1300 739 860

Finance rejected due to bad credit?

45,000+

Removed

20+ Yrs

Experience

98.8%

Satisfaction

Finance Rejected Due To Bad Credit?

  • 45,000+ negative items removed
  • 20+ Years Experience
  • 98.8% Satisfaction
We specialise in legally deleting
  • Credit defaults
  • Credit enquiries
  • Judgments
  • Late payments

ASIC licenced & Authorised
Licence No. 531718

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Unlock Your Options Today

Four Items We Remove

We Remove the 4 Issues killing credit Scores

Item 1

Credit Enquiries

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.

Item 2

Credit Defaults​​

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.​

Item 3

Court Judgements

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 ​

Item 4

Repayment History​

Repayment history information shows your monthly repayments on financial products & loans. If payments are on time, a 0 appears, or 1-6, or X if late, represents how behind you are. These remain for 2 years, decreasing your score.​

Important: while Credit Clean Australia has removed the above four types of listings in the past, the results listed on our website do not guarantee removals, and every case is different.

Our Results

Results That Speak for Themselves

Choose a company whose reputation is built on results

Points added to credit scores
+ 1 points
+ 1
points
Bad credit deleted​
+ $ 1
Years Saved by Early Removal
+ 1 years
+ 1
years
Removals in 30 days
1 %
Negative listings removed
1 +
Complex single file cleanup
1 + defaults deleted
1
1 + defaults
deleted
+ defaults deleted

Past results don’t guarantee future results.

Why Choose Us

Why Choose Us?

ASIC
Licenced

Australian Credit Licences (ACL. 531718) are only granted after legal & regulatory compliance audits, providing confidence we operate professionally, ethically & lawfully.

Australian Financial Complaints Authority

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

Unmatched Experience
In New Laws

Our continual legal reviews keeps us across complex and evolving privacy legislation, allowing us to operate at a level beyond standard credit repair services

20 + Years
Experience

Credit Clean Australia is one of the longest running credit restoration firms in Australia since 2005

98.8 % Customer Satisfaction rate

This was from paid clients, that completed over 4000 survey through their credit restoration journey with us

Over 500 + 5 Star Google
& Trust Pilot Reviews

Hundreds of Australians have left 5-star reviews praising our team, our process, and the results we’ve helped them achieve.

How it works

Our Proven 4 Step Credit Restoration Process

Fixing your credit is simple! Follow our 4-step process to remove negative listings and improve your score fast.

SecureConfidentialDoesn't affect your score
STEP 1Credit File Assessment
STEP 1Credit File Assessment
Credit Clean Australia Australian specialist Australian Specialist Credit Clean Australia

Find What Is Hurting Your Credit Score

Understand what's affecting your credit score and what options you may have to fix it by booking a credit file assessment below.

Your Assessment Includes:

  • Both Equifax & Experian credit files audited
  • Potentially incorrect or disputable listings identified
  • Understand what’s affecting your credit score
  • Clear options and next steps
$39.95ONE-OFF FEE
$39.95AUD
EQUIFAX & EXPERIANReports included
25 MINPhone call
PRE-CALL
ASSESSMENT
credit files audited prior
EQUIFAX &
EXPERIAN
bank grade reports
SPECIALIST
GUIDANCE
options & next steps
STEP 1

Book Your Credit File Assessment

Credit Clean Australia credit specialist
CREDIT SPECIALIST
Australian SpecialistCredit Clean Australia

Book Your Credit File Assessment

1. Select a Date & Time

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MONTUEWEDTHUFRI
Available Times(Brisbane Time)

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Next Steps

Next Steps After Your Assessment

Assessment
2Investigation
3Approved or Denied
4Disputes & Result
Step 2

Investigation

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.

Step 3

Approved or Denied

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.

Step 4

Disputes & Result

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.

Live Removals From Our Clients

Live Credit File
Removals

Results shown are based on current & passed cases and outcomes are not guaranteed and may vary depending on individual circumstances.

