Our fees
Our fees & costs, only paid on results.
A OK Credit Repair charges no upfront service fee and no monthly subscriptions. The credit file assessment is free, default removal starts at $1,200, and success fees are payable only when an agreed success stage is achieved.
At a glance
What credit repair costs with A OK Credit Repair
Credit file assessment
$0
Free, no obligation
Default removal
From $1,200
Starting fee — increases with complexity
Upfront service fee
None
Nothing payable to begin
Monthly subscription
None
No retainers, no ongoing charges
Default removal fees start at $1,200 and increase with the complexity of the matter. This is a starting point for reference only, not a quote — your exact fee is confirmed in writing after your free assessment and before any fee-bearing work begins. Read more about default removal.
Fees explained
When each fee falls due
A OK Credit Repair does not charge an upfront service fee. The success fee and what counts as success are agreed with you in writing before work begins, and the fee is ordinarily split across two success stages.
Typical fee timeline
About 8 to 10 weeks end to end
- Stage oneNo fee due
Week 0
Free credit file assessment
We review your credit file and tell you in writing what we believe can and can't be challenged.
- Stage twoNo fee due
Week 0–1
Agreement signed, work begins
Fees and success criteria are agreed in writing first. Nothing is payable at this point.
- Stage threeNo fee due
Week 1–3
Documents requested and reviewed
We request and review the critical documents relating to your case from lenders and other relevant parties.
- Stage fourNo fee due
Week 3–6
Argument finalised, negotiation begins
We finalise our argument and negotiate for removal or correction on your behalf, keeping you updated throughout.
- Stage five50% fee due
Week 6–7
Lender confirms removal in writing
The first half of the agreed success fee becomes payable once written agreement to remove or correct the listing is received.
- Stage six50% fee due
Week 8–10
Updated credit file provided to you
The remaining half becomes payable when we provide your updated credit file confirming the removal or correction.
Timings are typical and approximate only — every file is different. The first 4–6 weeks are ordinarily unpaid work. Once a removal agreement is reached there is usually a further 2–4 weeks while the credit reporting body updates the file. If a success stage is not achieved, the fee for that stage is not payable.
What affects the price
Why fees start at $1,200 rather than sitting at a flat rate
How many listings are involved
Each listing is assessed and disputed on its own merits, so a file with several defaults takes more work than a single listing.
Age of the listing
Older listings often require more document tracing, and the records held by the credit provider may be harder to obtain.
Whether the credit provider has already been contacted
If a dispute has already been raised and refused, the matter usually needs a more detailed argument to progress.
Hardship and dispute history
Matters involving financial hardship arrangements, disputed debts or personal circumstances require additional documentation and correspondence.
Multiple credit reporting bodies
Where the same listing appears with more than one credit reporting body, each has to be dealt with separately.
Commercial versus consumer listings
Commercial listings, including those affecting sole traders and small business owners, are governed by different rules and take a different approach.
Step 1
Credit file assessment
A full review of your credit file with a written summary of what we can help with and what we can't.
- Full credit file review across Equifax and Experian
- Written summary of what is disputable — and what isn't
- All dispute correspondence handled on your behalf
- Regular updates as disputes progress
- Written confirmation when a listing is removed or corrected
Step 2
No win, no fee
Once you approve a proposed course of action, we work on a strict per-listing basis. Success fees are payable only when an agreed success stage is achieved.
Default removal
From $1,200
A starting fee that increases with the complexity of the matter. Exact fees are confirmed in writing after your free assessment, so you know the cost before you agree to proceed.
Fees and success criteria are clearly explained and agreed with you in writing before any fee-bearing work begins.
About our default removal service- No upfront service fee
- No monthly retainers or subscriptions
- Nothing payable if an agreed success stage is not achieved
- Every fee agreed in writing before any fee-bearing work begins
Fees FAQ
Common questions about credit repair fees in Australia
- How much does credit repair cost in Australia?
- Credit repair fees in Australia vary by provider and by the complexity of the file. At A OK Credit Repair the credit file assessment is free, and default removal fees start at $1,200. More complex matters cost more, and the exact fee is confirmed in writing after your free assessment and before any fee-bearing work begins.
- How much does it cost to remove a default?
- Default removal fees start at $1,200. That is a starting point, not a quote — the final fee depends on the number of listings, the age of the listing, the credit provider involved and how much documentation the matter requires. You receive the exact figure in writing before you decide whether to proceed.
- Are there any upfront fees?
- No. A OK Credit Repair charges no upfront service fee and no monthly subscription. The assessment is free and success fees only become payable once an agreed success stage is achieved.
- What does no win, no fee actually mean here?
- It means the success fee is tied to agreed success stages. The first 50% becomes payable when the credit provider or credit reporting body confirms in writing that the agreed removal or correction will be made. The remaining 50% becomes payable when we provide your updated credit file confirming it. If a success stage is not achieved, the fee for that stage is not payable.
- What happens if the listing isn't removed?
- If we do not achieve an agreed success stage, the fee for that stage is not payable. A OK Credit Repair 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.
- Could I do this myself for free instead?
- Yes. You can request your credit report free of charge and ask the credit provider or credit reporting body 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 through the National Debt Helpline on 1800 007 007. Our service is optional and paid, for people who would rather have it handled for them.
Have a question that isn't answered here? Read our full credit repair FAQ or send us an enquiry.
Before you engage us
You are not required to use a paid credit repair service. You can contact the relevant credit provider or credit reporting body directly and ask them to investigate or correct information at no charge, and free financial counselling is available through the National Debt Helpline on 1800 007 007.
A paid credit repair service may not be appropriate where paying the fees would cause or worsen financial hardship.
A OK Credit Repair cannot guarantee the removal or correction of a particular listing, a particular credit-score increase, that your entire credit file will become clear, finance approval, a particular borrowing amount or a particular interest rate.
A note on results
Outcomes depend on the specific facts of each credit file. Past outcomes achieved for other clients are not necessarily indicative of future results. We will only agree to dispute a listing where there is a genuine, lawful basis to do so.
Get started
A free, confidential assessment of your credit file.
A OK Credit Repair reviews your file, tells you what we can help with, and gives you an honest plan — before you commit to anything.
No obligation · Strictly confidential