Unlike traditional credit repair companies that can cost you thousands of dollars and only give you limited visibility as to what they are doing to help dispute your score, we will ensure that all actions are transparent right from the start.

Using Our ‘Score Up’ Service we will Empower You with The Knowledge to dispute your bills or Credit Report Score Directly With The Providers In Question Using The Legislation Governing Australia or we can do it on your behalf for a low standard fee.

Your credit report helps lenders understand your ability to pay for loans or credit cards. When you get a black mark on it, it may affect your chances of getting approved.

The first step we complete is a thorough review of your credit report.

You can obtain this yourself for free. You can order it from Experian, Equifax or Illion (formerly Dun & Bradstreet) by clicking on the links below-

• Illion
• Experian
• Equifax

Once we receive your Credit Report, we will review any of the following with you and potential outcomes that we may be able to achieve to increase your credit score.

Below is a list of what we would look at and a summary of what the Credit Report information means-

• Missed payments. Your credit report retains repayment history information from the past two years. This means that any missed payments on your mortgage, personal loans, or credit card accounts during the last two years will show up your credit report.
• Overdue accounts or payment defaults. Overdue amounts of $150 and above are recorded once they are 60 days overdue. Defaults can damage your credit report as they indicate your inability to make timely repayments. These listings remain on file for five years.
• Clearouts or serious credit infringements. These are overdue accounts or payment defaults where the credit provider has not been able to contact you. Clearouts and serious credit infringements stay on your report for seven years if they remain unpaid. If paid, these listings only remain on your report for five years and are defined as “payment defaults”.
• Writs and summons. This refers to if you’ve been summoned to court to settle a debt. They stay on record for five years.
• Court judgments. Court judgements including bankruptcies, personal insolvencies or debt agreements can stay on file for five years or longer. This depends on when the case is officially resolved. For instance, bankruptcy goes off record two years from your date of discharge or five years from your date of bankruptcy, whichever is later.
• Credit enquiries. Applications for any form of credit (including personal loans, mortgages and even utilities) can remain on your credit report for up to five years, regardless of whether they are approved. That’s why it’s important to check if you’re eligible before you apply for a line of credit. If your application is rejected, wait a few months before applying again.

There are no hidden costs, and you can avail of the following depending on your short term or long term goal:

• Option 1: One off consultation fee individual to your needs regardless of how many matters we dispute on your behalf. You will be cc’d into emails if you choose to be. *Terms and Conditions Apply
• Option 2: 12-month Subscription plan which allows you dispute up to 3 matters per month for $99.00 per month similar to a Gym membership. You will be cc’d into emails if you choose to be. *Terms and Conditions Apply
• Options 3: Do it yourself! One-off low fee and we will guide you every step of the way as to what you need to do for written correspondence or when you are speaking to parties over the phone. Individual service guarantee! *Terms and conditions apply