DELETED
FREEDOM COLLECTION SERVICES$897Julia H.VIC
DELETED
CREDIT CORP RECOVERIES$840Julia H.VIC
DELETED
CREDIT CORP RECOVERIES$6,361Julia H.VIC
DELETED
LATITUDE$0 EnquiryAnnalise B.SA
DELETED
CREDIT CORP RECOVERIES PTY LTD (ORIGIN ENERGY)$840Julia H.VIC
DELETED
CREDIT CORP RECOVERIES PTY LTD (ORIGIN ENERGY)$6,361Julia H.VIC
DELETED
WESTPAC$13,467Kirk U.WA
DELETED
WESTPAC$13,467Kirk U.WA
DELETED
CREDIT CORP FIN SERVICES (13/03/2024)$0 EnquiryJANEEN H.QLD
DELETED
CREDIT CORP FIN SERVICES (13/03/2024)$0 EnquiryJANEEN H.QLD
DELETED
CREDIT24 / IPF DIGITAL$50Kirk U.WA
DELETED
LATITUDE FINANCE$0 EnquiryNgoc N.NSW
DELETED
MONEYME$0 EnquiryAnnalise B.SA
DELETED
MONEYME$0 EnquiryAnnalise B.SA
DELETED
VENTURE 5$600Annalise B.SA
DELETED
VENTURE 5$1,900Annalise B.SA
DELETED
CREDIT CORP FINANCIAL SERVICES (WALLET WIZARD)$0 EnquiryAnnalise B.SA
DELETED
CREDIT CORP FINANCIAL SERVICES (WALLET WIZARD)$0 EnquiryAnnalise B.SA
DELETED
ZIP (ZIPPAY)$0 EnquiryNgoc N.NSW
DELETED
ZIP (ZIPMONEY)$0 EnquiryNgoc N.NSW
DELETED
IPF DIGITAL AUSTRALIA (CREDIT24)$0 EnquiryNgoc N.NSW
DELETED
NOW FINANCE$7,500Ngoc N.NSW
DELETED
SWOOSH FINANCE$4,584Ngoc N.NSW
DELETED
MONEYME$5,000Ngoc N.NSW
DELETED
PLENTI RE LIMITED$10,000Ngoc N.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
FREEDOM COLLECTION SERVICES$897Julia H.VIC
DELETED
CREDIT CORP RECOVERIES$840Julia H.VIC
DELETED
CREDIT CORP RECOVERIES$6,361Julia H.VIC
DELETED
LATITUDE$0 EnquiryAnnalise B.SA
DELETED
CREDIT CORP RECOVERIES PTY LTD (ORIGIN ENERGY)$840Julia H.VIC
DELETED
CREDIT CORP RECOVERIES PTY LTD (ORIGIN ENERGY)$6,361Julia H.VIC
DELETED
WESTPAC$13,467Kirk U.WA
DELETED
WESTPAC$13,467Kirk U.WA
DELETED
CREDIT CORP FIN SERVICES (13/03/2024)$0 EnquiryJANEEN H.QLD
DELETED
CREDIT CORP FIN SERVICES (13/03/2024)$0 EnquiryJANEEN H.QLD
DELETED
CREDIT24 / IPF DIGITAL$50Kirk U.WA
DELETED
LATITUDE FINANCE$0 EnquiryNgoc N.NSW
DELETED
MONEYME$0 EnquiryAnnalise B.SA
DELETED
MONEYME$0 EnquiryAnnalise B.SA
DELETED
VENTURE 5$600Annalise B.SA
DELETED
VENTURE 5$1,900Annalise B.SA
DELETED
CREDIT CORP FINANCIAL SERVICES (WALLET WIZARD)$0 EnquiryAnnalise B.SA
DELETED
CREDIT CORP FINANCIAL SERVICES (WALLET WIZARD)$0 EnquiryAnnalise B.SA
DELETED
ZIP (ZIPPAY)$0 EnquiryNgoc N.NSW
DELETED
ZIP (ZIPMONEY)$0 EnquiryNgoc N.NSW
DELETED
IPF DIGITAL AUSTRALIA (CREDIT24)$0 EnquiryNgoc N.NSW
DELETED
NOW FINANCE$7,500Ngoc N.NSW
DELETED
SWOOSH FINANCE$4,584Ngoc N.NSW
DELETED
MONEYME$5,000Ngoc N.NSW
DELETED
PLENTI RE LIMITED$10,000Ngoc N.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW
DELETED
PEPPER$0 EnquiryCraig B.NSW

Before and After

Check Out The Difference We’ve Made In These Credit Scores

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.

real cost of your credit score

See How Much
bad credit can cost you ?

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.

Good Credit VS Bad Credit Calculator

Select your loan type
Loan Term 30 years
Enter the loan amount
Monthly payments with good credit —
Extra Interest With Bad Credit! —
Monthly payments with bad credit —
Secure Your Assessment Now

Client Testimonials

Hear from some of our customers

Luca Gattini

Verified Client
Telstra
Default Removal
Melbourne, Vic
+257
Point Increase

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.

Luca Gattini testimonial
YouTube

Credit Impaired Effects

How Being Credit Impaired Affects You

0
Credit Score
—

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.

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Credit Clean Vs. The Others

Credit Clean Australia vs Other Companies

A Side-by-Side Comparison

If a negative listing is disputed incorrectly, future disputes may be refused and the listing could remain on your file for up to five years, which is why choosing the right company matters.

How We CompareOther Credit Score Reduction Companies
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 & transcribed for compliance
100% Australian operated with no offshore staff
Work on all 4 credit file issues: defaults, judgements, RHI & enquiries
Get Your Assessment Now
How We CompareCCAOTHERS
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

Companies We Deal With

Defaults We Remove on a Daily Basis

Common causes of bad credit can vary from relationship breakdowns, moving address or lost mail to financial hardship and disputed accounts.

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FAQs

Frequently Asked Questions

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. 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.

If there has been a breach of legislation, around 30 days, however, if unsuccessful and we need to pursue other avenues, each stage of our credit restoration process varies. Keep in mind Credit Clean Australia cannot guarantee the removal of any listings.

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.

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.

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Hear From Our Clients

We've Helped Thousands of Clients Reclaim Good Credit Ratings

Call us now 1300 739 860Call now