• You may not be able to get a loan
  • You may have to lend off high interest lenders
  • You may not be able to set up everyday accounts like phone, utility, rentals
  • You may not get certain employment

  • You may get the lowest interest rate available and save thousands

  • You may get loans approved ( providing you meet lending criteria)
  • You may open accounts for everyday purposes like phone, utilities, etc.
  • You may have more opions and opportunities with good credit.

OUR GOAL

1
AWARNESS OF YOUR CREDIT RIGHTS & ENTITLEMENTS

Our intention at Credit Mend Australia is to ensure consumers are aware of their credit rights and entitlements, providing knowledge to make educated decisions based on their personal circumstances and needs, to deliver awareness of credit restoration options.

2
GENERAL IDENTITY AND CREDIT CHECK

Upon receiving your written authorisation, our team will help you to access your credit file information, from all three credit reporting bodies. We will then explain your current credit position and Options available in relation to credit restoration.

3
AUDIT OF CREDITORS

Once you have 100% of the information to make an educated decision based on your personal circumstances, your current credit history status and the options available for credit restoration. Should you decide credit restoration is going to better your credit worthiness, we charge an Investigation fee ( $499 Inc Gst per credit file ) covers the audit and investigation of all adverse listings and we start the credit restoration process.

4
CONFIRMATION IN WRITING OF REMOVAL

Only once we receive written confirmation From the creditor that they will remove the Listing or (adverse on file, default or judgment) Only then do we charge a removal fee, If we cant Remove it, we do not charge.

OUR GOAL

1
AWARNESS OF YOUR CREDIT RIGHTS & ENTITLEMENTS

Our intention at Credit Mend Australia is to ensure consumers are aware of their credit rights and entitlements, providing knowledge to make educated decisions based on their personal circumstances and needs, to deliver awareness of credit restoration options.

2
GENERAL IDENTITY AND CREDIT CHECK

Upon receiving your written authorisation, our team will help you to access your credit file information, from all three credit reporting bodies. We will then explain your current credit position and Options available in relation to credit restoration.

3
AUDIT OF CREDITORS

Once you have 100% of the information to make an educated decision based on your personal circumstances, your current credit history status and the options available for credit restoration. Should you decide credit restoration is going to better your credit worthiness, we charge an Investigation fee ( $499 Inc Gst per credit file ) covers the audit and investigation of all adverse listings and we start the credit restoration process.

4
CONFIRMATION IN WRITING OF REMOVAL

Only once we receive written confirmation From the creditor that they will remove the Listing or (adverse on file, default or judgment) Only then do we charge a removal fee, If we cant Remove it, we do not charge.

Remove Bad Credit

The time that negative information stays on your credit file varies
depending on the type of listing

Defaults

Defaults are listed on your report for five years, or seven years in the case of a Clearout or Serious credit infringement (this is when your creditor can’t contact you).

Serious Credit Infringement (SCI)

Serious credit infringements stay on your report for 7 years. Paying the debt of the (SCI) once it is listed on the credit file does not remove bad credit from your credit file history.

Court Judgements

Court Judgements remains on your credit file for five years.

Summons & Writs

Summons & Writs remains on your credit file for five years.

Late and Missed Payments

Late and Missed Payments on loans and credit cards are recorded on your credit file for two years.

Bankruptcy

Bankruptcy is listed on your credit report for five years from the date you were declared bankrupt.

Multiple Credit Enquiries

Applications for credit, including loans, credit cards and more, are listed on your credit file for five years. These listings are included regardless of whether or not your application was approved.