fixbadcredit-about-us

About Fix Bad Credit

At Fix Bad Credit, we specialise in more than just credit repair—we’re here to help you navigate debt solutions and rebuild your financial future. Our team understands that financial challenges are more than just numbers on a credit report. We take a personalised approach, tailoring solutions that address both your immediate credit concerns and long-term debt management goals.

 

With over a decade of experience, we’ve helped thousands of Australians improve their credit ratings by identifying and removing inaccurate listings, negotiating debt solutions, and providing expert guidance to rebuild credit scores. Our credit repair specialists work closely with our experienced legal team well-versed in Australia’s complex credit laws. We comb through over 8,000 pages of legislation and perform 200 compliance checks to find and fix the errors dragging down your score.

 

When you reach out to Fix Bad Credit, you’re talking to locals who understand your situation, the Australian credit system, and the unique challenges you face. We’re here to provide personalised, confidential support, whether you’re working to fix your credit, resolve debt issues, or secure a fresh start.

Achievements

At Fix Bad Credit, we’ve had the privilege of helping so many Australians like Jules, Izzet, Baljit, and Chris take back control of their financial future. Each case is a reminder of why we do what we do—because behind every credit score is a real person, a family, and a dream.

Meet Jules

Jules' story, for instance, is a perfect example of what can be achieved with the right support. Faced with losing the rural property deal he had painstakingly negotiated, Jules turned to us for help. In just five days, we worked alongside his broker, Cam, to resolve the issues on his credit report and secure the financing he needed. The result? A $100,000 savings for his family and a new life in their dream home.

Meet Izzet

Izzet the 28-year-old plumber from Sydney, faced an uphill battle with a credit score of only 234, a major roadblock to homeownership. Within a day, we had successfully removed a damaging default from his report, and in three weeks, his credit score skyrocketed to 720—opening up the doors to his first home with his partner Steph.

Meet Baljit

Baljit’s story highlights how fixing your credit can lead to life-changing savings. From a 418 credit score and a high-interest mortgage, we helped him increase his score to 845, allowing him to refinance at a much lower rate. This not only reduced his monthly payments but also potentially saving him nearly $680,000 in interest payments over the life of his home loan.

Meet Chris

Chris, an electrician from New South Wales, came to us after feeling trapped by a default listing that was holding him back both personally and professionally. Within a month, we helped him remove the default, improve his credit score, and get his business back on track.

At Fix Bad Credit, we’ve had the privilege of helping so many Australians like Jules, Izzet, Baljit, and Chris take back control of their financial future. Each case is a reminder of why we do what we do—because behind every credit score is a real person, a family, and a dream.

Why Choose Fix Bad Credit?

Personalised Support from a Dedicated Credit Specialist

When you work with us, you get direct, one-on-one support from an Australian-based credit specialist who’s fully committed to your case. No call centres, no bouncing between departments—just real, personalised advice every step of the way.

Transparent, Regular Updates

We believe in keeping you informed. Expect regular, clear communication and regular updates on your progress, so you’re never left in the dark about your credit repair journey.

Over a Decade of Experience as a Family-Owned Business

As a family-owned and operated business with over 10 years of experience, our success is built on your trust and satisfaction. We take pride in treating every case with the care and dedication we would give our own family.

No Result, No Fee—Guaranteed

We stand by our work. If we don’t get results, you don’t pay. It’s that simple. This risk-free guarantee reflects our confidence in delivering effective credit repair solutions.

Complete Confidentiality and Discretion

We understand that financial struggles can feel personal, so we offer a discreet, confidential service to protect your privacy at all times.

Tailored Credit Solutions to Meet Your Needs

No two credit situations are the same, which is why we craft bespoke solutions designed around your specific financial challenges. We don’t push cookie-cutter solutions—we create strategies that work for you.

Mastery of Australian Credit Laws

With deep expertise in Australian credit legislation, we know how to navigate complex regulations and use the law to your advantage, finding the opportunities others might miss.

Your Success is Our Passion

We’re not just about fixing credit scores—we’re passionate about helping you achieve lasting financial freedom. Your success is our success, and we’ll be with you every step of the way to make sure you reach your financial goals.

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Free Credir Report Review

Ready to take control of your financial future?

