About Credit Score

What Is a Credit Score?

A credit score is a number that represents your creditworthiness. In Australia, credit scores generally range from 0 to 1,200, depending on the credit reporting agency. The higher your score, the more likely you are to be approved for credit with favourable terms. Your score is calculated based on:
  • Your repayment history
  • Outstanding debts
  • The number of credit enquiries
  • Defaults or overdue accounts
  • Length of credit history
  • Types of credit used

Understanding Your Credit Score and How to Improve It

Your credit score plays a crucial role in your financial life. Whether you’re applying for a home loan, car finance, or even a mobile phone plan, lenders will often check your score to determine how trustworthy you are as a borrower. If your credit score is lower than expected, don’t worry—there are effective ways to improve it, especially with the help of professional credit repair services.
Call 02 9055 9539
Talk to a credit report expert

Why Does Your Credit Score Matter?

A strong credit score can help you:
  • Get approved for loans and credit cards
  • Qualify for lower interest rates
  • Increase your borrowing capacity
  • Avoid security deposits for utilities or rentals
On the other hand, a poor credit score can lead to loan rejections, higher fees, and fewer financial opportunities. That’s why so many Australians are turning to credit repair services to help them fix their credit history and improve their financial standing.

Common Credit Issues That Lower Your Score

Some of the most common issues that damage credit scores in Australia include:

Defaults

These occur when you miss payments for 60+ days and owe over $150. Default removal is often possible if the listing was incorrect
or issued without proper notice.

Repayment history issues

Frequent late or missed payments can lead to a low score. We specialise in repayment history removal where the
listing is inaccurate or disputable.

Multiple credit enquiries

Too manya applications in a short period can signal financial instability.

Incorrect or outdated information:

Errors on your credit report can unfairly lower your score.

How Credit Report Experts Australia Can Help

At Credit Report Experts Australia, we specialise in helping people just like you fix credit scores and restore financial confidence. Our services include:
  • Free, no-obligation credit assessments
  • Default removal and listing disputes
  • Repayment history removal for inaccurate or unfair entries
  • Fixing your credit history with Australian credit reporting bodies
  • Support with credit Australia repair to challenge incorrect listings
  • Personalised strategies to repair credit based on your unique situation

We work with all major credit bureaus, including Equifax, Experian, and illion, and we operate on a No Win, No Fee basis.

Why Choose Us?

We’re committed to providing ethical, legal, and effective solutions. Whether you’re searching for help to fix my credit, exploring bad credit repair, or need guidance on how to fix your credit score, we’re here to support you every step of the way.

Start Your Credit Repair Journey Today

If you're struggling with too many credit enquiries or believe your credit file contains errors, don't wait. We offer a free credit assessment to help you understand what's hurting your score and how to fix it.

Call 1800 319 772
Talk to a credit report expert