Credit repair is the process of identifying, challenging, and resolving errors or negative items on a person’s credit report to improve their creditworthiness. Services typically include reviewing credit reports, contacting credit reporting agencies and creditors, disputing inaccuracies, and providing guidance on improving credit scores. 

Credit repair helps individuals better manage their financial profile, correct inaccurate or outdated information, and work toward achieving their financial goals, such as obtaining loans, credit cards, or better interest rates. 

In Australia, credit reports are managed by agencies such as Equifax, Experian, and Illion. Our team conducts a thorough audit of your credit file and works directly with creditors and reporting agencies to correct errors and dispute listings that may breach the Privacy Act 1988 or the Credit Reporting Code of Conduct. 

Yes, you can try, but it’s usually complicated, time-consuming, and frustrating. That’s why most people come to us—we know how to deal with creditors and credit agencies, saving you months of effort and improving your chances of success. 

Credit defaults can sometimes be removed from your credit report if they are: 

1. Incorrect or Inaccurate – If the default was reported in error, such as a wrong amount, a debt that isn’t yours, or a payment that was made on time, you can dispute it with the credit reporting agency. 

2. Outdated – In Australia, most defaults remain on your credit report for five years from the date they were recorded. After this period, they should automatically be removed. 

3. Not Compliant with Regulations – Defaults that breach the Privacy Act 1988 or the Credit Reporting Code of Conduct can sometimes be challenged and removed. 

Credit repair companies or professionals can help by reviewing your report, identifying errors or non-compliant entries, and contacting credit reporting agencies or creditors on your behalf to have them corrected or removed. 

1. Expertise in Credit Laws and Processes – Credit repair companies understand the rules around credit reporting and can help identify errors or violations that may be harming your credit. 

2. Save Time and Reduce Stress – Disputing errors and negotiating with creditors can be time-consuming and stressful. A credit repair company handles these tasks on your behalf. 

3. Identify Errors and Inaccuracies – They can spot mistakes on your credit report, such as incorrect late payments, outdated accounts, or duplicated debts, which you might miss on your own. 

4. Improve Credit Score Strategically – By resolving issues and providing guidance, a credit repair company can help you build a stronger credit profile, potentially improving your ability to secure loans, credit cards, or better interest rates. 

5. Professional Communication with Creditors – They have experience communicating effectively with credit reporting agencies and creditors, which can increase the likelihood of successful dispute resolution. 

6. Ongoing Support and Guidance – Many credit repair companies offer advice on managing debt, budgeting, and maintaining good credit habits for long-term financial health. 

In Australia, you are legally entitled to access your credit report for free.

‍Your credit report is held by independent credit reporting bodies and shows information such as credit accounts, repayment history, defaults, and enquiries made by lenders.

Before you start: All providers require 100 points of identification prior to being able to submit the credit report request. The easiest way to achieve this is via a Driver’s License and Passport. Make sure you have digital images of these documents available before you start. If you don’t have a Passport you are going to have to use a combination of secondary documents such as birth certificate, medicare card, utility bills and bank statements to try and get to 100 points, make sure digital copies of these documents are available.

‍Most Australians have a credit file with one or more of the following providers:

Equifax

1. https://www.equifax.com.au/personal/products/credit-and-identity-products

2. Select ‘Get my Free Equifax Credit Report’

3. Select ‘Get Free Report’

4. Answer 3 questions then Continue

5. Create account – enter an email  address and password – Verify Email and check your email and enter the code sent by Equifax

6. Sign In with your email address and password

7. Enter your personal information, address and employment and provide at least 2 primary identification documents, preferably a Driver’s License and Passport

8. Upload primary and any secondary identification documents and Submit

9. Your report may take up to 5 days, but effectively should be much quicker

Experian

1. Sign In  or register  https://consumer-services.experian.com.au/registration.html

2. Enter your Email address and then the one-time pin emailed to you

3. Call 1300 783 684 if you have any registration issues

4. Enter your personal information and provide at least 1 primary identification documents (preferably both a Driver’s License and Passport) and at least 1 secondary document and click Submit

5. Your report may take up to 5 days, but effectively should be much quicker

Illion Is now a part of Experion

Review your information carefully
Check for:

1. Incorrect balances or dates

2. Accounts you don’t recognise

3. Defaults that may be inaccurate, outdated, or disputed

Need help understanding your report?

Credit reports can be confusing. If you’re unsure what something means or believe information may be incorrect, you can seek independent assistance to help you understand your rights and options.