Frequently Asked Questions & Answers

How does credit repair work?2019-10-10T04:50:46+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?2019-09-24T02:21:31+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?2019-09-24T02:18:31+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?2019-09-24T02:23:19+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?2019-09-24T05:42:02+00:00

4 Years        Court Writs & Summons

5 Years        Defaults, Judgments & Credit Enquiries

5 Years        Bankruptcy & Part 9 Debt Agreements

7 Years        Serious Credit Infringement

10 Years      External Administration & Previous Directorship