Get a FREE credit report review with Fix Bad Credit today! Our experts will help you identify errors and create a personalised plan to boost your credit score.

 

Don’t wait—unlock better financial opportunities now!

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Our Mission

To empower Australians by fixing their credit issues and providing personalised debt solutions, so they can enjoy financial freedom and peace of mind.

 

Reach out today for a free, no-obligation assessment, and start your journey toward a brighter financial future!

See What others are saying

Keegan Mason
Keegan Mason
★★★★★
2 weeks ago
CJ's communication throughout the process and knowledge in the credit repair space has been outstanding. His initial phone call was highly professional and thorough taking me through the entire credit report, where things are good and where improvement is required. He then offered me expert advice on how the broker can avoid similar mistakes moving forward. He called me back today to say the bad/ missed payment item had been removed from my file and will be off my credit report by next week. How easy! Well done CJ, highly recommend his services.
Rae Lee
Rae Lee
★★★★★
1 month ago
I contacted Fix bad Credit on a Saturday afternoon. They called me straight back. CJ listened ed to what I wanted to achieve, went through my credit report with me, and explained what everything means, and how it all works. Instead of selling me something I don’t need, he told me what I needed to do at no cost and has now put me in touch with someone who can get me my finance for my home.
Crystal Haines
Crystal Haines
★★★★★
3 weeks ago
CJ has been fantastic! When I called Fix Bad Credit Pty Ltd to get an understanding of their services and pricing I was not expecting SUCH great service. CJ thoroughly explained my partners credit report to me in a way that I could grasp a great understanding of what everything on the report meant. CJ also gave me some fantastic tips to help myself and my partner better prepare our credit records so we can in the next 12 months obtain a home loan. I found CJ extremely professional, kind and incredibly helpful. I’m very grateful for his advice and time.
Keegan Mason
Keegan Mason
★★★★★
2 months ago
CJ's communication throughout the process and knowledge in the credit repair space has been outstanding. His initial phone call was highly professional and thorough taking me through the entire credit report, where things are good and where improvement is required. He then offered me expert advice on how the broker can avoid similar mistakes moving forward. He called me back today to say the bad/ missed payment item had been removed from my file and will be off my credit report by next week. How easy! Well done CJ, highly recommend his services.
Brianna Delaporte
Brianna Delaporte
★★★★★
4 months ago
CJ was fabulous to deal with from start to finish. From the speedy turnaround after my first request for information, and every dealing after that, the whole process was around two to three weeks. We felt like CJ provided us with great information about the process up front and was overly communicative throughout. For anyone who has an issue with a blip on their credit report, we highly recommend working with CJ to get it sorted.
Rebecca Bray
Rebecca Bray
★★★★★
3 months ago
After a relationship breakdown and separation, I needed help from CJ to repair a bad credit rating. From the very first meeting CJ was understanding, helpful and knowledgeable in all aspects of my situation. The communication, feedback, updates and attention to detail have been 5 star!! A positive outcome means I can start to get my life back on track and move forward financially. So very grateful. Thank you CJ
Charmaine Simpson
Charmaine Simpson
★★★★★
4 months ago
We had the pleasure of using Fix Bad Credit to remove an RHI. CJ was thorough and informative throughout the whole ordeal, keeping us up to date, and just truly made the whole experience a breeze for us. Highly recommend CJ and the team!
Andrew Lambie
Andrew Lambie
★★★★★
2 months ago
Where do I start? I was advised to use a credit repair business based over east. Well. What a waste of time that was. I then found CJ… and let me tell you, he is brilliant at his job. He managed to reach out to the credit provider and have it removed from Equifax. Don’t waste time looking for someone else. Get onto CJ at Fix Bad Credit… Seriously, you will not be disappointed.
Jules Moore
Jules Moore
★★★★★
4 months ago
Wow - I was really impressed with the support I received from CJ in resolving a credit issue. He was prompt in responding, friendly, helpful and professional. With the support I received from Fix Bad Credit Perth I am now able to buy a family home which was not going to be possible. Thank you! If I could give 6 stars I would.
unmi akinyemi
unmi akinyemi
★★★★★
4 months ago
CJ and the team is an absolute legend. Very professional , explained the process to me. They were able to have a default taken off which seemed so impossible. Best in the business. So very grateful.
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