Credit repair means finding what’s wrong on your credit file and getting it fixed: defaults that shouldn’t be there, judgements recorded incorrectly, enquiries you never authorised, old debts listed twice. Done properly, it’s detailed work against specific rules in the Privacy Act and the Credit Reporting Code. Done badly, it’s an industry of empty promises. Here’s how we do it, and what you can honestly expect.
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
ASSESSMENT
EXPERIAN
GUIDANCE
Book Your Credit File Assessment
Book Your Credit File Assessment
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Open selected time in a new tabWhat You Get in Your Assessment
Next Steps
Next Steps After Your Assessment
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.
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.
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.
What’s actually on a credit file
Your file at each of the three credit reporting bodies — Equifax, Experian and illion — carries defaults (five years), court judgements (five years), credit enquiries (five years), serious credit infringements (seven years) and two years of repayment history on your accounts. Lenders read all of it. One wrong entry may reduce your borrowing options or result in higher borrowing costs.
What can and can’t be fixed
Can be challenged: listings that are inaccurate, out of date, duplicated, made against the wrong person, or made in breach of the listing rules — for defaults that means the $150 minimum, the 60-day overdue requirement and the written notices that must be sent first. Enquiries you didn’t authorise. Judgements that misstate the court record. Files affected by identity theft.
Can’t be fixed: accurate listings, lawfully made, for debts that are genuinely yours. They expire on schedule and nothing lawful removes them early. We tell you which category your file falls into at the assessment — we do not guarantee removals, and you should walk away from anyone who does.
How it works
1. Credit file assessment — $39.95
We obtain your credit file as an access seeker — so no enquiry is recorded on your file — and go through every listing with you, giving you a straight answer: what has grounds for challenge, what doesn’t, what we’d charge to act, and what your file will look like if we succeed. If there’s nothing worth pursuing, we say so.
2. Investigation and dispute
We put creditors and credit reporting bodies to proof through their formal dispute processes — the debt, the dates, the notices, the paperwork. Where the listing can’t be substantiated, the rules require it to be corrected or removed. Our default removal and judgement removal pages explain each listing type in detail.
3. Resolution
Removed listings disappear from lender view as soon as the bureau processes the change. We confirm the outcome against your updated file.
Why people choose us
- Straight answers first. The $39.95 assessment exists so you never pay full service fees on a file we can’t help.
- Specialists, not generalists. Credit reporting is all we work in — the listing rules, the dispute processes, the escalation paths — with 20+ years in the field and direct membership with all three credit reporting bodies.
- No lock-ins, no ongoing subscriptions. Assessment first, a clear quote, then the work.
Repair, then rebuild
Removing bad listings is half the job; keeping your score climbing is the other half. Our guides cover both — start with how to remove a default, how long defaults stay, and if property is the goal, getting a home loan with a default.
Find out where you stand
Every listing on your file, what can be challenged, and exactly what it would cost — for $39.95.
Book your credit file assessment
Frequently asked questions
Is credit repair legal in Australia?
Yes. Providing debt management services in Australia requires an Australian Credit Licence issued under ASIC’s oversight — ours is no. 531718, and we’re a member of the Australian Financial Complaints Authority (member 81727). The credit reporting system has formal correction and dispute processes precisely because listings are often wrong; using them properly, with evidence, is exactly what the law provides for.
Can I do this myself for free?
You can, and the bureaus must accept disputes directly from you. What we add is knowing the listing rules in detail, what creditors must be able to prove, which arguments succeed, and the persistence to escalate when a creditor fobs off a first request.
How much does credit repair cost?
The assessment is $39.95. If there’s work worth doing, we quote it before you commit — the price depends on what’s on your file, and you’ll know it upfront.
How long does it take?
Dispute responses are generally required within 30 days. Some straightforward disputes resolve within that timeframe, while more complex matters can take longer. You’ll get honest timeframes at the assessment, not a sales pitch.