Step 1

Find Out “How to Fix My Credit Rating” with Credit Mend Australia

“How to fix my credit rating” is something you might be looking into if you need to know how to repair your credit fast. Your credit rating is critical and affects your ability to finance larger purchases, such as vehicles and homes, as well as maintain credit cards and even obtain utility services. Unfortunately, there may come a time when you realise that something damaging has landed on your credit report – and worst of all, it may not even be accurate. This “bad credit” will remain on your report for five to seven years unless you take action to repair your bad credit fast. Credit Mend Australia can help you do just that.

Step 2

What You Should Know About How to Repair a Credit Score

If you have found yourself searching for information on how to fix your credit fast, then you almost certainly have an idea of how important it is to keep your credit score in top shape. Here are a few key facts about your credit that you should know. 

  • Your credit score is an indicator of risk. Lenders take your credit score into account when deciding to provide you with the loan you need. A higher score indicates a lower risk and therefore considered better. Someone with a higher score is more likely to access the credit they need from banks and other lenders. 
  • There are different credit scores. Different lenders and CRBs (credit reporting bodies) use different algorithms that result in conflicting scores. Your credit score is only as accurate as the data on which it is based. A credit score based on insufficient information may not tell the whole story and could lead to a lender making the wrong decision. Lenders may use one or more CRBs to help them assess your risk. 
  • You can improve your credit score. Once you know what your score is, you can take steps to improve it if needed. Doing so will allow you to choose creditors who will reward your good credit with better financing deals over time. Utility providers, phone companies, and others can also use your score to decide whether to provide you with post-paid services, so doing everything that you can to boost your score is essential. 
Step 3

What Sets Credit Mend Australia Apart Regarding How to Fix a Bad Credit Rating

If you’re looking for someone who knows the answer to your question, “How do I fix my credit score?”, you have several options. Many companies claim to be able to help people in your situation – but not all of them deliver. Here are a few good reasons to choose Credit Mend Australia. 

  • You don’t pay unless we can help you. Most companies who do what we do will charge you upfront – to the tune of thousands of dollars – and you’ll pay whether or not they can remove the bad credit from your report. We feel it’s unfair and unethical to operate this way, so we charge you only if we can remove the bad credit and give you the results that you want. 
  • We are exceedingly knowledgeable about the laws around credit in Australia. Many people don’t know that they can have bad credit removed, so they just wait around for five to seven years until it clears on its own. There’s no need to let bad credit ruin your life. If the claim is disputable or if the reporting company did not follow proper procedures in reporting it, we can help get it removed so that you can keep moving toward your personal, financial, or business goals. 
  • We care about our clients. We started our business because we saw a need for caring professionals in an industry full of people who are all too happy to take advantage of individuals who are struggling with their credit. We are passionate about providing fair solutions for the people who need them, as well as competitive pricing. We will also investigate your case at no charge to you – again, charging you only if and when we can remove the problematic item on your credit report. 
Step 4

What You Can Expect from Credit Mend Australia When You Need to Fix Bad Credit Fast

Have you been thinking, “I wonder if it’s hard to fix my bad credit fast?” Good news – the answer is “no.” It isn’t hard at all – we make it as quick and painless as possible for you to remove bad credit from your report and get you back into good financial standing. Here’s how it works. 

  • Give us a call. First, we’ll talk with you about our process and give you a brief explanation of the credit laws and what we can do to help restore your credit file. 
  • We’ll gather information. Once we receive your written consent, we’ll perform a check of all three credit files. We’ll explain your current credit position and identify your options for moving forward. 
  • We’ll investigate the options. We’ll examine the possible procedures companies have used before reporting the negative listing. We’ll also ask you some questions about your discrepancy so that we understand your situation completely. 
  • You’ll hopefully meet the criteria for acceptance. To be approved for service, you’ll have to meet specific criteria based around possible breaches of privacy laws and the credit reporting codes of conduct. 

Once you’re approved, we’ll remove the bad credit listing for you. The whole process takes just ten to thirty days. 

Step 5

About Credit Mend Australia

The team at Credit Mend Australia has nearly a decade of experience in credit restoration. We understand the frustration of having credit issues and all the ways it can affect your life. We are here to help you take back control of your financial future by restoring your credit score. We have worked with some of the industry’s top credit repair companies. We have the knowledge to exhaust all avenues to provide you with the best possible chance of repairing your credit and regaining your financial freedom. If you’ve been trying to figure out “how to fix my credit score,” we can help. 

Contact us today to learn more.

We Remove Defaults