Claim your Free Credit Health Check

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 It involves reviewing credit reports, identifying discrepancies, and working to have incorrect or outdated information corrected or removed.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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.