Do you need to meet in person in Melbourne?

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. Melbourne clients are serviced the same way as clients anywhere else in Australia.

How much does credit repair in Melbourne 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 Melbourne 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 Only listings that are inaccurate, incomplete, out of date, misleading or unlawfully recorded can be removed earlier.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 · Melbourne, VIC

Credit repair in Melbourne, done properly.

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

Credit repair for Melbourne residents

Melbourne credit files carry the same listing types as anywhere in Australia — defaults, serious credit infringements, civil judgements, repayment history information and enquiries. What differs is where a judgement originated and which Victorian bodies can help you free of charge.

VIC courts and judgement listings

Most consumer debt judgements against Melbourne residents are entered in the Magistrates' Court of Victoria. Where a judgement is accurate and properly entered, it stays on the file for five years; where the court record does not match what the bureau has published, that is a reporting error and can be disputed.

Judgements relevant to Melbourne files come from the Magistrates' Court of Victoria and the County Court of Victoria. 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 Melbourne 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 Victoria

You are never required to pay for help with your credit file. In Victoria you can contact Victoria Legal Aid and Victorian community legal centres, raise a matter with Consumer Affairs Victoria, 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 Melbourne?: 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. Melbourne clients are serviced the same way as clients anywhere else in Australia.
How much does credit repair in Melbourne 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 Melbourne 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 Victoria Legal Aid and Victorian community legal centres, raise the matter with Consumer Affairs Victoria, 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 Melbourne 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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