© 2026 Fix My Credit
Digital Marketing by BAMBRICK
Help Improve Your Credit Rating
GET A FREE CREDIT REVIEW PHONE CALL AND
Australia's Trusted Specialist in Credit Score & Removing Defaults
Don’t Let A Bad Credit Rating Hit Pause On Your Future
Fix My Credit are absolutely amazing at what they do. 1000% highly recommend! You won’t find a better company to deal with when it comes to credit. Thanks so much for everything!
- Pam Burgess
HIGHLY RECOMMENDED
I am really overwhelmed by Fix My Credit, cleared default from my credit file within days that’s really amazing, just talked to Sam, asked a few questions and he passed my details to Claudia and my credit file fixed. I highly recommend Fix My Credit to every single Australian and why not the whole world. Thank you!
- Soodesh Sunt
SPEEDY SERVICE
I recently had the pleasure of working with Nikki and the Fix My Credit team, and I cannot express my gratitude enough for their outstanding service. I am thrilled to say that the default on my credit report has been removed.
- Richard Nicholson
QUALITY RESULTS
TRUSTED BY THOUSANDS OF CLIENTS ACROSS AUSTRALIA
Our Customers Speak For Themselves
What To Expect From Your Free Credit Review Phone Call
If you’re struggling with the burden of bad credit, Fix My Credit can help you get back on your feet. You can trust the team to take the necessary steps to improve your credit and reclaim your financial opportunities.
To find out how we can help you, book a no-obligation, free 15-minute call to assess your eligibility for our credit and debt services.
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Personal & Private Chat
Chat with our friendly staff to help us gain an understanding of where you’re at with your finances
Credit Analysis
We’ll run you through a questionnaire to determine if we can help you with our range of services
Qualification Assessment
Complete a quick online application form to see if you’re approved for our services
From Rejection to Financial Freedom
Why You Can Trust Fix My Credit
Experienced Professionals
Expert team with 10+ years experience. From the first call you will be treated with the empathy and respect you deserve.
BAD CREDIT HISTORY? WE CAN HELP!
Licensed Agent
Fix My Credit is a fully licensed Australian based agency.
Australian Credit License Number: 531744
Personalised Service
Every Fix My Credit customer is assigned a personal case manager, to understand your personal circumstances and guide the process to default removal.
Affordable Rates
We offer industry leading success rates at an affordable price.
The team at Fix My Credit have been nothing short of outstanding on how effectively they resolved a recent fraud issue I experienced. Professional, excellent communication, provided peace of mind during the process and delivered a timely successful outcome. Highly recommend their services.
- Marcus Morant
PROFESSIONAL SERVICE
Beyond grateful for the professionalism of this company especially Nikki who handled my default removal with kindness.
So grateful and would highly recommend this company to anyone who has been through a hard time.
- Jade Archard
HIGHLY RECOMMENDED
The process was simple from beginning to end. Everyone I spoke to was very friendly, patient and helpful. Especially my case manager, who answered all my questions without hesitation. Everything I asked he did. Thank you so much. I'm finally debt free.
- Tara McIntosh
RESULTS WITH A SMILE
TRUSTED BY THOUSANDS OF CLIENTS ACROSS AUSTRALIA
Our Customers Speak For Themselves
Defaults We Review On A Daily Basis
Why Choose Fix My Credit
10 Years of Experience
Our experienced team knows the steps necessary to improve a bad credit score. When times get tough we’re here to help.
Built On Core Values
We are committed to helping our clients unlock their financial futures, through an ethical, fair and transparent process.
Fully Licensed & Compliant
Fix My Credit is a credit score agency that holds an Australian Credit Licence (ACL) and is an active member of the Australian Financial Complaints Authority (AFCA).
A TRUSTED PARTNER THAT'S IN YOUR CORNER
How does Fix My Credit approach bad credit?
Our approach involves a detailed assessment of your credit report to pinpoint inaccuracies, followed by strategic negotiations with creditors and implementing debt consolidation strategies to manage and improve your credit standing.
Why should I get professional help to analyse my credit report?
Fix My Credit can provide valuable expertise, save you time and effort, and increase your chances of success. They have in-depth knowledge of credit laws, can navigate the complexities of the process more efficiently, and negotiate on your behalf. With personalised guidance and support, they can develop a comprehensive plan tailored to your specific credit situation, ensuring your rights are protected throughout the process.
How long does it take to improve credit history in Australia?
The time it takes to improve your credit history in Australia can vary depending on the complexity of your situation.
What services does Fix My Credit offer?
Fix My Credit specialises in a suite of credit repair services, including negotiating settlements, correcting inaccuracies on credit reports, such as credit defaults and court judgements and offering tailored advice to improve credit scores, aimed at enhancing financial opportunities for Australians.
Frequently Asked Questions
The Real Risks of Buy Now, Pay Later
This ABC report discusses the dangers of buy now and pay later schemes, & introduces how Fix My Credit can help you improve your credit score.
As Seen on ABC News
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Do you have defaults or court judgements holding you back from obtaining finance? Fix My Credit is here to help.
