Legal & Compliance

Last updated: 15 August 2026

This page provides important information about A OK Credit Repair, our regulatory status, the services we provide and the limitations that apply to information published on this website.

Licensing and authorisation

Kaokab Marroun trading as A OK Credit Repair
ABN 32 672 842 318

A OK Credit Repair is an Authorised Credit Representative, CRN 580699, of Edward Griffith trading as Debt Management Services, Australian Credit Licence 533933.

A OK Credit Repair is a member of the Australian Financial Complaints Authority.

AFCA Member ID: 124481

A OK Credit Repair does not hold Australian Credit Licence 533933 in its own right. We engage in authorised credit activities on behalf of the licensee and only within the scope of our written credit representative authorisation.

Our regulated services

A OK Credit Repair provides debt management services, including credit reporting assistance.

Within the scope of our authorisation, our services may include:

• reviewing consumer credit reports and relevant supporting information;
• assessing credit-report information that may have grounds for correction or dispute;
• preparing and submitting correction requests and disputes on behalf of clients;
• communicating with relevant credit providers and credit reporting bodies;
• providing supporting information and responding to requests relevant to those matters;
• following up correction requests and disputes; and
• monitoring and confirming outcomes where appropriate.

We may assist in relation to information that may be inaccurate, out-of-date, incomplete, irrelevant, misleading or otherwise improperly recorded.

The fact that information is negative, affects a credit score or makes obtaining finance more difficult does not, by itself, mean that the information is incorrect or can lawfully be removed.

Our services are generally provided remotely. In-person consultations may be available by prior arrangement where appropriate.

Regulatory framework

Debt management services, including credit reporting assistance relating to consumer credit contracts, are regulated credit activities under the National Consumer Credit Protection Act 2009 (Cth).

Our regulated services are provided within our credit representative authorisation and having regard to applicable requirements under:

• the National Consumer Credit Protection Act 2009 (Cth);
• the National Consumer Credit Protection Regulations 2010;
• the Privacy Act 1988 (Cth), where applicable;
• the Australian consumer credit-reporting framework, including the Privacy (Credit Reporting) Code 2025 where relevant; and
• other applicable Australian laws, regulatory requirements and the requirements of our authorising credit licensee.

The Privacy (Credit Reporting) Code 2025 forms part of the Australian consumer credit-reporting framework. References to the Code on this website do not mean that every provision of the Code applies directly to A OK Credit Repair.

Where written authority is required for us to deal with a credit provider or credit reporting body on your behalf, we will obtain the appropriate authority before doing so.

Fees

A OK Credit Repair is a private, fee-charging credit reporting assistance service.

Our credit-repair service fees are success-based.

A separately arranged in-person consultation may involve a consultation, travel or venue charge. Any such charge will be disclosed and agreed before the appointment and is separate from our success-based service fees.

Before you enter into a service agreement, we will explain in writing:

• the fees applicable to your matter;
• the agreed success criteria;
• when a success fee may become payable; and
• what you can expect to pay if the agreed success criteria are achieved.

Fees and success criteria are agreed with you in writing before work begins.

Further information about fees and remuneration is available in our Credit Guide and, if you engage us, your Client Service Agreement.

Cancellation

You may cancel our services in accordance with your Client Service Agreement.

Any fees already earned under the agreed success terms remain payable. Your Client Service Agreement explains the applicable cancellation terms.

Nothing in our cancellation terms limits any right you have that cannot lawfully be excluded or restricted.

Referral arrangements

A OK Credit Repair may pay referral fees or other agreed benefits to professional introducers, including brokers, accountants, real estate professionals and other referrers.

We may also receive a referral fee where we refer a client to a separate non-credit-product professional service, such as debt negotiation or business restructuring services.

A OK Credit Repair does not receive referral fees for referring clients to obtain loans, credit contracts, consumer leases or other finance products.

Where a referral arrangement applies, further information about remuneration and the right to request information about relevant referral payments is contained in our Credit Guide.

Free alternatives

You are not required to use a paid credit repair service to request access to or correction of your consumer credit information.

You can contact a credit provider or credit reporting body directly and request investigation or correction of information without paying A OK Credit Repair.

If you are experiencing financial difficulty, free financial counselling and information is available through the National Debt Helpline on 1800 007 007.

Depending on the issue, free external dispute resolution may also be available through the Australian Financial Complaints Authority (AFCA).

Using A OK Credit Repair is optional.

No guaranteed outcomes

Every matter is different. Outcomes depend on the facts, available evidence, the information recorded, the relevant credit provider or credit reporting body and the applicable regulatory requirements.

A OK Credit Repair does not guarantee:

• that a particular credit-file entry will be removed or corrected;
• that a credit score will increase by a particular amount or at all;
• that you will qualify for finance;
• that a particular borrowing amount or credit limit will become available;
• that you will receive a particular interest rate; or
• that a lender will make any particular lending decision.

What we do not provide

Unless separately authorised and expressly agreed, A OK Credit Repair does not provide:

• legal advice or legal representation;
• personal financial advice;
• mortgage or finance broking;
• recommendations to enter into a particular credit product; or
• guarantees concerning lending decisions or creditworthiness.

Where your circumstances require legal, financial, insolvency, restructuring or other specialist advice, you should consider obtaining advice from an appropriately qualified professional.

Information on this website

Information published on this website is provided for general information about credit reporting and A OK Credit Repair's services.

Website information is not legal advice, personal financial advice or advice about whether a particular credit product is suitable for you.

Credit-reporting requirements and laws can change, and general information may not apply in the same way to every person's circumstances.

We take reasonable care when preparing website information, but you should obtain advice appropriate to your circumstances where necessary.

Privacy

We collect and handle personal and credit-related information in accordance with our Privacy Policy and applicable privacy requirements.

Our Privacy Policy explains what information we may collect, how it may be used and disclosed, how it is protected, and how you can request access or correction or raise a privacy concern.

Complaints

Complaints about our regulated credit activities are covered by the internal dispute resolution process of our authorising credit licensee, Edward Griffith trading as Debt Management Services, Australian Credit Licence 533933.

If a complaint about our regulated credit activities is made to A OK Credit Repair, it will be recorded and referred to Debt Management Services for handling under that process. We will cooperate with the licensee and provide information reasonably required to investigate and resolve the complaint.

Our Complaints page explains how to make a complaint, how complaints are handled and how you may access the Australian Financial Complaints Authority.

Your legal rights

Nothing on this website, in our policies or in our agreements is intended to exclude, restrict or modify any consumer guarantee, legal right or remedy that cannot lawfully be excluded, restricted or modified.

Contact

Kaokab Marroun trading as A OK Credit Repair
ABN 32 672 842 318
Authorised Credit Representative CRN 580699
Phone: 0433 707 749
Email: kookie@aokcreditrepair.com.au
Website: www.aokcreditrepair.com.au