Credit Assessment

Let Fix Bad Credit do what we do best, so you can get on with living life at its best.

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At Fix Bad Credit we are passionate about helping everyday Australians to improve their credit and debt situations. We work to help you:

  • Get back in control of your money, instead of letting your money situation control you.
  • Get on track to achieving financial freedom, and
  • Start living your best life!

For this reason, we offer a FREE NO OBLIGATION CONFIDENTIAL credit review of your unique financial situation.

Fix Bad Credit’s credit review includes:

1. One of our Credit Experts will get in touch for a confidential chat to better understand your current financial situation, your financial goals and any concerns you have with your history of managing bills and repaying any credit you may have had.

2. With your permission, we then order copies of your credit reports on your behalf, at no cost, from the three main Credit Reporting Agencies in Australia:

  • Equifax (previously known as Veda).
  • Experian Australia
  • Illion (formerly trading as Dun & Bradsheet Australia

3. Once we have received your credit reports, your personal Credit Expert then reviews them, along with your credit score, to identify any issues or concerns.

Your personal Credit Expert will then be back in touch to take you through the issues that are affecting your credit, providing a FREE ASSESSMENT of your current credit situation, including your credit report, and a range of options for improving your credit, addressing any debt you may have and get you back in control of your financial situation. By the end of our credit assessment process, you will understand exactly what can be done to improve your credit, stop worrying about those never-ending bills and get rid of those pesky creditors and
debt collectors.

Your credit report contains information on your history of managing credit. Along with your personal details, this can include a record of:

  • The length of time you’ve had credit.
  • Details of credit enquiries.
  • Credit contracts such as telephone, electricity, gas and internet.
  • Credit accounts such as credit cards or mortgages.
  • Monthly repayment history on credit accounts.
  • Overdue accounts such as defaults and serious credit infringements, including if you’ve avoided a creditor.
  • Public record information like court judgements and bankruptcy.
  • Your business interests.

As you can imagine, everyone’s credit history is different, and likewise, no two credit reports are the same. Fix Bad Credit’s assessment specifically targets those issues that are impacting you and your credit. Listed below are just some of the many factors that may be affecting your credit reputation that we will review and assess.

Personal Information inaccuracies

Your personal credit expert will closely review all the personal information in your credit report to ensure it matches with what you have told us. For example, forgetting to advise creditors when you change your name is one of the most common reasons for inaccuracies or mistakes on credit reports.

Reporting Errors

Errors can end up on your credit report and are items that are simply inaccurate. This can happen from data entry mistakes or even identity theft. If found Fix Bad Credit can arrange for them to be corrected on your behalf.

Multiple Credit Enquiries

Errors can end up on your credit report and are items that are simply inaccurate. This can happen from data entry mistakes or even identity theft. If found Fix Bad Credit can arrange for them to be corrected on your behalf.

Late or Missed Payments

Late and missed payments on loans and credit cards are recorded on your credit report for two years.

Defaults and Serious Credit Infringements (or clear outs)

Credit defaults, which is when you fail to repay a debt, it can remain on your report for five years. A clear out is where you fail to repay a debt and the creditor subsequently can’t contact you. A clear out will remain on your report for seven years.

Debt Agreements

A debt agreement is a formal arrangement between you and your creditors when you are unable to pay back the money you owe. It can remain on your report for five

Court Judgement

If you borrow money from a lender and fail to pay it back, they can sue you for an unpaid debt. If you lose, the court will enter a judgement that will appear on your credit report. Court judgements can remain on your credit report for five years and can impact your ability to obtain credit.

Bankruptcy

Bankruptcy is listed on your credit report for two years from the date your bankruptcy finishes, or five years from the date you were declared bankrupt. In some cases, it can stay on your report for even longer.

As you can see, there are a lot of factors that might be affecting your credit reputation. Your personal Fix Bad Credit Credit Expert will review your report for the above issues, taking into consideration your personal financial situation and financial goals. They will then provide an assessment of what exactly is affecting your credit, identifying the options you can take for improving your credit reputation, addressing any debt you may have and getting you back in control of your financial situation.

Frequently Asked Questions

  • Can I really become debt free?
    Our experienced team have been helping Australians get out of debt for over 10 years. No matter your unique situation, we have a solution to help you achieve a debt free life.
  • Does it cost to check my credit score?
    No, you can request a free copy of your personal credit report online from the three Credit Reporting Agencies.
    • Equifax (previously known as Veda).
    • Experian Australia
    • Illion (formerly trading as Dun & Bradstreet Australia)
    Alternatively, you can contact us, and we can order your credit reports on your behalf, at no cost.
  • How can Fix Bad Credit help me with my debt?
    Fix Bad Credit’s mission is to help you take control of your debt and achieve financial freedom. We will undertake a free confidential assessment of your current finances, taking the time to fully understand your unique financial situation to tailor the best debt solution options to meet your needs. We provide you with as much information as possible upfront, so you can make an informed and confident decision about the debt solution that’s best for your particular circumstances and budget. We then deal directly with your creditors, you only deal with the same friendly credit and debt solution expert that you have since day 1. We take care of the pain, so you can get on with living.
  • How do I stop the debt collector calling me?
    Working with Fix Bad Credit, our legal team will contact your creditors, and stop those annoying phone calls, once and for all. Your stress will be less and you’ll no longer need to worry every time your phone rings.

Take Control of Your Debt and Start Living Financially Free

Get your free credit assessment and consultation with our experienced team. You’ll receive tailored recommendations at no cost and with no obligation.