We Help Everyday Aussies To Manage Debt, Fix Bad Credit & Achieve Financial Freedom.

  • Stop debt collector calls
  • Repair and improve your credit score
  • Stop interest and fees piling up
  • Achieve single regular affordable payments
  • Tailored strategy to become debt free
  • No result, no fee guarantee.
Get Your Free Credit and Debt Assessment Now

How Can We Help You?

I Need Help Fixing my Credit Score

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I Need Help Managing Debt

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I Need Help with Bankruptcy

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Our Mission

To help you take control of debt and achieve financial freedom

Getting into debt can happen to anyone, all it takes is a few missed payments and before you know it, you can find yourself overwhelmed by debt, your credit score destroyed, and the stress starts to take control of all aspects of your life.

Asking for help is the hardest part. It’s easy to feel embarrassed, but we’ve helped 100s of customers over the past ten years to become debt free and we can help you too.

Everything starts with a discreet and confidential risk free Credit Assessment to identify your credit woes. Once we understand your personal situation, we will tailor a strategy for improving credit, reducing debt and managing any repayments.

This credit assessment process costs you absolutely nothing, you are under no obligation to move ahead with our recommendations. Whether or not you come on board with us, you will learn valuable insights into your credit situation.

What do you have to lose? Let’s chat, we promise you it’s the first step towards taking back control of your financial situation.

How We Can Help

Can We Help You? The Answer is YES if You Want To...

Repair and improve your credit score

We can help you improve your credit score. Your credit score impacts your ability to be approved for things like mobile phone accounts, credit cards, vehicle finance, personal loans and mortgages.

Stop Debt Collector Calls

We can help you to stop the barrage of debt collection calls quickly. You’ll reduce your stress and no longer need to worry every time your phone rings.

Reduce your Debt by up to 90%

We can help you reduce your debt by up to 90%, the remaining balance turned into a low affordable regular payment without interest and without impacting your credit score.

Make a single regular affordable payment

We can help to simplify your repayments. We negotiate with creditors to accept a plan so you can repay an amount over a set period of time that you can reasonably afford.

Receive Bankruptcy assistance

Sometimes bankruptcy is the best option for your long term financial freedom. We can help you explore what options work best for your unique situation. If Bankruptcy is the option you choose, we have the team to ensure it's as stress free and has minimal impact upon your day to day life as possible.

Become Debt Free

After our assessment, you'll know exactly what your options are to set you on your way to financial freedom.

How It Works

Becoming Financially Free Is Easier Than You Think

Step 1: Identify

Asking for help is the hardest part. Which is why you get a personal debt and credit solution expert to confidentially review your unique situation and work with you every step of the way

Step 2: Plan

We then work with you, providing options for improving your credit, reducing debt and managing any repayments

Step 3: Repair

We can then assist with your chosen options each step of the way, implementing your unique credit and debt solution strategy

Step 4: Monitor

We offer an on-going service to continue to monitor your credit situation, regularly reviewing any changes to your credit score and identifying potential problems before they affect your financial well-being.

Why Choose Us

  • Direct contact with your personal debt solution and credit expert.
  • Regular communication (weekly updates with your 1 point of contact).
  • Family owned & operated (your success is key to our reputation).
  • Operated for over 10+ Years.
  • We genuinely care & love what we do.
  • Discreet service with full confidentiality.
  • We tailor to your needs rather than push our own agendas.
  • No result, no fee guarantee.
Get Your Free Credit and Debt Assessment Now

Associations & Affiliates

Case Studies & Results

How We Helped JK To Become Debt Free In 24 Months

J.K. is a single mother, recently separated from her partner. Due to her partners bad credit score, they had been unable to obtain finance, and during their relationship J.K. had the loans, credit cards, and car finance all in her name. After they separated her partner refused to take any responsibility for the loans. Unfortunately, the debts became too much for her and it wasn’t long before the debt collectors started calling, and the financial stress became unbearable.

How we helped:

  • We immediately made the debt collector calls stop.
  • We assessed her financial situation, and helped her to put together an achievable budget that worked for her.
  • Negotiated a payment plan with J.K.’s creditors to pay back cents in the dollar.
  • Within 24 months J.K. was debt free.

By working with Fix Bad Credit, J.K. freed herself from the financial noose around her neck that was strangling the life from her. She is now saving for a deposit and looking to buy her own house, for her and her child.

How We Helped Jeff M To Remove Defaults & Secure Finance

When Jeff M. came to Fix Bad Credit he had three defaults on his credit report, two with banks and one with a utility company (Electricity provider). Jeff M. is a Painter, and works as a self-employed sole trader. When these three defaults occurred, Jeff M. had not been paid by a builder for a job he had completed 4 months earlier. This had impacted his cash flow, and his ability to pay his bills. Unfortunately, these defaults had a disastrous effect on his credit report, lowering his previously healthy credit score to 412.

How we helped:

  • We negotiated with all three credit providers and arranged for the three default listings to be removed
  • This had the immediate effect of increasing Jeff M’s credit score by 395 points to 807.
  • With a clean credit report and an increased credit score

After working with Fix Bad Credit Jeff M was now able to secure finance for his business.

Why Customers Love

Fix Bad Credit

Frequently Asked Questions

  • Can I really become debt free?
    Our experienced team have been helping Australians get out of debt for over 10 years. No matter your unique situation, we have a solution to help you achieve a debt free life.
  • Does it cost to check my credit score?
    No, you can request a free copy of your personal credit report online from the three Credit Reporting Agencies.
    • Equifax (previously known as Veda).
    • Experian Australia
    • Illion (formerly trading as Dun & Bradstreet Australia)
    Alternatively, you can contact us, and we can order your credit reports on your behalf, at no cost.
  • How can Fix Bad Credit help me with my debt?
    Fix Bad Credit’s mission is to help you take control of your debt and achieve financial freedom. We will undertake a free confidential assessment of your current finances, taking the time to fully understand your unique financial situation to tailor the best debt solution options to meet your needs. We provide you with as much information as possible upfront, so you can make an informed and confident decision about the debt solution that’s best for your particular circumstances and budget. We then deal directly with your creditors, you only deal with the same friendly credit and debt solution expert that you have since day 1. We take care of the pain, so you can get on with living.
  • How do I stop the debt collector calling me?
    Working with Fix Bad Credit, our legal team will contact your creditors, and stop those annoying phone calls, once and for all. Your stress will be less and you’ll no longer need to worry every time your phone rings.
  • How much of my debt will I need to pay back?
    Fix Bad Credit has a proud history of helping our members reduce the debt they need to repay by 40% - 90% of what they owed before contacting us. Every situation is different, but the sooner you reach out, the sooner we can assess your particular situation and provide the best debt solution options available to meet your particular circumstances and budget.

Take Control of Your Debt and Start Living Financially Free

Get your free credit assessment and consultation with our experienced team. You’ll receive tailored recommendations at no cost and with no obligation.