASIC) guidelines and other relevant legislation. It’s important to work with a reputable credit repair company that operates within the legal framework to protect your rights and interests.

Credit Repair Services in Australia

Leaders in Credit Repair Across Australia

Fix My Credit has been a trusted partner for countless Australians looking to improve their credit. With extensive experience in credit repair, we’re committed to tailoring personalised solutions for each individual’s unique situation. With an exceptional success rate, we are leaders in credit repair, offering comprehensive debt solutions and credit restoration Australia-wide.

Whether you need to remove a default or court judgement, require a full credit report or need help with debt negotiation, Fix My Credit can help. Our experienced team works with credit providers and credit reporting agencies to ensure your credit file is accurate and up to date. We assist thousands of Australians to enhance their credit scores and eradicate debt.

Credit repair consultation

Contact Fix My Credit – Free Consultation

Your journey to fix your credit starts here! We offer a free consultation with a member of our experienced team who will walk you through your options and how our credit repair services are designed to help repair credit score Australia-wide.

We understand everyone’s situation is different and will tailor our credit repair services to meet your needs. During your free consultation, we’ll explain our services in more detail, including how to fix your credit score and improve your credit history.

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