Identity mix-ups & fraud
Listings on your file that belong to someone else, or that resulted from identity fraud, investigated and resolved with the relevant bureau.
Our services
Focused credit repair. No fluff.
A OK Credit Repair concentrates on the disputes we do best. Everything below is offered on a no win, no fee basis, and every enquiry starts with a free assessment.
Credit file listings we assess and dispute
Default removal
Paid and unpaid defaults on Equifax and Experian. We assess whether the listing was made in accordance with the Credit Reporting Code — including proper notice, correct amounts and correct dates.
Learn moreCourt judgements & writs
Civil judgements and enforcement records reviewed for procedural or compliance issues. Where a listing is inaccurate, out-of-date or unlawfully recorded, we lodge a formal dispute.
Learn moreLate payments (RHI)
Repayment History Information must be reported accurately. If information appears incorrect or has been improperly reported, we can assess whether there may be grounds for correction.
Learn moreCredit enquiries
Enquiries that appear unauthorised, duplicated, incorrectly attributed or otherwise improperly recorded are assessed and, where there are grounds, disputed.
Learn moreCommercial listings (CreditorWatch)
For sole traders and small business owners, we assess and dispute inaccurate commercial listings reported through CreditorWatch.
Learn moreImportant to know
Credit-reporting information may have grounds for correction or dispute where it is inaccurate, out-of-date, incomplete, irrelevant, misleading or otherwise improperly recorded. Valid, correctly reported debts remain your responsibility — but we can assess how they have been recorded. Defaults are the listing we are asked about most often; our default removal page explains when a default may be challenged or corrected.
We do not make guarantees about specific score changes. Outcomes depend on the facts of each case. A OK Credit Repair is a no win, no fee Australian credit repair service. We assess your file at no cost. Success fees are payable only when an agreed success stage is achieved, and fees and success criteria are agreed with you in writing before work begins.
Frequently asked questions about credit repair
- Is Credit Repair Legit in Australia? What's Legal and What Isn'tCredit repair is lawful and regulated in Australia. Here is what a legitimate provider can and cannot do, the warning signs of a bad operator, and the free options to try first.Read the article
- How Does Credit Repair Work in Australia?The credit repair process explained step by step: what is reviewed, what the rules require, how long it takes and what it costs.Read the article
- How to Repair Your Credit Score in Australia: A Step-by-Step GuidePractical steps you can take yourself to improve your credit position in Australia, and when a listing may be worth challenging.Read the article
- Free Credit Report Australia: How to Get YoursYou are entitled to free copies of your credit report. Here is where to get them and what to check when they arrive.Read the article
- Can Credit Repair Companies Remove Late Payments?What repayment history information is, when a late payment marker may be corrected, and what no provider can do.Read the article
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.
Request Free AssessmentContact us — phone, email and complaints
No obligation · Strictly confidential