Achieve financial freedom with credit repair
Clean Credit Pty Ltd is one of Australia's leading credit repair specialists. Trusted and well established, our goal is to wipe your slate clean to put you back in control of your finances. Repair credit within as little as 30 days and get loan approval again, on your terms.
Get Help With Your Credit File In Seconds
NO effect on your credit file
Let’s get your credit score on track
Clean Credit removes incorrectly listed or unlawful defaults, court judgments, and black marks from your credit file. We provide credit repair solutions so that you can regain financial flexibility. Our priority is to improve your credit score and so you may get the loans you need, when you need them.
Take control of your finances today with credit file repair!
Have you had a recent loan application denied? Is your credit history impaired with defaults, late payments, black marks or court judgments? The good news is that you may be able to repair your credit history with Clean Credit. We have helped thousands of Australians improve their credit scores. Our experienced and understanding team of credit repair specialists can quickly analyse your current credit situation and provide an individually tailored solution.
We understand that your credit history is in the past and may not accurately reflect your ability to pay back the finance. At Clean Credit, we want to give you the best chance possible of get finance approved. We feel that a default,court judgmentorblack mark should not stop you from getting the finance you may need right now or in the future. Talk to us about repairing your credit score. Take a positive step towards financial freedom. Speak to a specialist and receive credit repair assistance.
Enquire now
Ask us how this works
*see our full terms and conditions for details.
Our credit repair success rate isover 90%!
Success rate valid from 1 July 2020
Telcos
Success rate of removals87%
Utilities
Success rate of removals95%
Bank records
Success rate of removals98%
Court judgments
Success rate of removals84%
Repair Credit Here
Benefits of credit repair
Learn about us
Avoid a bad credit score
Understand your credit score
Repair credit and take financial control
Clean Credit can help to remove...
Defaults
Defaults are essentially late payments listed on your credit history. These can have an adverse effect on loan applications. We work to remove negative listings, to improve your credit rating.
Credit enquiries
Each time you apply for a loan, a credit enquiry is placed on your credit file. This alerts future lenders that you have applied for credit. Making multiple enquiries can look like you have attempted to borrow more than you can afford.
Court judgments
A court judgment on your credit file can indicate high risk to potential lenders and shows you were not able to repay your credit provider or come to an agreement without formal legal action.
Black marks
Black marks on your file range from credit defaults to applications and a range of activities that imply a credit risk. We can help to remove these. You are more likely to get finance with a clear credit report.
If you are suffering from defaults, credit enquiries, court judgments or black marks then credit repair may offer a great solution. Many creditors incorrectly place negative events on your credit file. Through the process of credit repair, these negative listings can, in a number of instances, be contested and successfully removed.
The credit repair process is much easier than many people think. While negative credit listings can remain on your file for many years, sometimes credit repair can wipe your record clean within as few as 30 days. Bad credit holds back thousands of Australians from getting loan approval every year. If you are able to fix your credit rating through a credit repair service then you’ll be able to apply for finance again with confidence.
With a clear credit history, you can take advantage of lower interest rates, more flexible loan terms, higher credit limits and greater control over your finances. If you are wondering why you should fix your credit rating then click here. Credit repair is the opportunity to get your personal finances back on track so you can confidently apply for finance when you need it.
Enquire now
Australians choose Clean Credit for genuine credit repair
We get great results
Good business means great service and results. Our credit repair specialists will get to know your credit situation. The Clean Credit team are authentic, compassionate and very experienced in credit file repair.
Collaboration
We work closely with credit reporting bodies such as Equifax, Illion, and Experian to effectively repair your credit rating, so you are able to obtain finance if you need it.
Trusted in credit repair
As a trusted credit repair company, we are confident that we can improve your credit score. That’s why our removal fee is only charged if we are successful in providing you with a clear credit file.
Genuine and transparent
Our caring team of credit repair specialists are honest, genuine and transparent. We’ll let you know how we can help fix bad credit and what steps to take to repair your credit file.
Enquire now
Credit Repair frequently asked questions
We are here for Australians in this time, as much as ever, to get your credit rating in the best possible shape. Our hours and service have not changed. Remember, we are all in this together.
As far as our day to day operations, our specialised credit repair team, for the health and wellbeing of staff and the community, have work stations at the office and in their homes, so we can be available however the current health crisis requires us to work. If working from home, the team are connected to our secure, central server which is located in our head office. Your information is always stored safely and securely on this protected server.
Each Clean Credit team member is equipped with a workstation and telephone in their home, just as they would in the main office so that they are able to attend to your credit file during this current health and financial crisis.
If you are having issues with getting loan or finance approved, we strongly recommend reaching out so we can assess the possibility of repairing your credit file.
Having a high credit score gives you a lot more credit and finance options, generally with lower interest rates. This is especially important when you don’t know what is around the corner. Australians are in uncharted waters with the current COVID-19 / coronavirus pandemic and each day the news is different. As we navigate through these difficult times, we are doing all we can to help our customers improve their credit score and remove incorrect or unlawful listings.
