Credit repair is the process of reviewing your credit file to identify and challenge incorrect, unfair, or outdated listings that may be negatively impacting your score. This can include default removal, repayment history removal, and correcting personal information.

If you’ve been declined for a loan, have a low credit score, or notice negative listings like defaults or missed payments on your report, it’s a good idea to speak with a credit repair expert. Our team offers a free credit assessment to help you identify what’s holding your score back.

A default is listed when a payment of $150 or more is overdue for 60 days or longer. Default removal may be possible if the credit provider didn’t follow the correct process or if the debt is inaccurate or disputable. Our experts specialise in investigating and removing unfair default listings.

Yes, if the repayment history is incorrect or listed without proper notice, we may be able to remove it. Repayment history removal is one of the key services we offer as part of our credit repair Australia solutions.

The process typically takes 30 to 90 days, but more complex cases may take up to 180 days. We keep you updated throughout and work hard to achieve the best results as quickly as possible. We usually try to remove the listings within 30 days however, if the creditor is not cooperative or responsive, nothing to worry about as we can escalate the case to external dispute resolution organizations

No one can guarantee a specific score, as credit scores are influenced by many factors. However, removing incorrect or negative listings through Australian credit repair can significantly improve your score over time.

Yes! At Credit Report Experts Australia, we operate on a No Win, No Fee basis. We only take cases that we can work on. You won’t pay for the negative listings that we can’t remove.

Too many credit enquiries can hurt your score. We can assess whether any of these are unauthorised or disputable and work to have them removed as part of your credit Australia repair plan.

Absolutely. Our licensed specialists help fix credit scores, remove negative listings, and rebuild your credit profile. If you're thinking, "I need to fix my credit," we’re here to guide you every step of the way.

Getting started is easy. Simply book your free, no-obligation credit assessment and we’ll review your credit report, explain what’s hurting your score, and outline how we can help.