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The industry of credit repair is highly specialised. In Australia this industry is unregulated, which means there is no industry code of practice or Government code of practice in place to protect consumers from shady operators. Therefore it is very important that you choose your credit repair company carefully or you could end up paying hundreds or  thousands of dollars and not have the result you are hoping for.

There is never a 100% guarantee on your default being removed, however your chances are far greater if you choose an experienced company with proven results such as We Fix Credit. We Fix credit is the longest running company that specialises in specifically credit repair in Australia and New Zealand. We stand by our removal strike rate of between 87-92% of the matters we take on board.

We are working to set a bench mark for a high standard of customer service and excellence to our industry in Australasia.

“Our promise to you is that we will work to achieve the best possible outcome for all of our clients so that you can get the loan you need sooner. “

DIY Credit Repair

Do It Yourself Credit Repair DIY

Article Date: September 18, 2011 3:41PM

Some situations can be easily avoided and action can be taken on one’s own to repair their credit file.

  • Dispute with the Reporting agencies  FIRST. Don’t first send disputes to the bank, collection agency or mortgage company. Always dispute your adverse listings with the reporting agencies before doing anything else.
  • Disputing items online. Never do this! You will not have any written records of your dispute (the return receipt). You will not be able to send documentation backing up your dispute. If you are disputing errors in your DOB or address, you have to send your request in writing any way.
  1. Failing to document your efforts. The reporting agencies must respond to you within 30 days.  If you don’t keep track of when the time is up, you are missing an important advantage. Keep track of when you send and receive letters. You should also make sure you send your disputes certified mail, or email to ensure the time and date of receipt is documented.
  • Being unrealistic. If your credit report is in bad shape, there isn’t a quick fix. Credit Repair takes time, usually up to 6-8 weeks . Patience is required to see results. If there is no clear contestable reason for the removal, you must be open to the possibility that the end outcome may be a denial of the removal.
  • Giving up. The process seems overwhelming at first, especially if you are new to the whole credit repair idea. Take one step at a time. You don’t have to do everything at once. Do things a few days or a week apart. Don’t spend more than an hour at a stretch doing anything.