20
image
image

Need Help Restoring Your Credit Rating to Get From Company

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.

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.
image

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.
(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.

Your credit score is based off of credit bureau assessments.

image

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

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.

See What Our Clients Have to Say

Latest Blog

Education Centre (Financial Freedom)

Begin your journey towards financial freedom today with Credit Mend Australia Pty Ltd. Explore our comprehensive articles covering key topics such as budgeting, investing wisely, and planning for retirement. These resources provide essential knowledge and tools, enabling you to confidently secure your financial future.

May 11, 2023

Credit Scores

Lenders use your credit score (or credit rating) to decide whether to give you credit

Read more
August 7, 2024

Defaults & Repayment History

A credit provider can list a default on your credit report if: the payment has

Read more
Gain back your financial freedom!

Call our Credit Repair Experts Today

Phone: 1300 425 610
8 Clunies Ross Court Eight Mile Plains, QLD 4113

Credit Mend Australia – 4.9 Google Rating, Australia’s Leading Credit Repair Specialists.

Contact us