Google Rating
4.9
Based on 259 reviews
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Credit Repair in Australia

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.

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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
  • Fully Licensed Credit Repair Company
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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 debt 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.

ATO Debt negotiation

Pre Assessment & Small Business Restructuring

credit repair assessment

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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

credit repair australia

Credit Repair Help from Fix My Credit

Credit restoration can help you in many ways. Fix My Credit provides online credit repair in Australia and offers credit restoration that is helpful in many ways. Fix My Credit will improve our credit opportunities with online credit repair. We’ll help create a positive credit history to reduce stress and improve your credit score.

Tired of fielding calls from debt collectors? Fix My Credit can contact them and negotiate on your behalf to improve your credit score. We have the skills and knowledge to restore our credit and improve your financial situation.

Want to submit a loan application but worried about your poor credit score? Don’t try and improve your credit history yourself; consult with the professionals at Fix My Credit and let us ensure your financial future with online credit repair and restoration.

small business debt restructuring

How to Repair Bad Credit

When you’re unfamiliar with the finance industry, battling bad credit can be confronting. Knowing where to start and how to navigate the credit repair process is hard.

If you consult a professional credit repair team, the first step is to provide them with all your financial information and history. Once we have your information, we can devise a plan to restore your credit.

A bad credit history is stressful, so let Fix My Credit help relieve the financial burden so you can get on with your life without the stress of poor credit. Over time we’ll manage the process and give you the financial freedom you deserve.

Repairing credit is a process and won’t happen overnight. However, everything we do contributes to improving your credit rating and increasing your opportunities in the future. Every step of the way, we’re working towards improving your credit score.

Every individual’s journey to better credit health is different. Fix My Credit will conduct a full assessment to ensure we understand your financial position and what approach we need to take to repair your credit.

loan application credit repair

Take Control of Your Finances with Online Credit Repair

Ready to take control of your finances and forge your path to financial stability? If you have bad credit, the first step is to repair your credit score. The team at Fix My Credit can help you get debt under control and stay out of debt as you move forward into the future.

Credit repair is the best option if you want to replace your poor credit score with a credit rating that indicates your financial stability. It’s a great way to improve your chances of approval for loans and credit cards, helping to contribute to your future financial goals.

Once you have an improved credit score, you won’t have to succumb to higher interest rates because it’s the only lender who will approve your application. You can save money on interest payments and have more options when shopping for lenders.

Are you ready to buy a home, but a bad credit score negatively impacts your loan application? It can be difficult to secure a competitive home loan without a good credit rating. Credit repair will give you more opportunities when searching for a competitive home loan and increase the chances of your mortgage being approved.

Credit cards can come in handy, but you might find it difficult to obtain a credit card with a suitable interest rate if you have a poor credit score. When you take steps to repair your credit, you’ll increase your chances of approval and gain access to a range of financial perks and bonuses, such as cashback and discounts.

If you’ve already started the credit repair process, consider how much time you’d save passing the job onto experienced professionals. Due to our experience in the industry and vast knowledge of credit repair, we can get you back on the road to a good credit score sooner.

Improve your loan and credit card eligibility and improve your credit score by repairing your credit with Fix My Credit. We’ll work hard to improve your financial situation with credit repair and restoration.

credit repair services

The Fix My Credit Difference

At Fix My Credit, we understand the pain and frustration associated with a bad credit score. We know how challenging it can be to apply for credit when your financial history isn’t perfect.

Our credit repair services can help improve your credit score and fix your credit rating in Australia. We have an excellent track record in assisting individuals to meet their goals by restoring their credit as soon as possible.

If you’re experiencing roadblocks that are stopping you from repairing your credit, our team can help you remove bad credit judgements and defaults from your record. By taking a forward-thinking approach, we will improve your credit rating as quickly as possible.

Our experienced team knows the steps necessary to repair a bad credit score. By understanding your financial situation, we can develop a road map for credit repair and begin the credit restoration process. We’ll transform your credit history to improve your future opportunities.

If you’re struggling with the burden of bad credit, Fix My Credit can help you get back on your feet. You can trust the team to take the necessary steps to improve your credit and restore your financial opportunities.

credit repair australia

Fix My Credit – The Credit Repair Process

Fix My Credit offers services ranging from credit repair to resolving court judgments, debt negotiation and full credit reports. Contact our credit repair team to start your journey to financial freedom.

To ensure we don’t miss anything, we’ll generate a full credit report to discover what lenders see when you apply for credit. The information we gain from this report will help us gain important information about your credit history, what’s having the most impact and what we need to focus on.

We’ll begin as soon as possible to restore your credit, negotiate with creditors, and secure debt consolidations to reduce your monthly repayments and decrease your interest charges. Our team will help minimise the impact of your bad credit history and reduce financial stress.

With our understanding of debt collectors and creditors, we can negotiate terms and solutions to help you get back to a position of financial stability sooner rather than later. This may include designing affordable payment plans and regulating costs to remain within your budget while improving your credit rating with credit repair.

Our team will access various tools to resolve your issues with poor credit and restore your financial freedom. With credit repair online, we’ll help you improve your credit score to increase your credit approval chances and improve your options when applying for loans or mortgages.

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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.

Did you know that credit repair companies can help you repair and restore your credit? In Australia, it’s not always easy to try to repair credit yourself; professional companies like Fix My Credit can help.

The many reasons to seek credit repair in Australia include: 

  1. If you have bad credit, credit repair is a great way to improve your rating. If you have a higher credit score, you may have a better chance of obtaining loans and mortgages, and it can save you money on interest rates.
  2. It’s stressful when you’re overwhelmed with debt. Credit restoration can help remove this stress by improving your credit score and making it easier for you to obtain a loan or mortgage.
  3. Repair your credit and remove black marks against your name and incorrect information. The professionals at Fix My Credit can help remove information that is negatively impacting your credit score.
  4. When you employ an expert to repair your credit, you can improve your chances of obtaining a loan, whether a mortgage, car loan, personal loan or credit card. The Fix My Credit team will help you with online credit repair and help you reach your goals sooner.

Fix My Credit can help restore your credit and improve your financial well-being. We understand the stress of bad credit and aim to help Australians with credit repair to reduce financial instability, improve your credit score and get you back on track.

Get in touch with us

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FAQS

What services does Fix My Credit offer?

Fix My Credit specialises in a suite of credit repair services, including negotiating settlements, correcting inaccuracies on credit reports, such as credit defaults and court judgements and offering tailored advice to improve credit scores, aimed at enhancing financial opportunities for Australians.

How does Fix My Credit approach bad credit repair?

The approach involves a detailed assessment of your credit report to pinpoint inaccuracies, followed by strategic negotiations with creditors and implementing debt consolidation strategies to manage and improve your credit standing.

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.

What outcomes can I expect from the credit repair process?

Expect comprehensive support focused on reducing financial stress through effective negotiations, developing manageable payment plans, and strategic actions designed to significantly improve your credit rating over time.

Can Fix My Credit assist with improving loan and credit card approval rates?

Yes, the service is designed to not only repair credit but also to enhance your chances of securing loans and credit cards with favorable terms, contributing to your long-term financial health.

How do I initiate the credit repair process with Fix My Credit?

Starting the process is straightforward: reach out to their team for an initial assessment, where they will review your financial history and devise a customized plan to tackle your specific credit issues and goals.

How much is credit repair?

Our fee begins at $1,195.00, including GST, for addressing up to two defaults on a single credit file.

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