Frequently asked
Straight answers to real questions.
Everything most Australians ask us before booking an assessment. If your question isn't here, we're happy to answer it in a free call.
- Is credit repair legal in Australia?
- Yes. The Privacy Act 1988 (Cth) and the Credit Reporting Code give you the right to have inaccurate, incomplete, out-of-date or unlawfully listed information corrected. Credit repair is the professional service of exercising those rights on your behalf.
- What can A OK Credit Repair actually remove?
- We assess and dispute listings that are inaccurate, unlawful or reported in breach of the Credit Reporting Code — including defaults, court judgements, unauthorised enquiries and misreported late payments. Valid, correctly listed debts cannot be removed, and we will tell you that upfront.
- How much does credit repair cost in Australia?
- A no win, no fee Australian credit repair service. We assess your file at no cost, and default removal fees start at $1,200, increasing with the complexity of the matter. There is no upfront service fee and no monthly subscription. Success fees are payable only when an agreed success stage is achieved, and fees and success criteria are clearly explained and agreed with you in writing before any fee-bearing work begins. Our fees page sets out the full fee timeline.
- When does each part of the fee become payable?
- The success fee is ordinarily split across two stages. The first 50% becomes payable when the credit provider or credit reporting body confirms in writing that it has agreed to the removal or correction. The remaining 50% becomes payable when we provide your updated credit file confirming the change. The whole process typically runs about 8 to 10 weeks, with the first 4 to 6 weeks ordinarily unpaid work.
- What happens if the listing isn't removed?
- If an agreed success stage is not achieved, the fee for that stage is not payable. We cannot guarantee the removal or correction of any particular listing, and we only agree to dispute a listing where there is a genuine, lawful basis to do so.
- How long does the process take?
- Most disputes are resolved within 30 – 90 days, though this varies based on the listing type, the creditor involved and the complexity of your file.
- Will disputing a listing hurt my credit score?
- The dispute process itself does not add negative information to your file. If a listing is removed or corrected, the impact on your score depends on the rest of your file. We don't make specific score guarantees — anyone who does should be treated with caution.
- Which reporting sources do you work with?
- The Australian consumer credit reporting bodies — Equifax and Experian — and CreditorWatch for commercial listings relevant to sole traders and small business owners.
- Do I need a specific reason to book an assessment?
- No. Many clients simply want an accurate, current view of their credit file and a professional opinion on whether anything on it is disputable.
- What if you tell me you can't help?
- That's a genuine possibility, and we'll say so at the assessment stage. There is no cost, no obligation, and no follow-up sales pressure. We only take on files where there is a real basis to act.
- Is A OK Credit Repair licensed?
- Credit repair is a 'debt management service' regulated by ASIC under the National Consumer Credit Protection Act 2009 (Cth), which requires an Australian Credit Licence with a debt management services authorisation (or authorisation as a credit representative), plus membership of the Australian Financial Complaints Authority (AFCA). A OK Credit Repair (ABN 32 672 842 318) is Authorised Credit Representative CRN 580699 of Edward Griffith t/a Debt Management Services, Australian Credit Licence 533933. These details, and AFCA membership, are set out on our Legal & compliance page, in our Credit Guide and in our written services agreement.
- Could I do this myself for free?
- Yes. You can request your credit report free of charge and ask the credit provider or bureau to correct anything you believe is inaccurate, out-of-date, incomplete, irrelevant or misleading — they must investigate at no cost to you. Free financial counselling is available on 1800 007 007, and AFCA resolves complaints free of charge on 1800 931 678. Our service is optional and paid, for people who would rather have it handled for them.
- What if I want to make a complaint about A OK Credit Repair?
- Contact us and we will handle it under our internal dispute resolution process in line with ASIC Regulatory Guide 271. If you're not satisfied with our response, you can take the complaint to AFCA free of charge on 1800 931 678.
- How is A OK Credit Repair different from other credit repair companies?
- We keep it small and focused. Every file is reviewed personally, we quote every fee in writing before starting work, and success fees are payable only when an agreed success stage is achieved.
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