No Obligation Consultation – Our first step is to sit down with you for a no obligation consultation. We will discuss with you your needs and suggest some of our services that may be of benefit to you.

Review of your Finances – Should you decide to take advantage of our services, the next step is to introduce you to the credit repair expert that will manage your individual case. They will collect and review all of the relevant documentation required before taking the next steps.

Find and Fix Errors – These can be clerical or major errors in your report which we can utilise to remove those black marks from your credit report.

If absolutely necessary, Negotiate with relevant parties – Your credit repair expert can then negotiate with any relevant parties. This could be credit reporting agencies to remove inaccurate listings or it could be with lenders or providers to negotiate debt agreements on your behalf -reducing your repayments and securing your future. 

Secure your future – After this you can relax as much of your stress has been removed. You’re more in control of your finances and your credit score will start to improve.

It doesn’t matter how bad it is now. We can help you with your credit repair. Get in touch with one of our experts today for a no-obligation consultation.

In recent years, unfortunately there have been many Indian based companies porporting to provide credit repair services. 

Because Credit repair is an unregulated industry, ASIC’s Money Smart website recommends to avoid credit repair companies.  They say this because most cases that people need credit repair, are generally for minor things that they can fix themselves — like the example on the Money Smart Website. Where a woman incurrs a credit default of $170 due to the mobile phone company not updating their records & sending her bill to the correct address when she notified them of her change of address.

In cases like these, it’s going to be more cost efficient for you to chase it up.  We freely admit that. And if that sounds like you, go chase that up with the Telecommunications Industry Ombudsman.

However, most of the cases we see are more complex (or just look impossible to fix) — and we’re able to go over everything with a fine tooth comb to catch things like regulatory mistakes that a credit provider has made — even if it’s completely irrelevant — and use that to remove the credit default on your credit report.

In some cases, it’s impossible to remove a credit default from your credit report. 

This is only when all of the following apply;
a) You were responsible for the credit default, and
b) The credit default was lodged and recorded absolutely perfectly and accurately.
c) The credit provider did not make any regulatory mistakes in the lead up to the credit default. (This one is common, just look at the Banking Royal Commission!) (i.e. Failed to offer financial assistance when it was aware you needed it.)
d) We are unable to come to a favourable resolution with the credit provider on your behalf.

There is lots of leeway where we are able to catch out lenders often in their mistakes when filing a credit default on your credit report or in the way they treated you in the lead up to the issue. The credit defaults are filed by interns and administration staff, you’d be surprised how often a mistake slips under the cracks, and even worse, the mistakes made when providing credit happen because it’s a huge company — and we all know how often big companies make mistakes — especially regulatory ones.

Generally not, as we’ve written above our process first looks at the easiest ways to catch these lenders out in anything they’ve done wrong leading up to the credit default being listed against your credit file. You’d be surprised how often we manage to do this.

But sometimes those lenders cross all their t’s and dot all their i’s. So as a last resort we can begin negotiations to figure out how much you may need to pay them to get them to be happy enough to remove the black spot on your credit file. 

Kind of like a “I hope to never see you again” payment.