Do you need to meet in person in Perth?

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

How much does credit repair in Perth 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 Perth 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 WA and the Consumer Credit Legal Service (WA), raise the matter with Consumer Protection WA (Department of Energy, Mines, Industry Regulation and Safety), 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 Perth 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 Only listings that are inaccurate, incomplete, out of date, misleading or unlawfully recorded can be removed earlier.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 · Perth, WA

Credit repair in Perth, done properly.

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

Credit repair for Perth residents

Perth is served remotely, which makes no difference to the process: credit reporting is federal law, and disputes are lodged with the credit provider and the bureau in writing regardless of where you live. Time zone aside, a Perth file is handled exactly as a Sydney one.

WA courts and judgement listings

Judgements against Perth residents are typically entered in the Magistrates Court of Western Australia, and the General Procedure Claim record is the reference point when checking whether a judgement listing has been reported correctly.

Judgements relevant to Perth files come from the Magistrates Court of Western 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 Perth 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 Western Australia

You are never required to pay for help with your credit file. In Western Australia you can contact Legal Aid WA and the Consumer Credit Legal Service (WA), raise a matter with Consumer Protection WA (Department of Energy, Mines, Industry Regulation and Safety), 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 Perth?: 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. Perth clients are serviced the same way as clients anywhere else in Australia.
How much does credit repair in Perth 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 Perth 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 WA and the Consumer Credit Legal Service (WA), raise the matter with Consumer Protection WA (Department of Energy, Mines, Industry Regulation and Safety), 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 Perth 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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