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! Important Notice before we start

 

The first step is to see if our services
are right for you:

  • You're an Australian resident
  • You're between 18-65 years old
  • You or your partner have a regular income
  • You may need to borrow money or take control of your debt
  • You may have been declined for a loan or have trouble paying your debt

And you understand that...

  • We'll work with you fully understand your financial situation
  • We will help you understand your credit report and the areas for improvement
  • You may yourself without charge obtain a copy of your credit record and challenge any entry on your credit report
  • If you're applying for credit restoration improvement, we cannot guarantee that all adverse credit notations are removed from your credit report
  • We can only use our best endeavours to ensure that your credit record is true and correct
  • We will not provide you with any Insolvency services unless and until we've advised you that you may obtain help, free of charge, with credit and debt related problems from community based financial counsellors.

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Posts in

What Happens When You Apply for Too Many Loans at Once? 


If you’ve been declined for finance and your first reaction is to “try somewhere else”—you’re not alone. But here’s the catch… Every time you apply for credit, a “hard inquiry” is recorded on your credit report. Do it once? No problem. Do it five times in one week? 🚨 You’ve...
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Want a Home Loan? Here’s What to Do Now 


Applying for a home loan isn’t just about how much you earn — it’s about how healthy your credit profile is. You might be earning good money, paying rent on time, and feeling ready to make the jump into home ownership… But if your credit score is low, if you’ve...
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How to Turn Financial Stress Into a Fresh Start 


Financial stress can feel heavy — like there’s no way out. The late payment reminders, loan declines, calls from creditors… it’s not just numbers on a screen; it’s sleepless nights, strained relationships, and the constant fear of being judged or rejected.  But here’s the truth most people don’t realise:  Financial...
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Credit Problems Don’t Fix Themselves — But We Can Help 


When it comes to your credit score, there’s one harsh truth most people don’t realise until it’s too late:  Credit problems don’t magically disappear. They don’t heal with time. They don’t “drop off” quickly. And they definitely don’t fix themselves.  Late payments, defaults, excessive inquiries, debt collections — all of...
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3 Things Lenders Check BEFORE Approving Your Loan 


If you’re thinking about applying for finance — whether it’s a car loan, personal loan, or home loan — there’s one thing you need to understand: Lenders don’t just look at your income. They look deep into your financial behaviour — long before you hit “Apply”. And if you fail...
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Your Credit Future Starts With the Steps You Take Today 


Most people don’t worry about their credit score — until it stops them from getting what they want.  A home loan gets declined. A car finance application comes back with “Unfortunately, we can’t proceed.” A simple credit card increase gets knocked back. Suddenly, your past financial mistakes — late payments,...
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The Fastest Way to Remove a Credit Report Error (Without the Headache) 


If you’ve spotted an error on your credit report — whether it’s an old default you’ve already paid, a debt that was never yours, or a repayment marked late when you know it wasn’t — you’re probably thinking:  “How do I get this removed… fast?” Good news: credit report errors...
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Why a Good Income Isn’t Enough for Loan Approval 


You’re earning good money. You can comfortably afford the loan repayments — maybe even better than most people you know.  So why did the bank still say no? It’s one of the most frustrating experiences Australians face when applying for finance. Whether it’s for a car, home, personal loan, or...
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Spring Clean Your Credit: Why October Is the Perfect Time to Start Fresh 


As the weather warms up and Australians tackle their household spring cleaning, there’s one area most people overlook — their credit report. October isn't just about decluttering cupboards and washing windows. It’s the perfect time to scrub down your finances, clear out old credit issues, and set yourself up for...
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Spring Is Here — Time to Clean Up Your Finances Too 


As the days get longer and the air feels fresher, many of us turn to spring cleaning — clearing out closets, washing windows, and tackling those projects we’ve put off all winter. But have you ever thought about giving your finances the same treatment? Just like a cluttered house, a...
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Credit Repair Australia Pty Ltd is licensed with ASIC under the National Consumer Credit Protection Act 2009, Australian Credit Licence (ACL) Number 392319.

DR Administration is a Registered Debt Agreement Administrator, Registration Number 1146 with AFSA

*Past outcomes that others have experienced as a result of engaging us is not necessarily indicative of future results (as each case is different). Loan approval subject to lender's credit criteria.