Gain Back Your Financial Freedom!
Australian Credit Repair
Need Help Restoring Your Credit Rating
If you have bad credit, you know how hard life can become! From everyday purchases to investments in your future, your credit history can come back to haunt you. The good news is, Credit Mend Australia can remove your bad credit, regardless of whether the account is outstanding or paid. This is achieved by stating the legislation the company had breached before the negative listing was against you.
(National Credit Act)
(Credit History Check)
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.
Our Mission is to help you restore your credit file and gain back your financial freedom.
At Credit Mend Australia, we believe that everyone deserves a chance to improve their credit score and regain financial freedom.
Future
(Australia Credit Repair)
The significance of a good credit score
Credit Mend Australia has helped countless Australians completely repair their credit ratings and take control of debt.
Results of Bad Credit
Benefits of Good Credit
- 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.
Your credit score is based off of credit bureau assessments.
Our Process
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.
GENERAL IDENTITY AND CREDIT CHECK
(Debt Plan)
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.
AUDIT OF CREDITORS (Financial Assistance)
Once you have 100% of the information you can than make an educated decision based on your personal circumstances. The Audit covers a full investigation of all adverse listings and we start the credit restoration process by attempting to removing black marks and increasing your credit score.
CONFIRMATION IN WRITING OF REMOVAL
Education Centre
Be sure to check out our Education Centre! We write about all sorts of things credit related that we think will interest and help our readers.
Defaults
Defaults A credit provider can list a default on your credit report if: the payment has been overdue for at least 60 days. the overdue payment is equal to or more than $150. a notice has been sent to your last known address to let you know about the overdue payment...
Debt Management
From 1 July 2021, providers of debt management services (including firms offering ‘debt negotiation’ or ‘credit repair’ services) are regulated under the National Consumer Credit Protection Act 2009 (National Credit Act). This means providers of these services must:...
Credit Scores
Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals or understand why a lender rejected you. Your credit score is based on personal and financial information about...
Call our Credit Repair Experts Today
Gain back your financial freedom!
Phone: 1300 425 610
Suite 75, 8 Clunies Ross Court Eight Mile Plains, QLD 4113