Fix Bad Credit

Fix Bad Credit and Take Back Control of Your Financial Future

Your credit score affects more than just loan approvals, it can shape your entire financial future. If you’ve been declined for finance or burdened by high-interest rates due to a low credit score, Real Credit Repairers is here to help.

We specialise in removing harmful black marks, negotiating debts, and restoring your credit file so you can move forward with confidence. Backed by years of experience, real results and a no win, no fee promise, we make fixing bad credit simple, fast and stress-free.

What Is a Credit Report and Why Does It Matter?

A credit report is your financial fingerprint. It tracks how you manage money over time, including:

  • Bill and loan repayment history

  • Past credit enquiries

  • Defaults, bankruptcies or court judgements

  • Any overdue accounts or black mark

This information is used to calculate your credit score, a number that lenders rely on when deciding whether to approve your application. A lower score can make it harder to get approved for home loans, car finance or even a mobile phone plan.

That’s why regularly reviewing your credit report is essential. You can request a free copy of your report from Equifax, illion or Experian, Australia’s three main credit bureaus. Should you discover you have a low credit score, depending on the cause, we can support you to repair it quickly and efficiently.

How We Fix Bad Credit

With Real Credit Repairers, fixing your credit doesn’t have to be complicated or time-consuming. We manage the process from start to finish and keep you informed every step of the way. In many cases, clients see a significant improvement in as little as 30 days.

Here’s what we can help with:

  • Removing defaults: Whether it’s a missed loan payment or overdue account, we’ll work to have the listing removed or amended.

  • Clearing credit enquiries: Too many applications can harm your score. We’ll clean up outdated or excessive enquiries.

  • Overturning court judgements: We can challenge unfair court listings and negotiate to have them withdrawn or set aside.

  • Address identity theft: If fraud has damaged your credit file, we act quickly to restore it.

  • Negotiate debt totals: We’ll talk to your creditors to reduce what you owe or negotiate to settle your account for less.

  • Set up affordable repayment plans: We work with lenders to create repayment options you can manage, preventing further damage to your credit.

Remember, if we can’t improve your report, you won’t be charged. That’s our guarantee!

Fix your credit score fast - call 1300 277 355

What We Can’t Help With

While Real Credit Repairers can achieve outstanding results when it comes to fixing unfair or incorrect listings, there are a few things we can’t do.

  • We can’t remove accurate or legitimate entries from your credit report

  • We don’t offer personal budgeting or financial counselling

  • We’re not licensed to provide financial advice

That said, our long-standing relationships with creditors and credit bureaus mean we can simplify the credit repair process and take the stress off your shoulders. 

If you're struggling with managing your money or staying out of debt, we recommend speaking with a qualified financial advisor who can help you build long-term financial habits.

Simple Steps to Start Improving Your Credit Score Now

Want to boost your credit score fast and avoid problems in the future? Here are three smart tips you can start using today:

1. Pay Your Bills On Time

Missed payments, especially those over 60 days overdue, can result in black marks on your credit file. Aim to pay your bills and loans on time every month, even small repayments build a strong repayment history and demonstrate your reliability to future lenders.

2. Set Up Payment Arrangements

Falling behind? Don’t ignore the problem. Contact your lender or service provider and ask for a repayment arrangement. Many are willing to accept lower amounts if you communicate early. Even small regular payments can protect your credit file and prevent defaults.

3. Consider a Small Loan or Credit Card

Contrary to popular belief, a well-managed loan or credit card can improve your credit score. Start with a small credit product, ideally one designed for people with less-than-perfect credit and be sure to make repayments on time. This shows lenders that you’re capable of managing debt responsibly.

4. Use a Credit Repair Service

Sometimes, bills have a way of getting away from us, and if you are struggling to clear your debts, consulting with a credit repair company can help absolve this stress.

These companies work to resolve any negative marks on your credit history to get you back on your feet. And if you’re looking for a reliable and professional credit repair company, look no further than Real Credit Repairers.

Why Choose Real Credit Repairers?

We’ve built a reputation as one of Australia’s most trusted credit repair companies—and for good reason. When you work with us, you can expect:

  • Transparent pricing: No hidden fees, just honest, upfront communication.

  • Results based billing: With just a small non-refundable upfront fee, you only pay the removal fee if we’re successful 

  • Fast turnaround: Most clients see improvements in 30 to 45 days

  • Expert support: Our experienced team handles everything on your behalf

  • Proven results: We’ve saved clients millions and helped them secure finance that once felt out of reach

Our clients trust us because we stand by our promise and if we can’t fix it by the agreed deadline, you won’t pay a cent. We adhere to the best credit repair practices and as our testimonials show, have helped hundreds of customers get the financial freedom they deserve.

Fix your bad credit rating - contact us today

When you’re ready to repair bad credit fast, look no further than the team behind Real Credit Repairers. Our company has helped hundreds of Australians get back on track with their finances. We deliver the knowledge, experience, and wisdom you need to achieve your credit goals. 

Take the first step towards a blemish-free credit score by contacting Real Credit Repairers today.  Or if you’d rather start with a free credit report and consult first, simply click the button below and get connected with a pro.

FAQs about fixing bad credit

  • Credit scores are calculated by agencies like Equifax, illion and Experian. Each has its own scale, but generally speaking, a score below 500 is considered poor. For example, Equifax scores range from 0 to 1200, with anything between 0 and 509 falling into the "below average" category. The lower your score, the harder it can be to get finance approved.

  • That depends on the type of listing. Most negative entries remain for:

    • 2 years for repayment history

    • 5 years for defaults, court judgements and credit enquiries

    • 7 years for serious credit infringements

    • 5 Credit inquiries 

    Our team works to remove or resolve these listings sooner wherever possible, depending on the situation.

  • We offer a range of tailored solutions to meet your individual credit needs. Whether you're recovering from a missed repayment or dealing with the fallout from a court judgement, we’ve got a service to support you:

    Each service is designed to help remove financial roadblocks and create a pathway to better credit and financial stability.

  • Every case is different, but many of our clients see results in as little as 30 to 45 days. Our experience, industry contacts and proven processes allow us to act fast and effectively, often much faster than trying to handle things on your own.

  • Nobody can guarantee results, but with almost 11 years of experience we have one of the highest success rates in the industry. Our high removal success allows us to provide confidence with our winning credit repair formula and no win, no fee policy. If we’re not successful, you won’t be charged.

  • If they’re inaccurate, outdated or unfair, yes. We’ll review your file and take steps to negotiate their removal.

  • Yes. If your credit file has been affected by fraud or identity misuse, we’ll act fast to correct the damage and remove affected listings.

  • Yes, while it’s often more difficult in these circumstances, it’s not always impossible. We can help improve your credit score and remove defaults, putting you in a better position to get approved.

We’ve helped thousands of people achieve their dreams.
Read the reviews from just a few of them.

Melvin and Grace put in a lot of effort (and passion) into my case to achieve my default removal and other historic negative factors being removed. My credit score has gone from below average to excellent. It took longer than expected to achieve this but my trust was well founded. Thanks to the entire team at Real Credit Repairers for giving me control of my future back again after a brutal divorce settlement.

- John Allan