Full Credit Report
Credit Restoration
Debt Solutions
Removal of Defaults/Court Judgements & Clearouts
Debt Negotiation
ATO Debt Negotiation
Full Credit Report
Credit Restoration
Debt Solutions
Debt Negotiation
ATO Debt Negotiation
Removal of Defaults/Court Judgements & Clearouts
See how a bad credit rating can impact your loan repayments.
We’re here to help you improve your credit health, but we don't issue loans or guarantee approvals from third-party lenders
Defaults We Review On A Daily Basis
How It Works
Our transparent process makes securing your financial future simple and fair.
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Free Credit Review
In your initial phone consultation, our specialists will assess your eligibility for our credit and debt services. If eligible, our specialists dig deep into your unique situation to identify the unfair or incorrect listings holding you back. We provide a clear roadmap of what can be challenged.
1
We Challenge & Advocate
Once engaged, we build a comprehensive case to dispute negative listings, liaising directly with credit reporting bodies and creditors to wipe errors and unfair defaults.
2
Reclaim Your Financial Future
We aggressively negotiate on your behalf to help secure corrections and removals. Our goal is to clean your file, helping you regain your financial freedom and access the finance you deserve.
3
Tried 2 other places and this company did in 1 month what the others couldn't in a year!! Claudia was handling my account and she did amazing and boosted my score higher than I even expected.
- Zack Raad
FAST AND EFFICIENT
i had a complex situation with finance and insurance companies and the service and know-how from this team was second to none, combined with a can do approach.
- Terrance Snell
CAN DO ATTITUDE
Book your FREE
Credit Review Phone Call
Use the form to book a no-obligation, free 15-minute call to assess your eligibility for our credit and debt services.
We’re here to help you improve your credit health, but we don't issue loans or guarantee approvals from third-party lenders
Jessica Tarrant
"I became debt free in a very short time. I can’t thank Fix My Credit enough."
Cindy Felsman
"Could not have asked for more."
100s
We've helped hundreds of customers restore their credit
10+ yrs
Expert team with over ten years experience
Help Improve Your Credit Rating
GET A FREE CREDIT REVIEW PHONE CALL AND
Credit Repair Agency
HELPING EVERYDAY AUSTRALIANS ACHIEVE FINANCIAL FREEDOM
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
No-obligation, free 15-minute call
Book your FREE Credit Review Phone Call or speak directly to our expert team today
Watch how we empowered Adam and Heidi to help clear their defaults and move forward with their future.
Home Loan: $350,000 borrowed
Interest paid with good credit
$471,939
Deposit needed with good credit
$17,500 (5%)
Interest paid with bad credit
$899,169
Deposit needed with bad credit
$70,000 (20%)
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Personal Loan: $30,000 borrowed
Interest paid with good credit
$14,732
Interest paid with bad credit
$75,663
We are proud members of:
Help Improve
Your Credit
Rating
Do you have defaults or court judgements holding you back from obtaining finance? Fix My Credit is here to help.
How It Works
Our transparent process makes securing your financial future simple and fair.
Free Credit Assessment
In your initial consultation, our specialists dig deep into your unique situation to identify the unfair or incorrect listings holding you back. We provide a clear roadmap of what can be challenged.
1
We Challenge & Advocate
Once engaged, we build a comprehensive case to dispute negative listings, liaising directly with credit reporting bodies and creditors to wipe errors and unfair defaults.
2
Reclaim Your Financial Future
We aggressively negotiate on your behalf to help secure corrections and removals. Our goal is to clean your file, helping you regain your financial freedom and access the finance you deserve.
3
Book your FREE Credit Review Phone Call or speak directly to our expert team today
OR
No-obligation, free 15-minute call
Defaults We Review On A Daily Basis
GET A FREE CREDIT REVIEW PHONE CALL AND
Help Improve Your Credit Rating
Don’t Let A Bad Credit Rating Hit Pause On Your Future
See how a bad credit rating can impact your loan repayments.
We’re here to help you improve your credit health, but we don't issue loans or guarantee approvals from third-party lenders
Book your FREE Credit Review Phone Call
We’re here to help you improve your credit health, but we don't issue loans or guarantee approvals from third-party lenders
If you’re struggling with the burden of bad credit, Fix My Credit can help you get back on your feet. You can trust the team to take the necessary steps to improve your credit and reclaim your financial opportunities.
To find out how we can help you,
book a no-obligation, free 15-minute call to assess your eligibility for our credit and debt services.
Book your FREE Credit Review Phone Call
Do you have defaults or court judgements holding you back from obtaining finance? Fix My Credit is here to help.
Full Credit Report
Credit Restoration
Debt Solutions
Removal of Defaults/Court Judgements & Clearouts
Debt Negotiation
ATO Debt Negotiation
Full Credit Report
Credit Restoration
Debt Solutions
Debt Negotiation
ATO Debt Negotiation
Removal of Defaults/Court Judgements & Clearouts
Do you have defaults or court judgements holding you back from obtaining finance? Fix My Credit is here to help.
Full Credit Report
Credit Restoration
Debt Solutions
Removal of Defaults/Court Judgements & Clearouts
Debt Negotiation
ATO Debt Negotiation
Full Credit Report
Credit Restoration
Debt Solutions
Debt Negotiation
ATO Debt Negotiation
Removal of Defaults/Court Judgements & Clearouts