Welcome to Credit Mend Australia

Gain Back Your Financial Freedom

Australian Credit Repair

The Long-Term Impact of Negative Listings on Your Credit Report

Defaults Removal Service

Did you know that a default can stay on your credit report for up to five years, whether paid or unpaid, significantly impacting your credit score and financial opportunities? We work on your behalf to remove unjust, inaccurate, or outdated default listings, helping you regain control of your credit and improve your chances of securing loans, credit cards, and other financial products.

What is a Default? A default is recorded when a payment of $150 or more is overdue by 60 days or more. It signals serious credit issues to lenders, making it harder to get approved for credit.

How We Help: We review your credit report, dispute incorrect or unfair defaults, and work towards their removal to improve your credit score and financial prospects.

Court Judgments & Actions Removal Service

Court judgments and legal actions for unpaid debts can stay on your credit report for up to five years, whether paid or unpaid, significantly impacting your credit score and limiting your ability to secure loans, credit cards, or other financial products. We specialize in removing unjust, inaccurate, or outdated court judgments and actions, helping you regain control of your credit and improve your financial opportunities.

How We Help: We review your credit report, identify errors or unfair court listings, and work towards their removal, giving you a clean slate to move forward financially.

Serious Credit Infringement (SCI) Removal Service

A Serious Credit Infringement (SCI), also known as a clearout, can stay on your credit report for up to seven years, whether paid or unpaid, severely impacting your ability to borrow.

What is an SCI? An SCI is recorded when a lender believes you have intentionally avoided repaying debt and they've been unable to contact you for an extended period. This is one of the most damaging listings on your credit report. We work on your behalf to remove unjust, inaccurate, or outdated SCI listings, helping you restore your credit and improve your chances of securing loans, credit cards, and other financial products.

How We Help: We review your credit report, identify inaccurate or unfair SCI entries, and work towards their removal, helping you rebuild your credit and regain financial freedom.

Repayment History Information (RHI) Removal Service

Did you know that late payments over 14 days can stay on your credit report for up to 24 months, impacting your credit score and loan approvals? We work on your behalf to remove unjust or inaccurate RHI records, helping you reverse past financial mistakes and improve your credit health.

What is RHI? Repayment History Information shows your monthly payment history on accounts like loans and credit cards. Late payments over 14 days can negatively affect your report for up to two years.

How We Help: We identify and remove eligible late or missed payments, improving your credit score and boosting your chances of loan approval.

Obligation-Free Review

Good Credit VS Bad Credit

When you have good credit, you can access financing from top-tier lenders with better terms and lower interest rates. On the other hand, bad credit limits your options to non-conforming lenders who charge higher interest rates due to the increased risk. Good credit opens doors to better financial opportunities, while bad credit can result in stricter terms and higher costs. Maintaining a strong credit profile helps you secure better financial outcomes and long-term savings.

Disclaimer: The extra interest examples provided are for illustration purposes only. Actual amounts may vary based on individual circumstances, lender policies, credit score, and financial history.

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Our Proven 4-step Process to Restore Your Credit

Step 1: Assessment

We assess your credit file to identify negative listings and potential opportunities for removal. A full credit check is conducted across Equifax, Experian, and Illion to gather the necessary information and provide a clear understanding of your credit position.

Step 2: Credit Check & Investigation

Once we determine that you have a strong case, we charge a small investigation fee and obtain your written consent. We then work closely with you to assess your situation, understand your financial goals, and build a strong case for the best possible outcome.

Step 3: Audit & Submission

We conduct a thorough audit to ensure the creditor’s compliance with credit reporting regulations and request all supporting documentation. Our team prepares a compelling case and submits it to challenge the listing, working diligently to achieve a positive resolution.

Step 4: Resolution & Free Debt Negotiation

We only charge a removal fee once we receive written confirmation from the creditor that the listing—whether an adverse entry, default, or judgment—will be removed. If we are unable to remove it, no fee is charged. As a free bonus, we negotiate with creditors to help reduce your outstanding debts at no extra cost, offering you additional financial relief.

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Phone: 1300 425 610

8 Clunies Ross Court Eight Mile Plains, QLD 4113

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