Possible error
A debt you do not recognise, a duplicated listing or an incorrect amount is a reason to ask for an investigation. The evidence and reporting rules determine the result.
Services · A CLEARER STARTING POINT
Credit Repair
Understand a credit-report entry, gather the evidence and explore your correction options, including free pathways.
Explore the information first. Our team can help you understand the next step.
THE ESSENTIALS
Your finance essentials.
Start by understanding your report and any entries you are concerned about. Our team can discuss a review and appropriate next steps. No removal of entries, score increase or finance approval is guaranteed.
UNDERSTAND YOUR REPORT FIRSTA clearer report.
A clearer report.
A considered next step.
Start by understanding the entry and your options. You can ask for errors to be corrected yourself for free.
Understand the entry
Start with the entry you are concerned about and why you believe it is wrong. Check whose report it appears on and gather relevant correspondence.
Know your free options
You can request corrections directly from the credit provider or credit reporting body for free. Eligible unresolved complaints can go to AFCA for free, independent dispute resolution.
Confirm any paid service
Before engaging anyone, check their credit licence or authorisation, who will do the work, the scope, fees, cancellation terms and how you will receive updates.
Review the response
A review may identify an error, or confirm that information is accurate. Accurate negative entries cannot simply be removed; no score increase or finance approval is promised.
What might an investigation look at?
Accurate negative information
An entry being paid or inconvenient does not by itself mean it can be removed. Understand the entry and your available options before paying for assistance.
Your free starting points
Contact the credit provider or credit reporting body about an error. For an eligible unresolved complaint, AFCA offers free, independent dispute resolution. If debt repayments are becoming difficult, free financial counselling is another support option.
GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
What to have ready for a report review
- The relevant credit report and the entry you are questioning.
- Your explanation of what may be wrong, plus statements, notices or correspondence that support it.
- A list of any correction requests already made and responses received.
Keep identity and credit-report documents out of a general chat. Confirm the secure process and who will receive them first.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
Can every default or negative entry be removed?
No. Accurate negative information cannot simply be removed. A review can help identify possible errors; removal, a higher score and finance approval are not guaranteed.
Can I correct an error without paying a credit repair company?
Yes. You can contact the credit provider or credit reporting body directly to request a correction for free. AFCA also offers free, independent dispute resolution for eligible complaints.
What should I prepare before asking for help?
Identify the entry you believe is wrong and gather relevant correspondence. Ask about the service scope, fees and free alternatives before deciding to proceed.
How much does this service cost?
Ask the team to explain the service scope and any fees before agreeing to proceed. An enquiry does not commit you to a paid service.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Learn about your options at ASIC Moneysmart.
Still wondering about something?
Ask about the service scope and next steps before deciding to proceed.
Talk with our team →