Who we are
Credit Clean Australia is a credit repair and debt-management provider based on the Gold Coast. We help people understand what is on their credit file and, where there are grounds to do so, challenge listings that may be inaccurate, unfair, out of date or recorded in breach of the rules. We are the trading name of MGE (ACN 115 371 581), and we have been operating in this field for more than 20 years.
Our office is at Suite 137, Building 1 ‘Lakehouse’, 34 Glenferrie Drive, Robina QLD 4226, and you can reach us on 1300 739 860.
Licensed and accountable
Debt management and credit repair are regulated activities in Australia, and providers are required to hold an Australian Credit Licence. We hold Australian Credit Licence 531718, which is issued and overseen under the Australian Securities and Investments Commission (ASIC) framework.
We are also a member of the Australian Financial Complaints Authority (AFCA), member number 81727. AFCA is the free, independent external dispute resolution scheme for financial services in Australia. Membership means that if you have a complaint we cannot resolve to your satisfaction, you can take it to an independent body at no cost to you. We think that kind of accountability matters, and we would rather you knew about it up front.
We hold direct membership with all three of Australia’s credit reporting bodies — Equifax, Experian and illion — which is how we access and correspond about credit file information as part of our work.
The way we work: assessment first
We start with a paid credit file assessment rather than a sales pitch. For $39.95, we look at your actual credit file and tell you honestly what we see: what is listed, what may be open to challenge, and what is not. This is deliberate. It means you make a decision based on your real situation, not on a promise made before anyone has looked at anything.
Sometimes the assessment shows there is a genuine basis to dispute a listing. Sometimes it shows the listings are accurate and correctly recorded, in which case there may be nothing we can properly challenge. When that is the case, we tell you. We would rather lose the work than take money for something we cannot honestly help with.
We do not guarantee removals. No legitimate credit repairer can, because whether a listing can be removed depends on the facts and on the response of the lender or credit reporting body. Any provider promising guaranteed removal is a provider to be wary of.
What we do and don’t do
Our work focuses on the entries that can appear on a credit file and, in the right circumstances, be challenged:
- Defaults
- Court judgements
- Credit enquiries
- Repayment history information
- Serious credit infringements (sometimes called clearouts)
There are things we do not do. We do not deal with bankruptcy or Part 9 debt agreements — those are formal insolvency matters handled through other channels. And we cannot remove a listing simply because you would prefer it gone. There has to be a proper basis, such as an inaccuracy, an unfairness, an out-of-date entry, or a breach of the applicable rules.
Compliance and conduct
Because we operate in a regulated space, we take compliance seriously in practice, not just on paper. Calls are recorded, which helps keep our conduct consistent and gives us a clear record of what was said and agreed. We keep our processes tested against the privacy and credit reporting laws that govern how credit information may be handled, and we review our practices as those laws and industry codes change.
We are open about the fact that we operate under regulatory oversight and that our conduct can be scrutinised. That is not something to hide from — it is part of what should give a customer confidence that a provider is accountable for how it behaves.
Deciding whether we are right for you
The best way to decide is to look at your own credit file with us and get a straight answer. If there is something we can help with, we will explain it. If there is not, we will say so. To understand the service in more detail, read our credit repair page, and for background on credit files generally, our guides are written in plain English.
If you are still weighing us up, you may also want to read genuine independent feedback on our reviews page, or check our credentials for yourself on our Is Credit Clean Australia legitimate? page.
When you are ready, you can book your credit file assessment for $39.95 and find out where you actually stand.
Frequently asked questions
Is Credit Clean Australia licensed?
Yes. We hold Australian Credit Licence 531718, which is required for debt-management and credit repair services and is overseen under the ASIC framework. We are also an AFCA member (81727) for independent complaint resolution.
How long have you been operating?
More than 20 years. We are the trading name of MGE (ACN 115 371 581), based at Robina on the Gold Coast, and you can reach us on 1300 739 860.
Do you guarantee that listings will be removed?
No, and we are cautious of anyone who does. Whether a listing can be challenged depends on the facts and on the response of the lender or credit reporting body. We tell you honestly, after assessing your file, what may and may not be possible.
What don’t you handle?
We do not deal with bankruptcy or Part 9 debt agreements. Our work covers defaults, court judgements, credit enquiries, repayment history information and serious credit infringements, where there are proper grounds to challenge them.