Credit Score Facts

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Credit Score Facts2020-07-30T02:17:09+00:00

Frequently Asked Questions & Answers

Who can access to my credit file?2020-07-30T03:19:05+00:00

A credit provider may access your consumer credit report for a number of reasons, including:

  • to assess your application to them for consumer credit
  • to enable them to collect any overdue payments for consumer credit they have given you
  • to assess your application to them for commercial credit, or to enable them to collect any overdue payments for commercial credit, but only where you have consented to the disclosure of your consumer credit report for that purpose
  • to assess whether to accept you as a guarantor for an application for credit where you have consented to the disclosure of your consumer credit report for that purpose
  • where they have received from a credit reporting body information that suggests you have committed a serious credit infringement

Neither a real estate agent, landlord, employer, foreign credit provider, foreign credit reporting body or an insurance company (other than mortgage insurer and trade insurer) are allowed to access your credit report.

Your consumer credit report also includes a log of who has accessed it. A credit provider or other third party isn’t generally able to view this information.

How does credit repair work?2021-04-01T03:07:32+00:00

If questionable negative items are hurting your credit, removing them can improve your score. Here’s how we do it……

With over 11 years of experience helping thousands of people in Australia and New Zealand with their credit, we  strive to offer the best service and we don’t give up on you.

Until We Fix Credit was established in 2008, credit repair was very much a hit and miss affair usually involving expensive legal costs, where knowledge of the related legislation was an area not generally understood even by lawyers. Our Senior Advocates are highly trained specialists, with decades of experience in Financial Services and the Credit Repair industry.

We spend a great deal of time and energy developing and optimising our credit repair services, we are trusted in credit repair for good reason. We have the quickest turnaround time in the country, allowing you to get back on track to getting approved for your loan sooner.

How much does it cost to fix my credit?2020-12-22T03:13:27+00:00

Our fee structure is broken up into two components being an administration fee and a fee for the successful removal or improvement of the credit listing.

The majority of our fee is paid upon confirmation of removal, so your success is our success.

How long does it take?2021-04-01T03:44:14+00:00

There are a number of variables that can affect the time frame however the majority of our matters are finalised within a six week period.

Will the adverse listing be removed from my credit file completely?2021-02-03T04:38:53+00:00

Yes, if successful the negative listing/s will be permanently deleted from your credit file allowing you to apply for finance once again or if you credit score is low, it will immediately increase.

What sort of credit listings can be removed?2019-09-24T02:22:56+00:00

We are able to help with the removal of a wide range of listings, such as Defaults, Court Judgments, Serious Credit Infringement, Cross Reference Files & Low Credit Score.

How long is information held on a credit file?2021-04-06T05:18:01+00:00



Type of information


Stays on your credit report for


Bankruptcy The later of 5 years starting on the day you became bankrupt, or 2 years starting on the day you were no longer bankrupt
Court judgment 5 years
Credit enquiry 5 years
Current consumer credit obligations 2 years (from the end of the consumer credit)
Debt agreement The later of:

5 years from the day the agreement was made


2 years from the day the agreement was:

  • terminated
  • ends when the agreement ends under s 185N of the Bankruptcy Act 1966
  • an order was made declaring the agreement void
Default 5 years
Repayment history 2 years
Serious credit infringement 7 years