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ASIC licenced & Authorised
Licence No. 531718
When applying for credit It adds a enquiry on your credit file for 5 years. The loan amount, credit type, & number of enquiries can dramatically impact your score.
A credit default occurs when a debt falls 60 days overdue & is over $150, & stays on your file for 5 years, regardless of if you pay it once defaulted. A default significantly affects your credit score.
A court judgement occurs when a creditor has taken legal action against you in regards to a owed debt. This remains of your credit file for 5 years, regardless of if its paid. A Court judgement heavily reduced your credit score
Repayment history information records whether your repayments for personal loans, credit cards, mortgages, car loans etc are being paid on time each month. It will show as a 0,meaning not late, or 1,2,3,4,5,6, X depending on how late you are. These remains on your credit file for 2 years, & can heavily decrease your credit score.
Choose a company whose reputation is built on results
Results shown are based on current & passed cases and outcomes are not guaranteed and may vary depending on individual circumstances.
Australian Credit Licences (ACL. 531718) are only granted after legal & regulatory compliance audits, providing confidence we operate professionally, ethically & lawfully.
Being a AFCA member (ID 81727), protects consumers allowing them to lodge complaints if a member fails to meet their obligations.
The AFCA decisions are legally binding
Our continual legal reviews keeps us across complex and evolving privacy legislation, allowing us to operate at a level beyond standard credit repair services
Credit Clean Australia is one of the longest running credit restorations firms in Australia since 2005
This was from paid clients, that completed over 4000 survey through their credit restoration journey with us
Hundreds of Australians have left 5-star reviews praising our team, our process, and the results we’ve helped them achieve.
Fixing your credit is simple! Follow our 4-step process to remove negative listings and improve your score fast.
We pull your Equifax & Experian credit files (formerly Illion), audit them for score-boosting opportunities, identify challengeable listings, explain key issues, and give you a clear understanding of your creditworthiness, options, and next steps, with no obligation.
We investigate the circumstances behind each listing on your credit file, identifying potential breaches of the Privacy Act or non-compliance with the Credit Reporting Code. This is completed with you over the phone through 40+ simple yes, no, or unsure questions, along with your personal circumstances at the time.
If our investigation identifies multiple potential breaches, you may be approved for our credit restoration services. If not, your application will be declined, and your consultant will explain why, providing complete clarity.
Note: Approval does not guarantee the removal of any listing.
Formal removal requests are lodged with Equifax, Experian, and relevant credit providers, with escalation to AFCA, the OAIC, courts, or other bodies where required.
If a breach is confirmed, listings may be removed, in most cases boosting your credit score and helping future finance applications.
We assess your position across Equifax and Experian(lenders use both). Choose the tier that matches what you already have, same assessment, just choose which credit files we provide.
one-off fee
one-off fee
one-off fee
Once you have had all your options thoroughly explained, the costs for our services and only if you are happy to proceed, we will conduct our investigation to determine if you return with a solid case for credit restoration.
We investigate the circumstances behind each listing on your credit file, identifying potential breaches of the Privacy Act or non-compliance with the Credit Reporting Code. This is completed with you over the phone through 40+ simple yes, no, or unsure questions, along with your personal circumstances at the time.
If our investigation identifies multiple potential breaches, you may be approved for our credit restoration services. If not, your application will be declined, and your consultant will explain why, providing complete clarity.
Note: Approval does not guarantee the removal of any listing.
Formal removal requests are lodged with Equifax, Experian, and relevant credit providers, with escalation to AFCA, the OAIC, courts, or other bodies where required.
If a breach is confirmed, listings may be removed, in most cases boosting your credit score and helping future finance applications.
Results shown are based on current & passed cases and outcomes are not guaranteed and may vary depending on individual circumstances.
See real results from our clients! Check out how we’ve helped improve credit scores, remove negative listings, and unlock better financial opportunities.
Results shown are based on current & passed cases and outcomes are not guaranteed and may vary depending on individual circumstances.
Use our loan estimator to see the difference in monthly repayments due to having bad credit and the total in additional interest it can end up costing you over the term of the loan.
Townsville, Qld
Jamie had a Electricity Default after moving address. Another successful story from Credit Clean Australia and our dear customers. Thank you Jamie for having us and your testimonial. All the best to you and your family.
Point Increase
Debt Erased
Sydney, NSW
Jeremy had a RACQ Judgement regarding a work accident dispute. Another successful story from Credit Clean Australia and our dear customers. Thank you Jeremy for having us and your testimonial. All the best to you and your family.
Point Increase
Debt Erased
Adelaide, SA
Stuart had a Flexirent Default after attending a family matter overseas. Another successful story from Credit Clean Australia and our dear customers. Thank you Stuart for having us and for your testimonial. All the best to you and your family.
Point Increase
Debt Erased
Melbourne, Vic
Luca had a Telstra Default regarding unpaid bills after a travel. Another successful story from Credit Clean Australia and our dear customers. Thank you Luca for having us and your testimonial. All the best to you and your family.
Point Increase
Debt Erased
Melbourne, Vic
Adam had a Vodafone Default without receiving any notice. Another successful story from Credit Clean Australia and our dear customers. Thank you Adam for having us and your testimonial. All the best to you and your family.
Point Increase
Debt Erased
Melbourne, Vic
Graham had a Business Car Loan Default after getting behind on payments. Another successful story from Credit Clean Australia and our dear customers. Thank you Graham for having us and for your testimonial. All the best to you and your family.
