Google Rating
5.0
Based on 208 reviews
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How do we help improve credit scores?

1. Credit report analysis

The expert Fix My Credit team will analyse your credit report to gain an understanding of your financial situation. We'll meticulously review your documentation to find errors such as late payments or defaults that impact the credit score.

2. Act on your behalf

We will then lodge all necessary documents to the credit reporting bodies, ombudsman and/or the creditors, submitting formal letters backed by evidence to challenge and correct inaccuracies on your behalf.

3. Credit Building and Education

Besides disputing inaccuracies, Fix My Credit provides tailored guidance on responsible credit management, debt reduction, budgeting, and positive credit habits to manage credit effectively and improve long-term credit scores.

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Testimonials

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

03

Hear from our clients

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

Defaults We Remove on a Daily Basis

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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
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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

Gain insight into your financial standing with a detailed credit report, providing an accurate overview of your credit history.

Credit Restoration

Fix My Credit will work hard to help you restore your credit by employing proven strategies to address negative items on your credit report and improve your credit score.

Debt Solutions

Whether through negotiation with creditors, or other personalised approaches, our team is here to help you regain control of your finances.

Removal of Defaults, Court Judgements & Clearouts

We tackle all kinds of credit challenges, including the removal of defaults, court judgments, and clear outs.

Assistance in Securing Finance

Whether you’re seeking a loan, mortgage, or other forms of financing, we assist in optimising your credit profile to increase your chances of approval.

Debt Negotiation

We specialise in negotiating with creditors on your behalf to achieve favourable terms for debt settlement.

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What’s included in your free credit health check

  • Phone Consultation: Chat with our friendly staff to help us gain an understanding of where you’re at with your finances
  • Credit Analysis: We’ll run you through a questionnaire to determine if we can help you with our range of services
  • Qualification Assessment: Complete a quick online application form to see if you’re approved for our services

Free Health Check

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Why Good Credit is Important

Low Credit Scores are 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 potential to disrupt your financial stability, potentially limiting your access to certain financial products or services. In many instances, individuals might face difficulties securing loans or other forms of financial assistance. We offer credit restoration assistance aimed at improving your credit history and enhancing your credit score, which could open up more opportunities for you financially.

Get in touch with us

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FAQS

What is credit restoration, and how does it work?

Credit restoration 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 restoration 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 help to analyse my credit report?

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 low 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 improve credit history in Australia?

The time it takes to improve my 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.

Is it possible to make changes to my credit history alone?

You have the option to make changes to your credit history on your own, but it can be a time-consuming and challenging process. Hiring Fix My Credit to provide expertise, knowledge of credit laws, and assistance in dealing with credit providers, makes the process smoother and more efficient.

What are the potential benefits of analysing my credit report?

Improving and analysing your credit report 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 your services at Fix My Credit?

We can’t guarantee specific credit score improvements. However, at Fix My Credit, we have a proven track record of improving 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 do your debt and credit score services cost?

The costs can vary in Australia. Fix My Credit offers one of the cheapest rates with a free consultation. Our services start at $1195.00 inc GST.

What steps can I take to maintain a good credit rating after I finish working with Fix My Credit?

After working with Fix My Credit, we encourage you 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 restoration in Australia?

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

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