Credit repair is the process of analysing listings and fixing incorrect listings on an individual’s credit report to improve that person’s credit score. This can be accomplished through removing or changing adverse listings from the individual’s file that have been incorrectly placed. With a better score, you are a more attractive candidate for lenders and more likely to be approved for a loan or finance.
During times of financial uncertainty, such as the current COVID19 pandemic, it is very important to get and keep your credit rating in good order. If you need to borrow to get you and your family through tough times ahead, a good credit history will mean that you have more financial options with credit file repair.
The last thing you need during a crisis is a poor track record, which would limit your ability to apply for finance when you need it most.
Paying an overdue account will not remove the default. Once a listing is made it will be recorded on your file for years. Even if you pay the debt, the listing will remain on your file. While it is important to keep track of any debt, from a rating perspective the issue is not always resolved once the debt is paid.
A default payment will stay on your file for 5 years. This default will remain on your credit file if your payment of $150 or more is overdue by 60 days or more.
Generally speaking, paying or settling a default won’t remove that default, but your file should be updated to reflect the fact that you have paid it.
If you have a default on your credit file and it wasn’t lawfully placed, it is important to remedy this before applying for a loan or finance. This way, you can apply with higher confidence and may also incur lower interest rates.
Court judgments and credit enquiries will remain on your credit file for 5 years.
Court writs and summons stay on your credit file for 4 years.
Bankruptcy, Part 9 Debt Agreements, and Clearouts are kept on your credit file for 7 years.
External administration and previous directorships remain for 10 years.
Defaults we can help remove
Get credit repair help now!
Real client testimonials
Read our Trustpilot reviews
"Tamara was such a great help when trying to get my default removed, she really worked hard for me to solve this solution with the company. She was able to do this is such a short period of time too!I just want to let her know how greatful I am, she has no idea how much this means to me and my future. Would definitely recommend her!"
Amy MOctober 23, 2017
"I very highly recommend Clean Credit! After struggling for years to get a default removed from my credit file I investigated my options and found Clean Credit. I never thought anyone would be able to get my default removed and if so I thought it would take years as it had to go through the courts and numerous companies involved. I was very hesitant as it was going to cost me a fair bit of money and I wasn't even sure if they would be able to get the default sorted for me but can say today that they are the absolute best. I dealt with Lachlan Auer who from the very get go told me the exact procedure, gave me all my options, was extremely honest with me and helped me make an informed decision without pressuring me at all..." (continued on next slide)
MarikeOctober 30, 2017
(from previous slide)"...Lachlan kept me update throughout the whole process without me having to follow up even once and when I did want some extra in-between confirmations/updates he was very efficient in getting back to me with the required information. My default was removed in just over a month and every step was an absolute pleasure, even when my default was finally completely removed Lachlan phoned me to inform me of this and to in detail explain to me about me credit score and how I can better it going forward, what to avoid and how to make decisions which will best impact my credit file. Not only will I recommend Clean Credit but I VERY highly recommend asking for Lachlan when calling, he is through and through a professional who knows what he is doing and will make sure your case gets handled in the best way possible."
MarikeOctober 30, 2017
I wanted to take the time to properly thank the team at Clean Credit and especially Ms. Tamara Al Naeb, who has been nothing short of exceptional and whom I cannot recommend highly enough. I was involved in a messy credit dispute, and to her immense credit Tamara didn't judge but listened to my situation, provided unbiased and sound professional advice and only then asked if I wanted to proceed. I work within the finance industry, & was dubious of the potential to assist with my circ*mstances, but due to the excellent service from Tamara I elected to engage her services. Tamara's role in the negotiations was crucial & I am happy to report that post payment of funds the default was removed from my file and my credit score restored. I simply cannot thank her enough for her professionalism, diligent behaviour and tenacious attitude. If you have a credit problem and are willing to work with her, I cannot think of a better person to have on your side.
K. AlbrightNovember 20, 2017
"Couldn’t be more pleased with the service! Just when I thought I couldn’t get the default removed clean credit came through. I’m now free to move on. Big thanks to Lachlan and Tamara cannot thank you enough".
JaredJanuary 15, 2018
"Lachlan was great! He worked quickly and kept me up to date! I will definitely be recommending Lachlan and the team at Clean Credit to my friends and family."
Jade TJanuary 18, 2018
"I would like to pass on a huge thank you and appreciation to Tamara for her persistence and support through this frustrating time... After an incorrect placement of a default that I wasn't aware about until I got denied a home loan because of it. I exhausting all avenues to fight it myself and hesitantly decided to hire Clean Credit to fight on my behalf. After a few months of Back and forth with supplying evidence and million phone calls, we've managed to get it removed! Thanks again Tamara, you wizard!"
