- Do you need to meet in person in Brisbane?
- 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. Brisbane clients are serviced the same way as clients anywhere else in Australia.
- How much does credit repair in Brisbane 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 Brisbane 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 Legal Aid Queensland and Queensland community legal centres, raise the matter with the Office of Fair Trading Queensland, 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 Brisbane 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 Only listings that are inaccurate, incomplete, out of date, misleading or unlawfully recorded can be removed earlier.