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Fixing Your Financial Issues

At Fix My Credit this is what we can do for you.

Full Credit Report

Credit Restoration

Debt Solutions

Removal of Defaults, Court Judgements & Clearouts

Assistance in Securing Finance

Debt Negotiation

See Our Services


Why Good Credit is Important

Bad credit is all too common in Australia with 1 in 5 people suffering the devastating affects that apply to those with defaults or court judgements on their credit file.

Even an overlooked utility bill has the power of financially ruining you and leaving your only option with bad credit loans, in most cases you will even be declined for those. 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

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Our Process

Step 1

Free Consultation

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

Step 2

Application Process

During this part of 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 & your consultant will advise whether or not you have been approved for our services.

Step 3

Lodgement of Repair Documents

If you were lucky enough to be approved for our services, we will then lodge all necessary documents to the credit reporting bodies, ombudsman and/or the creditors directly. We advocate on your behalf to apply for a positive outcome.


Why Choose Us


  • 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
More Reasons To Choose Us

Credit Repair Assessment

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

Ryan & Kat

The team at Fix My Credit were fantastic to deal with, they solved all our credit issues so quickly. We were trying to buy our first home but hit a brick wall when we discovered a tiny unpaid origin bill from years ago. Thank you so much Fix My Credit we have now purchased our block of land and are about to build our first home!

Adam Pungitore

A few years ago I made some wrong choices and over time I ruined my credit rating. I have been on the straight and narrow for a couple of years now but my bad credit history was going to follow me around for at least another few. But thanks to Sam from Fix My Credit, im back in the game and was approved for a loan a week after he fixed my credit report. I feel like my life is beginning again. My family and I are so grateful.

Timothy Godson

I didn’t know this service existed until recently and I wish I knew about it years ago. Honestly I was very sceptical at first and thought it sounded too good to be true. But it did pay off and in a short period of time I had all my defaults cleared even the ones I thought would never disappear. I would highly recommend anyone who needs help to get their credit back in the green, go and make an appointment now. Thanks fix my credit.


Hear from our clients

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

Defaults We Remove on a Daily Basis


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 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 professionals who can help you fix your bad credit score online. Over the years, we have developed a great understanding of the credit score process, and our team has the skills and knowledge to resolve disputes and navigate information about your credit rating. We will help you create a positive credit history 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. 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 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 judgments, high credit utilisation, and multiple credit applications. These factors can negatively impact your credit score and make it challenging to access credit or secure favourable terms.

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 30 days however some cases can take up to several months.

Can I repair my credit on my own?

You have the option to 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 loan approval, lower interest rates on credit products, improved financial opportunities, and a more positive credit profile. It can also provide peace of mind and help 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 address errors, 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 offers one of the cheapest rates for credit repair in Australia. Contact us for a free consultation. Our credit repair services starts at $1195.00 inc 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 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.

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Credit Repair in 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 across Australia, offering comprehensive credit restoration and debt solutions.

Whether you need to remove a default or court judgment, require a full credit report or need help with debt negotiation, Fix My Credit can help. We assist thousands of Australians to enhance their credit scores and eradicate debt.

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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 our comprehensive range of services.

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 and help you navigate the complexities of credit repair. Let’s work together to improve your financial future.

We accept referrals from some of the industry’s leading establishments.

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