Our process
Four steps. No surprises.
A straightforward, transparent process from your first call through to resolution. You are kept informed at every stage.
- 01
Free assessment
We speak with you, review your credit report from Equifax, Experian and illion (and CreditorWatch for business listings), and tell you exactly what we can and can't help with. No cost, no obligation.
- 02
Investigation
For each listing we take on, we gather evidence and check whether the creditor and bureau have met their obligations under the Privacy Act 1988 and the Credit Reporting Code.
- 03
Dispute & negotiate
We lodge formal disputes with the listing party and the bureau, citing the specific obligations they must meet. Where correspondence is required, we handle it on your behalf.
- 04
Resolution
Where a listing is removed or corrected, you receive written confirmation. Where we don't succeed on a listing, you pay nothing for that listing — that is our no win, no fee promise.
How long does it take?
Most disputes are resolved within 30 – 90 days, though timeframes vary depending on the listing, the creditor and the complexity of the file. We will give you a realistic estimate at the assessment stage and keep you updated throughout.
Get started
A free, confidential assessment of your credit file.
We review your file, tell you what we can help with, and give you an honest plan — before you commit to anything.
No obligation · 100% confidential