Credit Repair Services

A default is listed on your credit file when a bill or payment is made late. These can occur on various debts, including missed energy bills or delayed credit card repayments. In a worst-case scenario, defaults can reduce your credit score below the approval threshold of lenders.

With a quick phone call, the Real Credit Repairers will act to identify, evaluate, and remove the defaults on your accounts. Our credit repairers can quickly identify grounds on which to have defaults removed and will contest them with creditors on your behalf.

Anytime you apply for a credit product, whether approved or not, a record of the enquiry appears on your credit file. This can sound alarm bells for lenders who may conclude you’re looking to borrow more than you can afford. Hard credit enquiries can reduce your credit score by up to ten points.

Small payday lender applications particularly have a significant effect on your report. Lenders may be less willing to approve your application or may only offer loans with unreasonably high-interest rates. Even if you choose not to accept the loan and look elsewhere for financing, the enquiry can remain on your report for years.

Thankfully, credit enquiries don’t have to last forever. The Real Credit Repairers have exhaustive experience working with creditors all over Australia to remove or resolve enquiries. Our credit repairers can help remove these enquiries from your credit file, making your application look more appealing to lenders.

A court judgement is a decision made by the court to signify you owe a creditor money. The judgement expects that you pay your lender within a specified time or face additional ramifications in the future. Even once you repay that debt, the court judgement stays on your credit file for years.

Real Credit Repairers can often negotiate with creditors on your behalf and get the court judgement set aside and removed from your file. This allows you to move forward confidently and start fresh with a clean credit report — without the burden of a costly court order.

Many things may constitute a ‘black mark’ on your credit file. It could be as innocent as a small payday lender enquiry or a ‘pay in 4’ provider.

At Real Credit Repairers, removing black marks is our bread and butter. Our credit repairers have proven successful in removing these from credit files. If you need it gone, we can make it happen!

Some negative listings on your credit file may not even be from you! Identity theft or human error may have led to a mark against your name that had nothing to do with you.

Identity theft can be tricky to resolve alone. But with Real Credit Repairers by your side, this Herculean task is nothing less than a minor inconvenience. Our credit repairers can clean these from your file by working with creditors.

Sometimes referred to as debt settlements, debt negotiations can be used to reduce your outstanding liabilities and alleviate financial burdens without damaging your credit score. Skilled negotiators at Real Credit Repairers can reduce your debts by a significant margin and work directly with your lenders for a stress-free experience.

Real Credit Repairers has helped hundreds of clients achieve simple debt settlements designed to resolve the past and make room for the future. Our team has had great success in negotiating with lenders on your behalf. Let us help you regain control of your finances by negotiating a debt reduction or settlement.

It all starts with a simple phone call. Get on the phone and tell us a bit about what’s happened. We're real people who keep things simple!

We also provide free credit reports and consultations that give us a better idea of what you need and where you’re at. We'll go through your credit report with you and create a plan to improve it. And by the way, these are custom tailored to the needs of the individual. No cookie-cutter approaches here!

We’ll call the companies that have put black marks against your name and investigate on your behalf.

Having dealt with these companies for many years, we have fantastic relationships with their teams and thorough knowledge of their processes.

We know all the ways to get black marks removed. We quickly identify grounds on which to fight defaults, court orders and negative marks.

And with so many years of experience, we can get it done faster than any of our competitors. Remember, no win, no fee!

We'll have negative marks such as defaults removed and show the confirmation of success.

Best of all - unlike other companies, you'll only pay for the cases we solve, and only once we have 100% confirmation that they’re removed from your record.