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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

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.

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…


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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