Point Increase
Bad credit removed
Your credit score plays a critical role in your financial future, influencing approvals, interest rates, deposits, and loan terms.
A lower score can mean higher repayments, stricter conditions, or being declined altogether. It can also impact everyday essentials like phone plans, internet, and utilities often for up to 5 years.
Over time, this compounds, costing you thousands and delaying your financial goals. The good news is, what’s on your credit file isn’t always final. Many listings are incorrect, and even one negative mark can hold you back.
The first step is understanding exactly what’s on your credit file, and what you can do about it.
If a negative listing is disputed without a structured legal approach, not based around the Privacy Act and the Credit Reporting Code, or handled by an operator lacking the technical expertise, further disputes may be refused.
This can result in the listing being recorded as correct and remaining on your file for up to five years.
For this reason, choosing the right company from the start is critical.
| How We Compare | CCA | OTHERS |
|---|---|---|
| One fee & No Ongoing Payments |  |  |
| 20 + years of proven track record | | |
| Free investigation process |  | |
| PayPal pay in 4 available | | |
| Constant updates to new laws for better results | | |
| All calls recorded & transcript for compliance | | |
| 100 percent Australian operated with no offshore staff | | |
| Work on all 4 credit file issues defaults judgements RHI enquiries | | |
Common causes of bad credit can vary from relationship breakdowns, moving address or lost mail to financial hardship and disputed accounts.
With over 20 years of experience, we’ve helped thousands of Australians restore their creditworthiness and move forward with confidence.
Our approach focuses on identifying errors, inconsistencies, and potential compliance issues across all major credit reporting bodies, including Equifax and Experian ensuring every case is handled with precision and care.
Every credit file is different. That’s why we take the time to understand your situation and provide clear, honest guidance based on what’s actually possible tailored specifically to you.
Most people assume that if something is on their credit file — it must be correct, and that if they simply pay it, it will go away. That’s not how credit reporting works.
In many cases, paying an overdue account does not remove it — it’s simply updated to “paid” while still impacting your score and ability to get approved.
In Australia, credit providers and reporting bodies must follow strict legal requirements before listing defaults, enquiries, or other negative information. If even one requirement is not met, the listing may be considered inaccurate or non-compliant.
At Credit Clean Australia, we audit your credit file, identify listings that may be open to challenge, and investigate whether they have been reported correctly. Where issues are found, we initiate a formal correction process.
Once a correction process is initiated, the credit provider and reporting body are required to conduct a compliant investigation, review records and notices, provide supporting evidence, respond within strict timeframes (typically 30 days), and provide written reasons if they refuse correction. Failure to meet these obligations is itself a breach. If they cannot properly substantiate the listing, it may not be able to remain on your credit file.
Find answers to common questions about our credit file assessments, how the process works, and what to expect before taking the next step.
Our assessment doesn’t just explain the issues, it also allows us to audit the credit files for all credit score boasting possibilities, review all items that could be disputed, & provide next steps & an action plan
The free credit file doesn’t provide a credit score, which is critical for our assessment, however the Equifax file with a score & your Experian file that is included is not the main feature, the advice from our specialists is, allowing you to know your options & audit your file for boosting oppurtunuties
No. Because what looks like the main issue, isn’t always what’s actually impacting your position the most. Our specialists assess all factors affecting your file, including loan types, recent applications, and potential data issues which are often missed without expert review.
No. We access your credit file as an access seeker, which means we don’t leave a record or a credit enquiry on your credit file. We access your credit file the same way you would.
The only difference is whether you already have your credit files or need us to obtain them for you. The assessment itself remains the same. However, the premium option includes the Equifax report not available to the public & is used by the banks.
No. All our credit file assessments are obligation free.
No. However it is always advisable to pay your liabilities.
We always advise to pay your debts, however once a default is listed, paying the default only marks it as paid, leaving your credit file still impacted for up to 5 years.
No. The items we dispute are limited to credit enquiries, defaults, clearouts, court judgements and repayment history information.
If there has been a breach of legislation, around 30 days. However, if we need to pursue other avenues, each stage of our credit restoration process varies.
Yes. To provide debt management services in Australia, you need to have an Australian credit licence (our licence no.531718). If a provider is offering our services without a license issued by the Australian government it is a serious criminal offensive.
No. We can’t guarantee the removal of any items from your credit report under any circumstances. The investigation process however is implemented to ensure our clients have sufficient grounds to apply for the remove and have a case to do so.
Because most people take action on their credit file without properly understanding it and is some cases end up making the wrong decisions. They pay listings that could have been challenged, ignore items that are actually harming their approval chances, or take steps in the wrong order. What appears obvious on a credit file is not always what is actually impacting your position. Our specialists have over 10 years of experience assessing credit files and reviewing all possible factors affecting your credit profile. Clients often assume a default or judgment is the main issue, when in many cases it’s something less obvious — such as the type of loans applied for, recent applications lowering the score, or even incorrect or matched data linked to the file.
Without a proper assessment, these factors are often overlooked. A structured assessment ensures your file is fully reviewed, identifies what may be challengeable, what should be addressed, and provides a clear action plan before you take any action.
Take the first step today by booking your credit file assessment. We begin by reviewing your full credit position across both Equifax and Experian—because lenders assess both, we only proceed once we have a complete picture.
From there, you’ll discover where you stand, explore the options available to you, and uncover potential opportunities where identified that could improve your credit score.
one-off fee
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