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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

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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You Don’t Need a Loan. You Need a Clean File.


We speak to thousands of Australians every year who think they need a loan to fix their finances.  But here’s the truth: If your credit report is messy, another loan won’t save you — it will sink you.   The Real Problem Isn’t Lack of Finance. It’s what’s hiding in...
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What Happens If You Just Ignore Your Bad Credit?


Bad credit is like a splinter — the longer you leave it, the more painful and problematic it becomes. Many Australians avoid dealing with their credit reports because it feels overwhelming, shameful, or just not urgent. But ignoring your bad credit doesn’t make it go away — it makes your...
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Can You ‘Fix’ Your Credit Yourself? 


If you're feeling weighed down by a poor credit score, you're not alone. Whether it’s a declined loan, a frustrating interest rate, or the stress of past financial missteps catching up with you, many Aussies wonder the same thing: “Can I fix my credit on my own?”  The short answer?...
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Would You Rather: $10K in Savings or a 700 Credit Score?


It’s a classic personal finance dilemma: would you rather have $10,000 in your savings account or a 700 credit score? At first glance, most people instinctively go for the cash. After all, $10,000 is tangible. You can touch it, move it, spend it. But let’s unpack what a 700 credit...
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Thinking About Finance Before Christmas? Start in July.


As the end of the financial year fades into the rear-view mirror, it’s easy to fall into the "I'll deal with it later" mindset. But if you're hoping for a stress-free Christmas—one where the fridge is full, the gifts are paid for in cash, and your credit score is moving...
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Debt Regret Is Real — But It Doesn’t Have to Last


Have you ever lain awake at night, staring at the ceiling, thinking: "Why did I take out that loan?" "I should’ve paid it off sooner." "If only I hadn’t used that credit card again..." You’re not alone.  Debt regret is a real emotional burden that weighs heavily on thousands of...
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No, Bankruptcy Isn’t the Only Option


Facing serious debt doesn’t mean your only option is bankruptcy. If you’re overwhelmed by defaults, collections, or loan rejections, it can feel like there’s no way out — but bankruptcy is not your only path. At Credit Repair Australia, we’ve helped thousands of Australians clean up their credit reports, negotiate...
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What Is a Good Credit Score? 


Understand What Makes a Credit Score “Good” and Why It Matters  When it comes to applying for a loan, buying a car, or even getting approved for a rental property, your credit score can either open doors—or slam them shut. But what exactly is a good credit score in Australia?...
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Can You Really ‘Clear’ a Default?


If you’ve ever checked your credit report and been shocked to see a default listed, you’re not alone. Whether it’s from a missed phone bill, a forgotten loan payment, or a dispute that got out of hand, defaults can feel like a heavy stain on your financial reputation. But what...
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Single Parent, Stressed Out, and Declined? You’re Not Alone


Being a single parent is one of the toughest jobs in the world. You’re raising a family, managing bills, making every dollar stretch—and still trying to build a future. Single parent, stressed out, and declined? You’re not alone. When your hard work meets a harsh reality—like being turned down for...
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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.