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Don't be one of the estimated 1.8 million Aussies affected by bad credit.
It only takes 30 seconds to start repairing your credit.
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You may be one of the estimated 1.8 million Aussies affected by bad credit.
It only takes 30 seconds to start understanding your situation.
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We’ve helped more than 400,000 Aussies 
access and master their credit scores

We’ve helped more than 400,000 Aussies access and get control of 
their credit scores

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Even one missed payment could affect your credit score for 2 to 5 years
It doesn't matter if someone is a nice person or if they pay most of their bills on time. One simple slip up could reduce someones credit score and cost thousands. The worst part? This information can negatively affect someones credit score and credit report for up to 5 years!
Everyday things that can impact your credit score

Moving homes

Changing banks
or credit cards

Changing phone
 numbers

Changing email
 address

Changing jobs

Travelling overseas

Debt collector
 chasing payment

Unpaid tolls

Applying for 
 finance or credit

Forgetting to 
 pay a bill

What we can provide for you
  • Fast access to all 3 Credit Reports and Credit Scores
  • Credit Score and Credit Report comparison
  • A BONUS Financial Health Check
  • ​Specialised Solutions to reduce financial stress 
We have direct access to Equifax, Experian, illion (the three major databases that hold Credit Reports and Credit Scores in Australia). This is the same access that the banks have, but our access doesn't affect anyones Credit Score.
We make it easy to compare Credit Reports and Credit Scores between all of the different databases. This will help identify areas that you need to understand to reach your end goal. Our friendly and experienced team will explain the Credit Report and Credit Scores one-on-one. This is perfect for anyone who wants personalised help to reach their financial goals.

We're experts in this field, no one has more experience in Australia. That's probably why we've been able to help more than 400,000 people.

How it works

CONSULT

We’ll conduct a full
assessment of your 3 reports
Equifax, Experian and Illion

REVIEW

We’ll explain the details of your reports, including how your score works and what lenders see

INFORM

We’ll help you understand exactly which items are impacting your scores

CONTROL

Credit reporting is complicated, but we will help you avoid further credit issues

Here are some recent success stories

Lucas knew his bad credit rating meant that he’d struggle to get a home loan or car loan with his partner.

Mark was living overseas and found he had a credit card default that was holding him back. He knew nothing about credit scores.

Jessica rang her bank for a personal loan but they said no. Her bad credit rating was causing her stress.

What is a credit score and why is it important?
Like it or not, banks, lenders, phone companies and electricity providers share a persons financial information with each other. All of this information is held in a database known as a Credit Report.

Everyone who has ever applied for a loan, credit card, a lease, mobile phone contract or any other type of finance has a Credit Report. In this Credit Report there is a three or four digit number that banks use to approve a loan... this is your Credit Score.

For example and as a rule of thumb, if the Credit Score is above 950 (and the applicant meets all their other criteria) the loan is approved at the best rate, if it's below that then the loan will be declined or the lender will charge a higher interest rate.

The higher the credit score, the lower the interest rate.
Common creditors that we work with
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Who looks at a credit score or credit report anyway?
Surprisingly many businesses and organisations look at someone's Credit Score and Credit Report. They use it to find out what type of person they are providing services to.
In our 17 years experience, we've seen a wide range use of this data:
  • A new or current employer use it to see if they can trust people
  • ​Insurers use it determine how risky of a customer they might be
  • ​Landlords and real estate agents use it to determine if rent will be paid
  • ​Telco's use it to decide if they will offer a mobile phone or internet contract
  • ​Banks and lenders use it to decide if they'll approve a loan or how much interest to charge
Because of this, we think it's critical that everyone knows what's on their credit report before it's too late.
A bad credit score can have huge negative impacts.
A bad Credit Score or Credit Report can have significant impacts to someone’s financial health.
Just a small black mark can force people to:
  • Pay $100,000+ more in interest on a mortgage or other finance
  • ​Have loans, credit cards or phone contracts declined
  • Have to provide a guarantor or additional security for a loan
These affects can last for years and get people into a spiral that is hard to get out of.
But it's not all bad news...
In our experience, 70% of Australian Credit Reports have errors in the information listed. Thankfully everyone has the right to review the information on their Credit Score and Credit Report.  Stop the same mistakes from happening to you. Understand your credit report and get back in control.

At CRA, we help people to realise their financial dreams.
Don’t leave it until it’s too late...
it’s time to take action
It's easy to put this off. We get it, life can get in the way.

But this is something that could be costing people thousands of dollars right now.

It's important to get started and take action right away.
Here are some simple steps to get started:
  • Obtain a copy of your credit report and credit score
  • ​Claim a free financial health check
  • ​Learn what impacts a score and what you can do to avoid it
Why are we doing this?
Okay, we can hear the skepticism from here. Why are we going to all of this trouble to help people with a Credit Score and bonus financial health check?

There's two reasons. Firstly, we know what it's like to feel trapped by finances and credit. How it feels to have loans declined or a credit card rejects at the checkout. We want to help as many people as possible explore their options and their financial health. Also, after 19 years, we are actually really good at what we do. Just check out reviews.

If anyone takes advantage of our bonus financial health check and decides that our other awesome services aren’t for them then that’s totally fine.
No hard feelings.
Common questions about credit restoration
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Important Notice Before We Start

The first step is to see if our services are right for you:
- You're an Australian resident.
- You're between 18-65 years old.
- You or your partner have a regular income.
- You may need to borrow money or take control of your debt.
- You may have been declined for a loan or have trouble paying your debt.
And you understand that......

- We'll work with you fully understand your financial situation.
- We will help you understand your credit report and the areas for improvement.
- You may yourself without charge obtain a copy of your credit record and challenge any entry on your credit report.
- No one can guarantee that adverse credit notations can be removed from your credit report.
- We can only use our best endeavours to ensure that your credit record is true and correct.
- We will not provide you with any Insolvency services unless and until we've advised you that you may obtain help, free of charge, with credit and debt related problems from community based financial counsellors.
© Copyright 2022 Credit Repair Australia Pty Limited ACN: 103 959 502. All Rights Reserved. Conditions Apply.
203-209 Northumberland Street, Liverpool NSW 2170
Credit Repair Australia Pty Ltd is licensed with ASIC under the National Consumer Credit Protection Act 2009, Australian Credit Licence (ACL) Number 392319.
DR Administration is a Registered Debt Agreement Administrator, Registration Number 1146 with AFSA
*Past outcomes that others have experienced as a result of engaging us is not necessarily indicative of future results (as each case is different).
Loan approval subject to lender's credit criteria. 
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