Credit repair across Australia

Real Credit Repairers operates throughout Australia, offering a service that examines your credit file and disputes any negative listings that can be contested. We operate on a no-win, no-fee basis, providing peace of mind to those who have faced credit rejections or have blemishes on their credit reports that hinder their financial goals. We believe that your past financial missteps should not hinder the future you're striving to achieve.

If you're ready, request a free credit report review, and we'll tell you where you stand.

Book your free credit report review
1800 953 563

500+ reviews

from clients right across Australia

No Win No Success Fee

you only pay once a listing is removed

What credit repair in Australia involves and who it helps

We help improve your credit score by identifying and addressing the issues pulling it down. Our team thoroughly examines your credit reports from Equifax, Experian, and illion to spot any negative entries like defaults, court judgments, unwanted credit inquiries, late payments, black marks, or damage from identity theft. 

If we find anything that can be contested, we directly dispute it with the relevant credit provider or reporting agency. If a lender has turned you down due to your credit history, that's exactly the type of problem we handle regularly.

No win no success fee credit repair and what it costs

You only pay a fee when a listing is successfully removed from your credit file. We charge a $99 non-refundable administrative fee when we take on your case, ensuring you face no risk regarding the removal itself. While we strive for the best results, we cannot guarantee removals as outcomes depend on factors beyond our control.

Our pricing is transparent. Removing a first default or serious credit infringement costs $1,195, including GST, with any additional removals priced at $695 each, also including GST. For court default judgments, summons, or writs, the fee is $1,495, including GST. If you need to fix repayment history, there's a $99 admin fee upfront, followed by a $990 success fee per account once resolved. We provide you with all cost details upfront, confirming the total expenses based on your unique situation before any work begins.

Admin fee

$99

Non-refundable, on accepting your case

First default

$1,195

Additional removals $695 each, inc GST

Court judgment

$1,495

Court default judgments, summons or writs, inc GST

Repayment history

$990

Plus $99 admin upfront; per account success fee once resolved

How Real Credit Repairers works, step by step

Step 1

Getting started is just a conversation. First, you talk to a credit repair specialist who reviews your credit report with you and builds a strategy around your situation. They can also set up a payment plan to repay debt over time if that helps. From there, we investigate with the credit reporting agencies and the companies that placed the marks to see how each listing was recorded.

Step 2

Then we dispute and challenge the defaults and court orders on your file, along with any other negative information holding you back, wherever there are grounds. When a challenge succeeds, the listing is removed, and we send you written confirmation, and you only pay once there is 100% confirmation that the mark is gone.

Step 3

Most clients notice improvement within 30 days, and our goal is to resolve cases in under six weeks. The actual period will vary depending on how soon the credit providers and reporting agencies act. Request your free credit report review, and we'll map the steps for your case.

Credit repair services we provide

For every issue weighing down your credit file, we offer specialised services to address it.

We aim to help you achieve your financial objectives. If you're applying for a loan,  credit repair for loan approval can improve your credit profile, making the approval process smoother. For those looking to buy a home, using credit repair for home buying can greatly enhance your mortgage application. Similarly, if purchasing a vehicle is your goal, credit repair for a car loan will ease the car financing process.

Why clients choose Real Credit Repairers

We've received over 500 reviews, many of them five stars, from clients all over Australia. This success stems from our years of dedicated work and the strong relationships our experienced team has established with major creditors and credit reporting bodies. Unlike other credit repair companies in Australia, we focus on clear communication and straightforward credit restoration, avoiding confusing jargon.

Our name, "Real," reflects our honest approach. We tell you upfront whether we can assist and what the costs might be, and we're clear about what we can't guarantee. With our "no win, no fee" model, the risk of removal rests with us, giving you the power to regain control of your credit situation.

Free credit report review

Begin with a no-commitment phone call. We'll review your credit reports and score to see if we can assist you, along with an estimate of potential costs if we do. There's absolutely no charge or obligation to proceed. If you haven't obtained your credit file yet, you can order a free credit report from Equifax and Experian. Additionally, we offer a quick file retrieval service from the credit agencies for a small fee.

Start your credit repair today

Start by booking your complimentary credit report review with us, or simply give us a call. It doesn’t matter if you choose to request a free credit report review online or would prefer to chat with one of our consultants by phone: we promise clear communication without any stress. You’ll only be charged for removals that successfully enhance your credit situation.

Frequently asked questions about credit repair in Australia

  • Our fees are fixed and disclosed at the start. The cost for a first-time default removal is $1,195 plus GST, while a court order costs $1,495 plus GST. There is also a one-off administration fee of $99, non-refundable upon accepting your case. The success fee is payable only if the listing is removed. We confirm the full cost for your situation during your credit report review.

  • It is worthwhile if there is any legitimate basis for disputing the listing. If the reason behind the listing is an error in your file, then it is possible to correct this yourself free of charge by contacting the credit reporting agency directly, such as by lodging with Equifax corrections. If you are disputing listings or negotiating debts, that's where an experienced team adds real value.

  • Clients normally start seeing results after 30 days, and our objective is to get cases sorted out within six weeks or even less. This may depend upon the listing and response time of the parties involved, so there are no set dates.

  • A default may be questioned and reversed if there are reasons for doing so, such as a wrong listing or one that is not done correctly. Removals are not always possible, and defaults could remain valid. Read more on our default removal page.

  • Clearing negative listings gives your application a cleaner file, which is important when you are seeking a loan after rejection. Every bank and lender has its own rules, so a clean file will help, but it does not necessarily mean guaranteed acceptance. See our pages on credit repair for home buying and credit repair for a car loan.

  • We offer an identity theft credit repair service specifically for this purpose. Unauthorised fraudulent listing(s) can be disputed and then deleted from your file. Should you suspect identity theft has affected your credit, feel free to get in touch, and we will review it for you.

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