Credit Repair · Australia-wide
Australian credit repair, done properly.
A poor credit file can block approval for finance and push you into higher interest rates on the loans you do secure. A OK Credit Repair is a no win, no fee Australian credit repair service. We assess your file at no cost. Success fees are payable only when an agreed success stage is achieved.
$0
Assessment fee
3
Reporting sources
AU
Nationwide
What we can dispute
Free review- Defaults (paid & unpaid)
- Court judgements & writs
- Late payments & repayment history
- Unauthorised, duplicate or incorrectly attributed enquiries
- Incorrect or duplicate listings
- Identity-mix-up and fraud listings
Reporting sources
As a no win, no fee Australian credit repair service, A OK Credit Repair assesses your file at no cost and disputes listings across these sources.
Why A OK Credit Repair
Straightforward, lawful, and only paid on results.
Credit repair is a regulated process. A OK Credit Repair works within the Privacy Act 1988 and the Credit Reporting Code, and we tell you upfront what can — and can't — be disputed. Nothing is guaranteed except our honesty and our no win, no fee arrangement.
No win, no fee
A OK Credit Repair is a no win, no fee Australian credit repair service. We assess your file at no cost. Success fees are payable only when an agreed success stage is achieved.
Lawful dispute work
Every dispute is prepared carefully and cites the exact obligations creditors and bureaus must meet under Australian law.
Clear communication
You are kept informed at every stage. No jargon, no pressure tactics, no false promises about your credit score.
Default removal
Paid and unpaid defaults across Equifax and Experian.
Learn moreCourt judgements
Judgements, writs and enforcement records reviewed and disputed where possible.
Learn moreLate payments (RHI)
Repayment history information assessed for correction where it appears reported inaccurately or otherwise improperly.
Learn moreEnquiries & mix-ups
Unauthorised enquiries, duplicates and identity confusion listings.
Learn moreOur process
Four steps. One clear path.
A OK Credit Repair keeps you informed from the first free review through to resolution.
See the full process- 01
Free assessment
We review your credit report (which you provide) and identify what is legitimately disputable.
- 02
Investigation
We gather evidence, review compliance with the Credit Reporting Code, and prepare a strategy tailored to your file.
- 03
Dispute & negotiate
We lodge formal disputes with the creditor and the bureau, citing the specific obligations they must meet.
- 04
Resolution
Where a listing is removed or corrected, we confirm it in writing. Success fees are payable only when an agreed success stage is achieved.
Know your rights
You can do this yourself, for free.
Free help is available
You can dispute a listing directly with the credit provider or bureau at no charge, and free financial counselling is available on the National Debt Helpline, 1800 007 007.
Free external dispute resolution
If a credit provider or bureau does not resolve your complaint, you can complain to the Australian Financial Complaints Authority (AFCA) at no cost.
Why people use us
A OK Credit Repair is a paid, optional service for people who would rather have the assessment, evidence gathering and correspondence handled for them. You are never obliged to engage us.
Outcomes depend on the facts of each credit file. We make no representation that any particular listing can be removed, or that your credit score, borrowing capacity or interest rate will change. Accurate, complete, current and lawfully recorded information cannot be removed.
Step one · Get your credit reports
Before we can help, you'll need to order your own credit files.
You are entitled to a free copy of your credit file from the Australian credit reporting bodies. Order them directly below, then send them to A OK Credit Repair for a free, no-obligation assessment.
Consumer credit file
Equifax
Australia's most widely used consumer credit bureau. Free file available once every 3 months, or if you've been refused credit in the last 90 days.
Consumer credit file
Experian
Order a free copy of your Experian credit report online. Useful to cross-check listings that may only appear with one bureau.
Commercial credit file
CreditorWatch
For business owners, sole traders and company directors. Free commercial credit report reveals defaults or judgements affecting your ABN or ACN.
Please request your own reports. A OK Credit Repair does not pull credit files on your behalf. Once you have them, forward them to us and we will complete a free assessment identifying any listings that may be inaccurate, outdated or unlawfully recorded.
Get started
A free, confidential assessment of your credit file.
A OK Credit Repair reviews your file, tells you what we can help with, and gives you an honest plan — before you commit to anything.
No obligation · Strictly confidential