Australia's Performance-Based Credit Repair Specialists — No Upfront Removal Fees.
Proudly assisting consumers across all Australian States & Territories: QLD | NSW | VIC | WA | SA | TAS | ACT | NT.
Every review below is a real Australian whose credit file we helped fix — no upfront removal fees, no empty promises.
Richard Maiava
16 Aug 2026
"Excellent with the work that Jade has done for me. Never gave up and determined to get the results that I wanted. Jade puts in 100% in what she does and I'm happy to have her helped me."
Noel Glenn
14 Aug 2026
"Jade is absolutely awesome. Within 2 days she'd worked her magic. Now I can get on with my life and buy a house. Thanks heaps Jade, you're a legend."
Marianna Billington
6 Aug 2026
"First-class service! The service Jade provides is truly superior — clear communication, fast response times, and genuine support throughout the whole process. Highly recommend!"
Ross D'Elton
13 Feb 2026
"Jade has been a great help clearing my credit file with all of my credit issues. It has been seamless with no issues or problems. I would recommend Jade's services to anyone."
Sophie Vlahos
17 Jan 2026
"Jade was a lovely lady to talk to. She gave me some great advice on repairing my credit and was very good at her job. Highly recommend her."
Tara Liddle
23 Sept 2025
"Jade is amazing! She actioned everything immediately, was so kind, and explained everything clearly. I felt no pressure or judgment at any point, and the result was fantastic. Highly recommend!"
Mohamed Farahat
2 Sept 2025
"Fix My Credit — the name said it all. Jade walked me through everything patiently step by step. Changed my life as I never thought I would get out of my debts and fix my credit score. Jade you are a blessing."
Lall Ramharak
21 Aug 2025
"Jade Taylor has done an exceptional job on my behalf. She removed my default and I could get a better rate from another bank. Her fees are cheaper than her peers and she goes above and beyond."
J T
21 Aug 2025
"I have had such an amazing experience. Within the first minute I was at ease knowing I was in good hands. I can't thank Jade enough for getting me back the freedom that a clean credit file will give you."
Kieron Thomas
12 Aug 2025
"Jade went above and beyond battling for me to fix my credit due to a run of bad luck and shifty loan companies. Couldn't recommend this service in a higher regard."
Two prestigious independent awards recognising Australia's best in credit repair — won on merit, verified by industry bodies.
Best Credit Repair Service — Australia 2025 Awarded to
Fix My Credit File Australia
Awarded by Acquisition International, recognising global leaders shaping the financial industry.
Best Business For "Outstanding Business Practices & Credit Repair Excellence" Awarded To
Fix My Credit File Australia
Independently verified and recognised for outstanding business practices and credit repair excellence across Australia.
View award
Defaults, court judgments, and repayment history listings can block you from home loans, car finance, and more. We remove them — with zero upfront removal fees.
Every listing we fight to remove is one less thing standing between you and the life you deserve. No upfront removal fees — you only pay when we deliver.
We audit Equifax, Experian, and Illion records, investigating whether creditors breached the Privacy Act 1988 (Cth) or Privacy (Credit Reporting) Code 2025 prior to listing defaults or serious credit infringements.
Reviewing and correcting unlawful Repayment History Information (RHI) and Financial Hardship Information (FHI) to ensure your file reflects genuine circumstances.
Direct liaison with creditors and debt collection agencies to negotiate affordable resolutions, dispute questionable balances, or formalize debt reductions without handling client funds.
Financial hardship listings can linger long after you've recovered. We help remove them so your file reflects your current situation.
Too many credit enquiries can signal risk to lenders. We review and remove unauthorised or excessive enquiries from your file.
Serious infringement listings are among the most damaging. We investigate and challenge them on your behalf.
We step in before a listing is ever placed on your credit file — a default, court judgment or serious credit infringement — and resolve the matter so it never becomes a negative listing.
The Fix My Credit File Difference
Fix My Credit File Australia was built to challenge the high-fee, corporate credit repair model. You work directly with Jade Heather Taylor—your dedicated specialist from start to finish. We charge a single audit & investigation fee per file, and removal fees are only payable once written confirmation of removal is received from the creditor or reporting agency. If we cannot remove it, you never pay a removal fee. Furthermore, we never take cuts or commissions on negotiated debt reductions—every dollar saved stays in your pocket.
