Wipe your credit file

Apply today! Apply Now! Achieve financial freedom with credit repair. Clean Credit Pty Ltd is one of Australia's leading credit repair companies. Trusted and well established, our goal is to wipe your slate clean to put you back in control of your finances.

Repair credit and get loan approval again, on your terms. OK We provide credit repair solutions How can we help? Credit repair View my credit file Speak to an expert What is your goal after credit repair? NO effect on your credit file. Take control of your finances today with credit file repair! Apply for finance again with credit repair. Enquire now. Ask us how this works. Success rate valid from 1 July Repair Credit Here.

Benefits of credit repair. Learn about us. View your credit file. 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. Credit enquiries Each time you apply for a loan, a credit enquiry is placed on your credit file. 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.

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. 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.

Australians choose Clean Credit for genuine credit repair. We get great results Good business means great service and results. 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. Genuine and transparent Our caring team of credit repair specialists are honest, genuine and transparent.

Credit Repair frequently asked questions. What is credit repair and why do I need it now? Will paying my overdue account or bill remove the default? How long does a default stay on my credit file? How long is information stored on my credit file? 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. 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! 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 You can also contact the company that provided the information to the bureau in the first place, such as a bank or credit card issuer.

Once it receives a dispute, a lender is also required to investigate and respond to all disputes that might impact your score. Remember to include as much documentation as possible to support your claim. It's also helpful to include a copy of your report marking the error. The address you should mail the letter to is usually listed on your report, under the negative item you'd like to dispute. You can also contact the lender directly to verify the mailing address and the documents you should include.

If the lender finds that it was mistaken or cannot prove that the debt actually belongs to you, it will notify the bureau and ask it to update your file. Reporting agencies and lenders usually take around 30 days to investigate disputes. Once they make a decision, they must notify you within five days of completing their review.

The notice will inform you if the disputed item was found to be inaccurate or not. If the disputed information was, in fact, inaccurate, the bureau must update or delete the item. They should include a free copy of your file if the dispute results in a change.

If the bureau or lender considers the disputed information isn't a mistake, you can file an additional claim. Review your initial claim for any errors and correct those. If possible, you should include additional documents to support your request as this can help the bureau evaluate any data it might have missed the first time around.

Disputing errors can be a time-consuming process, especially if your history has several mistakes or if you were a victim of identity theft. Reputable credit repair companies — such as Credit Saint , Lexington Law or Sky Blue — may be viable solutions if your file is riddled with inaccuracies.

Credit repair services can help you dispute inaccurate negative information and handle creditor negotiations. However, if you decide to hire a credit repair agency, bear in mind that there are consumer protection laws regulating how they operate and what they can do. For example, any company that promises to remove accurate negative items or create a new credit identity for you is most likely engaging in illegal practices or a scam.

Accurate items in your record can't be disputed or removed before the term set by law seven years for most negative items. For example, if you missed payments on your credit card or defaulted on a student loan, your dispute request will be denied. Writing a goodwill letter can be a viable option for people who are otherwise in good standing with creditors.

While there's no guarantee that the creditor will delete the derogatory information, this strategy does get results for some. Goodwill letters are most successful for one-off problems, such as a single missed payment.

However, they are not effective for debtors with a history of late payments, defaults or collections. Several non-profit credit counseling organizations, like the National Foundation for Credit Counseling NFCC , can help dispute inaccurate information on your record. The NFCC can provide financial counseling, help review your credit history, help you create a budget and even a debt management plan free of charge.

It also offers counseling for homeownership, bankruptcy and foreclosure prevention. When looking for a legitimate credit counselor, the FTC advises consumers to check if they have any complaints with:.

Pay-for-delete is a negotiation strategy in which you offer to pay your debt partly or in full in exchange for the collection agency to remove the derogatory item from your file. Since collection agencies want to get back as much money as possible, paying the debt may be enough incentive for them to remove the negative entry. However, pay-for-delete is not a dependable solution, and it falls in a legal gray area. Collection agencies are required by law to report accurate information, just like reporting companies and creditors.

While you can certainly request it, a collection agency has the right to refuse your request. They may agree to label the collection as paid — which is what happened — but they won't delete the collection entry itself. Also, note that pay-for-delete agreements might not improve your score. However, bear in mind that unpaid collections will still impact your score. While the following methods can be tempting options when trying to repair your credit, they can often cause more harm than good.

Stay away from the following:. In fact, it can lower your credit score by increasing your debt-to-credit ratio, also known as credit utilization percentage.

This ratio represents the amount of credit you're currently using divided by the total amount of credit you have available. If you close one of your credit cards instead of paying it, you'll have less available credit.

Creditors evaluate your debt-to-credit ratio when you apply for new cards or loans. If your ratio is over that threshold, they might classify you as a high-risk borrower, offer you less attractive interest rates or even deny you credit altogether. Bankruptcy should be considered a last resort — it can seriously damage your score and hinder your ability to get loans, mortgages or credit for years after your debts are discharged. There are two types of bankruptcies available for individuals: Chapter 7 and Chapter A third type, Chapter 11, is meant for businesses.

Under a Chapter 7 bankruptcy filing, a court mandates the liquidation of your assets in order to pay your outstanding debt. Filing for bankruptcy can lower your score by around points or more. It will also negatively impact your chances of getting new lines of credit or loans for several years until your credit history substantially improves.

If you file for Chapter 7 bankruptcy, the derogatory mark will remain on record for up to 10 years; for Chapter 13, it's seven years. According to the Consumer Financial Protection Bureau, these are the most common errors consumers find on their credit history:. If the errors are not successfully challenged and are not fixed, then you can hire a qualified consumer protection attorney and sue the credit reporting agency or agencies and the creditors that are harming your credit history.

Victims of identity theft find this to be the most helpful way to rehabilitate their credit. The truth is that credit repair services are often just scams.

They will claim they can fix your credit, but unless there is inaccurate information on your credit report, they can't do what they promise. Information on your credit report may be negative, but this is not the same thing as being inaccurate. In return, you may agree to pay the company for helping to delete the information in your credit file.

Once the creditor responds and states that the debt is being reported accurately, the credit repair company will be long gone. One of the biggest tip-offs that a company is a scam is if they require large upfront fees and pay themselves first before they deal with your creditors. Now you have late payments and collection agencies to deal with.

As a result, your credit score will be even lower and your credit worse than before you paid the credit repair service company to help you. The CROA requires credit repair services to disclose information to consumers.

It also prohibits companies from taking your money upfront before they provide their services. Unfortunately, credit repair companies sometimes pop up and disappear before the FTC can stop them from scamming consumers seeking debt relief help. As you pay your creditors, you build your credit history and credit score over time. Your credit report and your credit score take work to maintain. There is no magic pill for addressing bad or negative information on your credit report that creditors have accurately reported.

Protect your credit by checking your credit reports regularly for inaccurate information or evidence of identity theft. You can also sign up for a credit monitoring service.

If you do find inaccurate information on your credit report, dispute it. The process for disputing any inaccurate information is free and the instructions are included in your credit report.

The Upsolve Team. Upsolve is fortunate to have a remarkable team of bankruptcy attorneys, as well as finance and consumer rights professionals, as contributing writers to help us keep our content up to date, informative, and helpful to everyone. Attorney Andrea Wimmer. Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor.

While in private practice, Andrea handled Take our screener to see if Upsolve is right for you. Upsolve is a c 3 nonprofit that started in Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U. To learn more, read why we started Upsolve in , our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.

Free Articles. Bankruptcy Tool. Filing Guide.