Dan DWJanuary 18, 2018
"From day one this man gave me 100%. Never did he not pick up The phone to help me. Also there to help me and didn’t ever not do what he said that he was going to do. I would use them Again 100%. Thank you for all You Help. Carmela"
CarmelaFebruary 01, 2018
"Lachlan assisted me in clearing a bad credit rating in little over a week! He was polite, helpful and experienced when dealing with creditors and disputes with outstanding monies. I cant recommend him enough and am extremely grateful for his expertise and prompt service dealing with my rating issue. I was on a strict timeline and he came in with an excellent result well within my required date. Thank you Lachlan! Emm"
Emma FFebruary 12, 2018
"I would really like to take the opportunity to thank Clean credit and especially Jamil S for his great work. His really good at focusing on what customers need and require. You have a real instinct to understand us customers. Good work! Also You have the natural ability to understand and feel what I was experiencing, and you were able to meet my needs effectively. Well Done! My advise for anyone who needs to remove a default just contact Clean credit and ask for Jamil. Honestly I’m still shocked how he succeeded to resolve two defaults in less than two weeks time.. I can’t thank enough guys as I have been waiting for for this moment.. once again thank u cleancreit and big thanks..."
Bilal BMarch 02, 2018
"Extremely professional service from my case manager who pursued many different options before honing in on a solution. I will be recommending this service to my friends and family and want to thank Jamil again for his hard work on my file."
Carter CApril 23, 2018
"Lachlan was very thorough in every thing he did by checking other credit agencies for the default listing as well. He kept us up to date at every chance and we were never wondering what was happening. Great results also!! "
Scott BMay 11, 2018
"I would like to say a HUGE THANK YOU to the team at clean credit, Tamara and Jamil you have been amazing, you guys have been so professional right from the start! This result is life changing for my family."
Kathryn PFebruary 12, 2018
"Lachlan was very thorough in every thing he did by checking other credit agencies for the default listing as well. He kept us up to date at every chance and we were never wondering what was happening. Great results also!! "
Scott B May 11, 2018
"After receiving two court judgements against me because of going through divorce, I thought I needed to do something to clear my record. After hearing clean credit advertisem*nts on radio several times I got up the courage to call. The whole process has taken a while due to the complexity of the case. But my consultant was amazing. Constant communication and fast responses to emails, wonderful friendly but professional personality, made the whole process so much easier. Now with a clean credit I have applied for a home loan and my life is normal again. Thanks Clean Credit and most importantly thank you Lachlan on making me feel free again."
Jamie MMay 21, 2018
"I contacted clean credit had only been able to correspond via email as work hours conflicted with trading hours i expliad my situation and Lachlan from clean credit replyed with a positive solution and attitude over then next few weeks he had contacted me agian via email as well as text and kept me updated with progress as i had 4 defaults im now debt free and have a clean credit file ! Super happy :)"
Matthew JJune 15, 2018
"I have just recently had 2 defaults removed from my credit file thanks to clean credit. The man (Lachlan Auer) who dealt with my case was awesome. He kept in contact frequently with updates through the whole process which kept me sane as it was a stressful time in my life!! highly recommended!! Thanks again peeps!! "
Jovan BJune 16, 2018
"Lachlan helped me with removing a black dot of my credit report he was easy to talk to and to explain all steps that we would go through. And he was also was very efficient and I didn’t have to wait at all. Thankyou so much greatly appreciated"
Sheree DJune 18, 2018
Previous
Next
Testimonials are 100% genuine, however the images of the clients are models for confidentiality and illustrative purposes.
Credit repair & credit rating check in Australia
Clean Credit is a trusted and transparent credit repair company based in Australia. Through our compassionate team of credit repair specialists, we have helped many Australians to fix bad credit rating and improve their credit score. If you have been rejected for a loan or want to improve your credit score, call Clean Credit today for a credit repair consultation. Our goal is to help you restore your credit history, through trusted and proven strategies. Enquire below to receive credit file repair and get loans and credit cards approved again.
Enquire now
Learn about credit repair on the Clean Credit blog
Credit File & Report
How to Take Advantage of Comprehensive Credit Reporting
Looking to build up your credit rating? Positive actions are now taken into account! Learn how to take advantage of comprehensive credit reporting here.
Read More
The Top 5 Best Bargain Areas to Rent in Sydney
The property market in Sydney is booming, which has pushed rental prices through the roof. Find the top 5 best bargain areas to rent in Sydney here!
Read More
Uncategorised
What is cosmetic dentistry?
Looking to improve your smile? Got cracked, crooked, missing or discoloured teeth? From veneers to Invisalign, learn what is cosmetic dentistry here.
Read More
Credit Providers
What Are Credit Providers?
Learn what are credit providers, what are the different types and how they can impact you. Read our blog and find answers to your financial questions!
Read More
Credit Cards
The 5 Biggest Credit Card Mistakes
To avoid finding yourself in trouble, borrowing money requires strong willpower and a cautious spending habit. Learn the 5 biggest credit card mistakes here.
Read More
