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Based on 135 reviews

Our Services

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

Get in touch with us

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If I only have a small $200 vodafone default should I still bother as the default is less than your fee?

YES! Its not the size of the default it’s the fact you have one, even if you pay the $200 debt you are still going to be in the exact same position with bad credit! As paying the debt DOES NOT remove it!

Do I have to pay my default first before it can be removed?

If the listing is disputable then NO you do not have to pay it to have it removed. You will however have to settle the debt with the provider at a later stage.

Is a Credit Default and a Court Judgement the same thing?

No. A default is listed by the provider straight to the credit reporting agency themselves. A Judgement is listed through the courts.

Can you 100% guarantee to can clean my file?

No. A listing can only be removed if it has been listed in error, or if the listing itself is disputable.

Do you charge an admin fee?

No. Unlike most other competing companies out there, we only charge a one off fee only IF you are accepted for our services. Be careful you don’t get sucked in to paying high administration fees that some companies charge for what we do at no cost!

Is Credit Repair Legal?

Absolutely. You as the consumer have the right to challenge any listing on your credit file that you believe is disputable or listed in error.

Do I have to do anything?

Our company advocates on your behalf, the most you may be asked to do is sign where needed.

If I purposely didn’t pay my bills when I was younger can it still come off?

Yes in some cases, however only if there has been a breach in legislation prior to listing you.

How long does the whole process take to remove bad credit?

Equifax allows a maximum of 30 days to have a response but this can vary on a case by case scenario.

Are you linked with Equifax?

No, although we have access to Equifax’s system we are not associated with them in any way, shape or form.


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.

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