Has your loan application been refused or unfairly conditioned because?

  • Unpaid Overdue Payment Listing on your Credit File
  • Paid Overdue Payment Listing on your Credit File
  • Court Judgement on your Credit File (Outstanding or Paid)
  • Pending Court Action – Summons, Statement of Claim on your Credit File
  • Clear-out Listing on your Credit File
  • Fraudulent Identity Theft on your Credit File
  • Low Credit Score (even though you have a clean record)
  • Bankruptcies and Debt Agreements listed on your Credit File
  • Other anomalies on your Credit File

There is a very good chance we can assist you!

Benefits To Our Clients

We Fix Credit has helped thousands of Australians get their financial freedom back on track.


I was referred to We Fix Credit from a good friend. Alicia and her team successfully removed the credit default and saved me over $40,000 in the process. I am very happy with this result and would recommend We Fix Credit to anyone in a similar situation. Thank you ????
Ahmad Smadi, via Google Review
Words cannot describe how grateful I am to Alicia and the team. Thank you! I can now get on with my loan. Debt was wiped and the two defaults REMOVED! Thank you ????
Thanks to the professional team I am able to release my company car fleet.
Five stars from me. Would not hesitate to recommend to anyone with credit listings
Mahmud Khan, via Google Review
Extraordinary service. Fixed my problem in less than half the time that was initially advised. Couldn’t speak more highly of their team. Thank you.
James Kellett, via Google Review
We Fix Credit fixed my credit ????
Sarah Newton, via Facebook Review
I work in the finance industry and I have referred a number of my clients to Alicia and the team at We Fix Credit. My client’s have had a 100% success rate with rectifying credit issues that should not impact their ability to obtain finance to grow their business’ or asset bases.
Brad Bland, via Google Review
Thank you We Fix Credit for assisting another one of our clienteles. They are extremely appreciative of your professionalism and most of all, in successfully removing their issue which was causing them grief.
John Codrington, via Facebook Review
I am so happy with my end result all 6 problems removed after my divorce I’m able to get a loan now thanks team
I have been recommending my mortgage clients here for years. The results have always exceeded my expectations and time frame. I look forward to working with the we fix credit team for many years to come.
Alex Pottinger, via Google Review
Thank you We Fix Credit you have given me a great service five stars from me!
Jazz Omerbegovic, via Google Review
Very very happy with my dealings with Alicia and the team. Great results in good time as promised. I was sceptical about the whole process to begin with but once speaking with Alicia and the results started to come through i could not be happier with the outcome. Would highly recommend this company to anyone with credit issues.
Thanks again guys!
Jack Casey, via Google Review
I am a farmer badly effected by drought and had gone through a divorce that left me financially crippled. Things started getting better but not long after I realised I had 2 credit defaults and needed to refinance my property. My broker referred me to We Fix Credit. He told me he sends all of his clients there. I dealt with Amanda who successfully removed both defaults in less than 5 weeks and I am now able to refinance. Thanks so much.
Doug Henderson, via Google Review
Thank you to the team at we fix credit for removing 2 of my defaults! could not be happier with the service I received and how fast they were able to remove them! I high recommend. Thank you we fix credit :)
Sandra Wales, via Google Review
I had several defaults against my name that actually were not mine. I had no knowledge of any debts until I tried to apply for a loan and found there were several defaults on my credit file. I tried to deal with this myself for years without any success. Alicia repaired my credit file in 3 weeks after I had been dealing with it myself for 2 years. I wish I had just come to her from the start it would have saved me from so much waisted time and unnecessary stress. I highly recommend the We fix Credit Team and I honestly cant thank them enough.
Melinda Barbaro, via Google Review
Words cannot describe how grateful I am to Alicia and the team. Thank you ! I can now get on with my loan, it was all mistaken identity and I tried myself for so long and went to another credit repair company and was mucked around for 6 months before I pulled the pin and went to We Fix Credit. Wish I had gone strait to Alicia in the first place. Debt was wiped and the two defaults REMOVED! Thank you ????
Alicia fixed my default in less than 3 weeks thanks so much!
Amellea Hoget, via Google Review
Thank you to eric for fixing my credit file the process was easy and seamless. I was doubtful at first however I am now very impressed with the end result
Makeup and Beauty Australia, via Google Review
Extraordinary service. Fixed my problem in less than half the time that was initially advised. Couldn’t speak more highly of their team. Thank you.
James Kellett, via Google Review
Dear Alicia at We Fix Credit,

Thank you for all your hard work and dedication to my case. You have really given me back power in my life and the opportunity to help my children achieve the Australian dream and own their own home. I am forever appreciative to you for giving my family a new opportunity to start fresh and with a positive outlook to all of our futures. Debt and dealing with banks must be two of the most disheartening and stressful situations and for you to assist me (in fact I don’t think I will ever have to face another one of those phone calls again) was life changing. I appreciated your calm words, your wit and even your sense of humour.
Obviously I would be more than happy to recommend you, Alicia, and your team. Your integrity is matched by your decency and commitment. Please do not hesitate to use my name or forward my contact details to any prospective clients.
Wishing you the best in all your future endeavours and thank you again for giving me clear credit and opening up my opportunities,


Very Happy with the 2 weeks turn around ! Fast service I am very happy, was expecting the whole process to be much more painful.
Edward Morgan, via Google Review
Very Happy.
Thank you

Mark William, via Google Review
Thanks for changing my life !

