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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

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  • 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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3 Habits to Avoid Falling Back Into Bad Credit 


Building your credit back up is a big achievement — but the real challenge is making sure you don’t slide back into old habits that could undo all your hard work. Staying consistent with good financial behaviours will help you protect your credit score, keep your finances on track, and...
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Buying a car is exciting — being declined for finance isn’t 


There’s nothing quite like the thrill of buying a new car. The smell of the fresh interior, the feeling of driving it off the lot, and the freedom it brings. But that excitement can quickly turn into disappointment if your finance application is declined.  Unfortunately, this happens to more Australians...
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Do Unpaid Defaults Disappear After 5 Years? 


When it comes to credit reports, one of the most common questions people ask is: “Do unpaid defaults just disappear after 5 years?” The short answer is yes and no — here’s why. What Happens After 5 Years?  In Australia, a default (whether it’s paid or unpaid) is generally listed...
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If You Could Go Back, What’s One Financial Decision You’d Change?


We all have those “if only I knew then what I know now” moments—especially when it comes to money. For some, it’s a missed investment opportunity. For others, it’s the debt that spiraled out of control, or the lifestyle spending that ate into savings. Looking back can sting, but it...
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Myth: Paying a Default Automatically Improves Your Credit Score 


When it comes to credit repair, one of the most common misconceptions we hear is: “If I just pay off my default, my credit score will instantly improve.” Unfortunately, this isn’t how the system works — and believing this myth can leave people frustrated and confused when their score doesn’t...
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The Credit Repair Checklist: 5 Steps to Take Before Applying for Finance 


Applying for finance can be one of the most exciting – and stressful – moments in life. Whether you’re aiming for a home loan, car finance, or a personal loan, lenders will look closely at your credit report to decide if you’re a safe bet.  The truth? Even small issues...
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The Right (and Wrong) Way to Pay Off Old Debts 


When you’re dealing with old debts, it can feel like you’re carrying a heavy weight on your shoulders. The temptation is to pay them off quickly and put it behind you — but rushing in without a plan can actually make things worse. Let’s break down the right way and...
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Top 5 Mistakes Hurting Your Credit Without You Realising


Your credit score is like a financial report card. It tells lenders whether you’re reliable with money — and it can be the difference between getting approved for finance at a great rate, or being declined altogether.  The problem is, many people damage their credit without even realising it. Here...
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What Lenders Really Look at Besides Your Credit Score


When it comes to applying for a loan or finance, most people believe the decision rests entirely on their credit score. While your score is important, lenders actually look at a much broader picture. Understanding these factors can help you prepare, strengthen your application, and improve your chances of approval. ...
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Being in Debt Doesn’t Mean You’re Bad With Money 


Let’s get one thing straight: being in debt does not make you irresponsible, reckless, or financially hopeless. At Credit Repair Australia, we’ve worked with thousands of everyday Australians — teachers, tradespeople, business owners, single parents — and here’s what we know for sure: most people don’t end up in debt...
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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.

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*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.