FAQs

Credit repair in Australia involves reviewing your credit report to identify any inaccuracies, outdated information, or disputable entries that could be impacting your financial standing negatively. Our team works within Australian credit laws to communicate with credit reporting bodies and creditors to correct these discrepancies on your behalf.

You can request your credit report directly from the websites of the three major credit reporting bureaus in Australia: Experian, Equifax, and illion. However, it may take 3-5 business days for you to receive it. Our team can generate a credit report for you for only $20 within 10-15 minutes.

Inaccuracies that can affect your credit file include:

• Incorrect personal details
• Outdated information
• Duplicated entries
• Wrongly listed defaults or enquiries
• Late payment history
• Court judgements
• Instances of fraud or identity theft

In Australia, most negative entries, such as late payments or defaults, remain on your credit report for five years. Bankruptcies can stay for up to seven years, and court judgments for five years. Credit enquiries for five years. Late payment history for two years.

The credit repair process usually takes 30 to 90 days, depending on the complexity of your situation and the type of listings we are disputing. Challenging cases may take up to 180 days to achieve results. 

While some listings can be removed quickly, others may take longer. Rest assured, however, that our goal here at Australian Credit Savers is to resolve your bad credit issues in the shortest possible time without compromising quality.

Yes, you can fix your credit file on your own. But before doing so, you have to consider how much time you can allot for phone calls, email correspondence, gathering evidence, and back-and forths with credit companies. You should also factor in how long you are actually willing to wait to fix your credit file.  The credit repair process could take weeks and sometimes up to months.

Credit repair experts like Australian Credit Savers help you streamline this process. We will happily take the load off your shoulders and handle everything for you, from obtaining your credit report, filing official disputes, and negotiating with credit companies.

Our dedication to providing personalised, transparent, and ethical services sets us apart. We deeply understand the Australian credit system and work tirelessly to advocate for our clients’ rights and financial well-being. 

We will do everything we can to remove or correct any inaccuracies or disputable entries on your credit report. However, accurate and verifiable negative information cannot be removed and will naturally expire over time.

Investing in credit repair services can be beneficial if inaccuracies on your credit report are affecting your ability to secure loans or obtain credit under favorable terms. Aside from lessening the stress of dealing with repairing your own credit, you can also save time and make room for other priorities. Our first consultation gives us the chance to outline the benefits relevant to your circumstances.

We adhere strictly to the Australian Privacy Principles (APPs) and ensure that all client information is handled with the utmost confidentiality and security throughout the credit repair process. You can check our Complaint Handling Policy and Privacy Policy for full details. 

Getting started is easy. Simply contact us via our website or phone to schedule your initial consultation. We’ll discuss your credit situation and outline how we can assist you in navigating your credit repair journey.
1800 844 185
03 7074 8830
contact@australiancreditsavers.com.au