Zoe Agolove, via Google Review
Couple of years ago I suffered a serious sporting injury which left me unable to work. As a result I could not pay any expenses. I defaulted on my credit card, my car was repossessed and I had to move back interstate with my parents to survive. My credit rating was terrible with 3 defaults to my credit card company, my car financier and my previous energy provider.

Once I was back working i hired We Fix Credit to help me fix my bad credit. Their staff were kind and understanding to my position and they managed to completely clear my credit history within 5 weeks. They even negotiated a 30% reduction in my debts!!

I don’t know what I would have done without Alicia and her team. They really helped me get back on my feet with a swift, professional service.

I could not recommended these guys more highly if you need help. ????

Nicholas Codrington, via Google Review
I was recommended by a friend to come and see the team at We fix Credit. They were very professional and efficient and got the result I was after. I would highly recommend Alicia and her team to anyone looking to rectify their credit situation.

Charlie Zammit, via Google Review
Thanks Alicia once again. We have been using We Fix Credit for all our clients and they always have success. We refer them to all our clients. Thanks again.
Thankyou for a great experience, and the amazing service provided by you ladies, would definitely recommend we fix credit to anyone.
Hanna Sweid, via Google Review
Amazing service provided spot on advice and fixed my issues. Would definatley recommend them.
Jannelle Pitt, via Google Review
Thanks to Alicia and Danielle I am now default free , thank you girls for all the hard work you have done.
Arijana Ahmetovic, via Google Review
Reliable team with quick service
Danielle G, via Google Review
Amazing service!
Kristen Dior, via Google Review

Credit Defaults

Credit defaults remain on your credit file for 5 years unless you engage the services of a trusted credit repair organisation such as We Fix Credit.  We can effectively remove the default listing totally from all credit bureaus, by way of our investigation techniques into procedural unfairness, mediation and negotiation.

Court Writs and Summons

These listings stay on your credit report for 4 years unless, we intervene and have these completely removed from all credit bureaus. A court writ is automatically recorded upon being served with a claim in the states of Queensland and Western Australia. We Fix credit have effective methods in efficiently having these removed entirely.

Court Judgements

Court Judgements stay on your credit file for 5 years whether or not paid or unpaid from the date of the Judgement in court. The good news is we can have these removed entirely from your credit files in as little as 2-3 weeks.

Debt Negotiation

Dealing with debt matters and debt collection companies can be extremely daunting and frustrating. By engaging a third party such as We Fix Credit to manage these matters for you can save you time, and even save you stacks of money in the process. It’s worthwhile to enquire to see what options you have, and how much you can save by choosing We Fix Credit to manage your debt matters. It’s a hassle fee and results driven process that will get you debt free in NO time at all without any complicated formal debt agreements that end up costing you more. You will agree that you have made the right choice to engage one of our professionals to assist you. At the same time, we are mindful to preserve your credit reputation whilst handling these matters for you.

State Debt Recovery Matters

On the 27th of August 2018 the State Debt Recovery Act 2018 (NSW) (Act) commenced, giving various state agencies new powers to recover debts without having to commence court proceedings. This can literally be a living nightmare when you check your bank account and the government has helped themselves to your savings. This can be prevented if you get to the matters in time and maintain good communication. Sometimes however, this is not always practical and can be confronting, not to mention they have the authority to cancel your license and registration. It makes sense to use a third party to handle these affairs for you and could save you further in fines and save you hefty court fees and money.

Credit Score Improvement

Your credit score is now your credit lifeline. Credit Scores are now the lazy method in which banks and financial institutions approve or decline loans.  Unfortunately, a low credit score can get you an auto-decline for no good reason. There are many factors which can contribute towards a low credit score. It’s definitely worthwhile to regularly check your credit score directly with the main credit reporting bureaus to check your credit health.




If you notice that your score is low, contact one of our credit advocates for a free consult as to what you may be able to do to improve your credit score and while you’re there get some free advice as to how to keep it high and healthy.

Identity Theft

Identity theft continues to pose challenges for consumers as criminals develop new means to commit fraud and cyber crime. This common problem can be difficult to tackle on one’s own. We Fix Credit sympathise with these situations and can resolve these matters without the you having to worry anymore and can put this ordeal behind you and clearing your good name. If you have been a victim of Identity Theft call us today to discuss how we can help you rectify this as smoothly and quickly as possible.

Incorrect Cross Reference Files

Cross references or multiple credit files can occur through genuine name change situations such as marriage or various other reason to do so. Other factors include changing drivers Licence numbers from state to state and some cross files are simply administrative and or identification errors.

In some cases, the cross file can be completely removed and in others we can assist you in having these consolidated into one credit file with one accurate credit score. This will in the eyes of other potential lenders make you appear more stable and legitimate. This is imperative in having your loan assessed correctly without any hiccups along the way.

