Do you need to meet in person in Adelaide?

No. Credit reporting is governed by federal law and every dispute is lodged in writing with the credit provider and the credit reporting body, so the entire process is handled by phone, email and post. Adelaide clients are serviced the same way as clients anywhere else in Australia.

How much does credit repair in Adelaide cost?

The initial review of your credit file is free. Any fee is quoted in writing before work starts and is payable only where a listing is successfully removed or corrected — no win, no fee.

How long does a default stay on a Adelaide credit file?

A default generally stays for five years from the date it was listed, a serious credit infringement for seven years, and a civil judgement for five years. Only listings that are inaccurate, incomplete, out of date, misleading or unlawfully recorded can be removed earlier.

Credit repair · Adelaide, SA

Credit repair in Adelaide, done properly.

Free credit file assessment for Adelaide and wider South Australia. We dispute only what is inaccurate or unlawfully listed, and charge only where a listing is removed or corrected.

Credit repair for Adelaide residents

Adelaide clients most often come to us over a default they did not know about — commonly an old telco or utility account — that only surfaced when a lender declined an application. The first step is the same for everyone: get your free credit report and see exactly what is listed.

SA courts and judgement listings

South Australian civil judgements are entered in the Magistrates Court of South Australia. We check the court record against what is published on your file before any dispute is lodged, because a mismatch in amount, date or party is a reportable error.

Judgements relevant to Adelaide files come from the Magistrates Court of South Australia. Where the published listing and the court record disagree, that is a reporting error under the Privacy Act 1988 and can be disputed.

What we review on a Adelaide credit file

Defaults listed by lenders, telcos and utilities
Civil judgements, writs and enforcement listings
Repayment history information (late payment markers)
Credit enquiries recorded without proper consent
Duplicate, expired or mismatched identity listings

Free help available in South Australia

You are never required to pay for help with your credit file. In South Australia you can contact the Legal Services Commission of South Australia and Uniting Communities financial counselling, raise a matter with Consumer and Business Services (CBS) South Australia, call the National Debt Helpline on 1800 007 007 for free financial counselling, or complain at no cost to the Australian Financial Complaints Authority. We are an optional paid service for people who would rather have the work handled for them.

Outcomes depend on the facts of each credit file. Accurate, complete, current and lawfully recorded information cannot be removed, and we make no representation about credit scores, borrowing capacity or interest rates.

Free credit file assessment

Common questions

Do you need to meet in person in Adelaide?: No. Credit reporting is governed by federal law and every dispute is lodged in writing with the credit provider and the credit reporting body, so the entire process is handled by phone, email and post. Adelaide clients are serviced the same way as clients anywhere else in Australia.
How much does credit repair in Adelaide cost?: The initial review of your credit file is free. Any fee is quoted in writing before work starts and is payable only where a listing is successfully removed or corrected — no win, no fee.
Can I fix my credit file in Adelaide myself for free?: Yes. You can dispute a listing directly with the credit provider or the credit reporting body at no cost, get free financial counselling on the National Debt Helpline (1800 007 007), contact the Legal Services Commission of South Australia and Uniting Communities financial counselling, raise the matter with Consumer and Business Services (CBS) South Australia, or complain free of charge to the Australian Financial Complaints Authority. Using a paid service is always optional.
How long does a default stay on a Adelaide credit file?: A default generally stays for five years from the date it was listed, a serious credit infringement for seven years, and a civil judgement for five years. Only listings that are inaccurate, incomplete, out of date, misleading or unlawfully recorded can be removed earlier.

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A free, confidential assessment of your credit file.

We review your file, tell you what we can help with, and give you an honest plan — before you commit to anything.

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