Credit Repair with
Fix Bad Credit

Improve your credit to secure better loan approvals and lower interest rates. Fix Bad Credit is here to guide you towards financial freedom with our tailored solutions for credit repair in Australia. Let’s improve your credit!

Think you’re stuck with a bad credit report?

Despite what some credit repair companies may claim, you can’t simply erase legitimate credit issues from your record. In most cases, you’ll need to wait for the required time before negative listings disappear naturally. But here’s the good news: inaccurate/incorrect details can be removed – and that’s where Fix Bad Credit comes in.

At Fix Bad Credit, we don’t just scratch the surface. Our credit repair experts work hand-in-hand with our experienced legal team, well-versed in Australia’s complex credit laws. With over 8,000 pages of legislation and 200 compliance checks in play, we know exactly where to look to find errors that could be weighing down your credit score.

With more than a decade of experience in the industry, we’ve helped countless Aussies improve their credit rating by removing inaccurate listings and boosting their score faster than they thought possible.

Credit issues that may be able to be corrected or removed from your credit report to improve your credit score

Personal Information

Accurate personal information on your credit report is essential to maintaining a healthy credit score. Errors such as incorrect names, outdated addresses, or wrong employer details can lead to loan rejections and lowered credit scores. These mistakes often arise from simple errors, but they can harm your financial profile significantly.

Credit Default Removal

Defaulting on a loan or bill payment—usually after being overdue for more than 60 days—can significantly damage your credit score. A default can stay on your credit report for up to five years, making it difficult to secure new loans, credit cards, or even a rental property. Unfortunately, many Australians don’t realise that a single missed payment can affect their financial future for such a long period.

Late Repayment Removal

Late or missed payments can haunt your credit report for up to two years. These are listed as Repayment History Information (RHI) and can create a perception of financial unreliability. Many Australians don’t realise that even a small slip-up, like forgetting a credit card payment, can leave a lasting mark. Lenders use this data to assess your risk level, and too many missed or late payments could lead to higher interest rates or outright loan rejections.

Credit Enquiry Removal

Every time you apply for credit—whether it’s a loan, credit card, or even a mobile phone plan—it triggers a credit enquiry on your report. What many don’t know is that each of these enquiries stays on your credit report for five years, even if the application was unsuccessful. Multiple enquiries within a short period can signal to lenders that you're in financial trouble or desperate for credit, which can lower your score and affect your chances of approval.

Court Judgment Removal

If you’ve had a legal judgment against you—whether it’s from unpaid debts or legal disputes—it can leave a lasting stain on your credit report for up to five years. This type of listing can make it nearly impossible to obtain credit from most lenders, as court judgments are seen as serious financial liabilities. Unfortunately, many Australians feel trapped by their credit situation after receiving a judgment, believing there's no way out.

Serious Credit Infringement Removal

A serious credit infringement occurs when a creditor is unable to contact you for an extended period, typically six months or more. This type of listing can stay on your credit report for a whopping seven years, marking you as a high-risk borrower to future lenders. Even if the debt is eventually paid, the listing reverts to a default and can remain for five years, continuing to damage your credit score long after the issue is resolved.

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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.

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The Credit Repair and Debt Solution Process in Australia

Identify

Contact us for expert credit and debt help. We'll assess your situation, review your credit and debt, and create personalised solutions to achieve your financial goals.

Plan

We’ll create a tailored plan to improve your credit, reduce debt, and set up a repayment schedule, providing options and guidance to help you regain financial control.

Repair

We’ll implement your plan, address defaults, reduce debts, and handle the hard work, keeping you informed for easy credit repair and debt management.

Monitor

We’ll monitor your credit, review your score, and catch issues early. Our ongoing service ensures your plan stays on track, helping you maintain control of your financial future.

Before getting started on improving your credit

Improving your credit score can lead to better financial opportunities and savings. Before working with Fix Bad Credit, be prepared and informed for a smooth repair process.

Obtain a Current Credit Report

Ensure you have a recent copy of your credit report from major credit bureaus Equifax and Experian (note: Experian now provides a consolidated report that covers Illion data). This report will be used by Fix Bad Credit to identify areas that need correction or improvement. We can order them for free if you would like on your behalf.

Active Participation is Beneficial

Your involvement, such as providing necessary documentation on time and following the plan, is crucial to achieving the best results. Working closely with us will enhance the effectiveness of the credit repair process.

Understand Your Credit Report

Take the time to understand the information on your credit report. Knowing what factors are affecting your score can help you and Fix Bad Credit target specific areas for improvement.

Avoid New Debt or Credit Enquiries

While repairing your credit, try to avoid taking on new debt or making new credit enquiries. This can help stabilise your financial situation and improve your credit score over time.

Make Timely Payments

Ensure all your bills and debts are paid on time. Consistent, on-time payments are one of the most significant factors in improving your credit score.

Frequently Asked Questions?

What is a good credit score?

A good credit score in Australia generally falls above 650, while a score above 726 is considered very good or excellent. Lenders view a good credit score as a sign of responsible financial behaviour, making it easier to get approved for loans and credit. If your score falls below 650, you may face higher interest rates or rejection from lenders. Fix Bad Credit can help improve your credit score by removing negative listings, so you can enjoy the benefits of a good score.

How is my credit score calculated?

Your credit score in Australia is calculated based on factors like payment history, credit enquiries, credit limits, and the length of your credit history. Each of these factors is weighed differently, with enquiries and payment history typically having the most significant impact. Excessive enquiries, defaults, missed payments, or high levels of debt can lower your score. By addressing negative listings and errors, Fix Bad Credit helps you regain control of your credit score, improving your overall financial health.

How quickly can Fix Bad Credit improve my credit score?

The time it takes for Fix Bad Credit to improve your credit score depends on the complexity of your case. In some instances, negative listings can be removed within a few business days, while more complicated cases may take a few weeks. On average, clients see significant improvements in their credit score within 4-6 weeks. Fix Bad Credit works to remove defaults, judgments, and incorrect listings as quickly as possible, ensuring a more favourable score.

Will closing a credit card improve my credit score?

Closing a credit card may not automatically improve your credit score and could even lower it in some cases. While reducing available credit may help prevent further debt, closing an account can shorten your credit history, which is a factor in credit score calculation. If the card has a high balance, consider paying it down first. Fix Bad Credit can assess your situation and offer tailored advice on how to best manage your credit cards to improve your score.