Mediation Invoice Disputes

Running a business and accounts is a tough enough gig, without the problems arising from unfair or incorrect invoices and disputes to manage. This can take your time away from what you do best which is your business itself.

Having a third party that understand this and can deal with the dispute without the emotional factor is a great idea and a great advantage. You are welcome at any time to have a free no obligation chat on 1300 003 655 with one of our business Credit Advocates to look at all your options and see if it is a worthwhile decision to take up this service.

Australian Taxation Office Disputes

Tax disputes may be up there with the most stressful and frustration and tedious matters of all. The wheels can turn slowly costing you a huge amount of energy and money. We Fix Credit can assist you with some of your taxation dispute matters and effectively save you not only in dollars but time and years on your life. Talk to one of our Business advocates about how this service may help you and your business.

Bushfire Disaster Assistance

We Fix Credit is offering our assistance FREE of charge to any one affected by the bushfires (including RFS volunteers). We know that in times of crisis and natural disaster, the last thing on one’s mind is dealing with call centres, completing paperwork and locating and providing supporting documentation. Tackling these matters on one’s own can be daunting and not to mention time consuming. We understand that you may have several credit facilities and to contact all of them and complete this process may be tough. This is why we want to offer our assistance to guide you through this process and forward on information on your behalf to credit providers so that you will not have to worry about your credit score being affected by this tragedy. There are a number of specific measures we can assist with that will help your long term financial future. This service is offered with our compliments in this difficult time for Australians.


Credit Reporting Bureaus

We repair credit reports and credit scores with the following credit reporting bureaus.

The benefits of protecting your Credit File for your future include:

We Fix Credit News

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Mahmut Demir
Mahmut Demir
03:57 04 Jun 20
These guys are real professionals! They chase down all the debt collectors, negotiate on the defaults, and boost credit... score. Well done!read more
Aaron Jarvis
Aaron Jarvis
02:19 06 May 20
Thanks you guys are awesome!! I will firstly say to others, be careful who you pick to fix your credit I went to... another company and wasted my time and cost me a heap wasted my money. I lost the first house we wanted to buy . The accountant said to try this company. Glad I did thank God! Made my year so much better already 😊😊😊read more
Henry Jacob
Henry Jacob
04:21 27 Apr 20
I had a bad experience with another firm in this field and i was hesitant at giving another company a go; so i let it... go for months before deciding to give Alicia and her team a go. So i was tentative and asked them to address one of my defaults; within days they informed me that my default had been removed. I was stunned as they achieved this in a few days and what another company could not achieve in 12 months. I gave my other matters to them and in just over a month my file was cleared; not a mark on it; i was in complete shock. I wanted answers on how this was possible. Alicia has been doing this for over a decade and she just knew how to get it done; she would not give up even when we were faced with barriers. I"m so glad i put my trust in them. Give them a call; i am happy for Alicia to share my story.read more
Magdalena Mosse
Magdalena Mosse
04:57 23 Apr 20
Amazing company! I friend of mine referred them to me. At first I was hesitant but good thing I gave it shot. Alicia... was really helpful throughout the process of fixing my credit score. Thank you WE FIX CREDIT!read more
rey mekler
rey mekler
02:36 23 Apr 20
We Fix Credit is an amazing company! They are very transparent with the process and was able to skyrocket my credit... score. I would highly recommend them for providing a reputable credit repair. Lastly, fantastic customer service! A+++read more
Nicole Corne
Nicole Corne
05:00 29 Jan 20
I refer all of my home loan clients to We Fix Credit because they are fast, professional and successful every single... time. They have helped my business immensely.read more
Tina Sergi
Tina Sergi
09:15 19 Jan 20
I was invoiced incorrectly by my energy company. I was receiving non stop harassing phone calls from a debt collector... which was very stressful. As soon as I engaged We Fix Credit the calls stopped! They cleared the debt and removed the default in record time. Thanks so much!read more
Bella Barbaro
Bella Barbaro
04:17 18 Jan 20
I was referred by my cousin after she had her credit file cleared by the we fix credit team. I am so glad i found these... lovely ladies as they have now done the same for me. Now I have had my file cleared ive been able to refinance and saved heaps of money in the process! Thanks a bunch!read more
Rajiv Dhital
Rajiv Dhital
04:08 04 Dec 19
Thanks Alicia for clearing my report! The whole process was much quicker then originally advised so I am very happy... with this result!read more
Jack Casey
Jack Casey
02:37 26 Sep 19
Very very happy with my dealings with Alicia and the team. Great results in good time as promised. I was sceptical... about the whole process to begin with but once speaking with Alicia and the results started to come through i could not be happier with the outcome. Would highly recommend this company to anyone with credit issues. Thanks again guys!read more
Ahmad Smadi
Ahmad Smadi
05:29 03 Sep 19
I had a $53000 debt to a bank and a bad credit score stopping me from getting a loan. I spoke to other credit repair... companies that could not understand or achieve the result that I wanted. Finally I was referred to We Fix Credit from a good friend. Alicia and her team successfully removed the credit default and saved me over $40,000 in the process. I am very happy with this result and would recommend We Fix Credit to anyone in a similar situation. Thank you ?read more
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