Performance-based credit repair. No removal, no fee. Simple as that.
Most credit repair companies charge thousands per default — upfront, without the guarantee they will remove your bad credit. We only charge a small removal fee once we have received written confirmation from the creditor or third party that your bad credit listing has been removed, or is in the legal process of being removed, after which credit reporting bureaus reflect the correction on your file within standard statutory processing timeframes (up to 30 days).
We don't just fix credit files — we educate. For the first time, Australians have access to clear, plain-language guidance on their rights under consumer credit law, what creditors are legally obligated to do, and how to access the free resources that put them in control. Knowledge is the most powerful tool we can give you — so you never need to be in this position again, and neither do your children.
No upfront removal fees. Audit & investigation retainer — fixed regardless of complexity.
Understanding your credit file is the first step to fixing it. Access our free resources and take control of your financial future.
We're not the only free help out there — and we'll always point you to it. These independent Australian services are free to use and can help you understand your rights, make a complaint, or get debt help at no cost.
A free, independent service that resolves complaints between consumers and financial firms — including credit providers. If you have a dispute with a lender that can't be settled directly, AFCA is the free external body that reviews it.
Australia's corporate and financial services regulator. ASIC licenses credit providers, enforces the credit laws, and takes reports about misleading conduct and credit repair scams.
The Information Commissioner handles privacy and credit reporting complaints — including disputes about the information held on your credit file.
The Australian Government's free money guidance site, run by ASIC — plain-language guides on credit reports, credit scores, loans, and dealing with debt.
Free, independent and confidential financial counselling for anyone struggling with debt. Financial counsellors are not-for-profit and don't charge for their help.
Do you have defaults or court judgements holding you back from obtaining finance? Fix My Credit File Australia is here to help.
Google Reviews
Trusted by Australians
Years Experience
Credit Repair Specialists
Upfront Removal Fees
100% Performance Based
More Than Just Home Loans
Defaults and listings don't just affect home loans — they block car finance, personal loans, and business credit too. We fix the file so you can get back on the road.
We never charge a removal fee before the work is done. Our removal fees are only payable once we've received written confirmation from the creditor that your listing is removed — or legally in the process of being removed.
Removal fees are only payable once we have received written confirmation from the creditor that your listing has been removed or is legally in the process of being removed.
Our fee is only triggered once a listing is confirmed removed in writing — or confirmed to be in its legal removal process, after which credit reporting bureaus reflect the correction on your file within standard statutory processing timeframes (up to 30 days).
No removal of your bad credit listing — you don't pay a removal fee. At all. Ever.
Why Us
Over 15 years removing bad credit listings for Australians. We know the system, the legislation, and how to get results.
Removal fees are only payable once we have received written confirmation from the creditor that your listing has been removed or is legally in the process of being removed.
We operate under the Australian Consumer Law and Privacy Act, ensuring every dispute is handled correctly and ethically.
Recognised by Worldwide Finance Awards and the Australia Business Review Board for excellence in credit repair.
Independent Recognition
Two prestigious independent awards recognising Australia's best in credit repair — won on merit, verified by industry bodies.
Awarded by Acquisition International, recognising global leaders shaping the financial industry.
Verify onlineIndependently verified and recognised for outstanding business practices and credit repair excellence across Australia.
View award detailsBefore you trust anyone with your credit file, check who you're dealing with. Here are the credentials behind Fix My Credit File Australia.
Australian Securities & Investments Commission
Fix My Credit File Australia operates under Australian Credit Licence 538261, held by Jade Heather Taylor. Our credit activities are regulated under the National Consumer Credit Protection Act 2009.
National Finance Institute
Jade Heather Taylor holds the Certificate in Credit Management from the National Finance Institute — formal, industry-recognised training in credit reporting, credit law and credit management practice.
Licence and qualification details are available on request — just ask.
Get In Touch
Hours
Mon–Fri: 9am–5pm
Sat: By appointment
Service Area
Australia Wide
All states & territories
Ready to help you today
Our team is standing by — no obligation, no upfront removal fees. Call or send a message and we'll get back to you fast.
Free Assessment
Take the first step today. Our free assessment is obligation-free — we'll review your situation and tell you exactly what we can do for you.
