We Only Win When You Win
Fix My Credit File Australia was built on one principle: you should never pay for credit repair unless it actually works.
15+ Years
Credit Repair Experts
Our Story
Fix My Credit File Australia was founded after seeing too many Australians trapped by bad credit listings that were either wrong, unlawful, or placed without proper process. Banks and creditors know the rules — but they count on most people not knowing them too.
We built this business to level the playing field. With over 15 years of experience in Australian credit law, we know exactly what creditors must do before listing a default, judgment, or infringement — and we know how to hold them accountable when they don't.
Our performance-based model isn't just a marketing line. It's our commitment that we only take cases we believe in, and we only get paid when we deliver.
What We Stand For
Performance-Based, Always
We don't charge upfront removal fees. We don't take commissions from the debt we reduce. You pay only when we successfully remove a listing — full stop.
Honest About What's Possible
We won't take your case if we don't believe we can help. Every assessment is honest, and we'll tell you straight if a listing isn't challengeable.
Your Rights, Explained Clearly
Australian credit law is complex, but your rights aren't complicated. We make sure every client understands exactly what they're entitled to.
No Commissions. No Hidden Fees.
We never take a percentage of the debt we reduce. Our fee is for the removal — nothing else. What we save you is entirely yours.
Specialists in Australian Credit Law
Our team has spent over 15 years working exclusively in Australian credit repair. We know the Privacy Act, the NCCP Act, and the obligations creditors must meet before listing bad credit. We use that knowledge every day to fight for our clients.
Award Winner
Worldwide Finance 2025
Licensed. Qualified. Accountable.
Before you trust anyone with your credit file, check who you're dealing with. Here are the credentials behind Fix My Credit File Australia.
Australian Credit Licence
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.
Certificate in Credit Management
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.
Regulatory Status & Licensing Disclosures
Fix My Credit File Australia is an independently operated credit reporting assistance and debt management service.
Registered Licensee: Jade Heather Taylor trading as Fix My Credit File Australia
Australian Business Number (ABN): 36 251 153 231
Australian Credit Licence: Authorised Credit Licensee under an Australian Credit Licence (ACL) Number 538261 issued by the Australian Securities and Investments Commission (ASIC).
External Dispute Resolution (EDR): Australian Financial Complaints Authority (AFCA) Member #88964.
Registered Office: 3 Dorall Street, Kippa-Ring QLD 4021.
Mandatory Regulatory & Statutory Consumer Notices
Scope of Service: Fix My Credit File Australia provides debt management and credit reporting assistance services. We do not provide credit, arrange or suggest loans, participate in credit contract applications, or provide legal or financial product advice.
No Outcome Guarantees (ASIC RG 234 Compliance): We conduct all credit file audits and investigations with statutory due care, skill, and diligence under Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2025. However, we do not guarantee that any credit listing, default, or adverse entry will be removed or amended, nor do we guarantee an increase in your credit score. Outcomes depend entirely on the individual factual circumstances of your file, available documentation, and third-party creditor compliance.
Transparent Performance Pricing: We charge a transparent Audit & Investigation fee per credit file. Removal fees are strictly performance-based and become payable only upon receipt of formal written confirmation that an eligible listing has been removed or corrected. If an adverse listing is not removed, no removal fee is charged. We do not take cuts, percentages, or commissions on any debt reduction negotiated.
Independent Complaints Rights: If you have an unresolved complaint regarding our service, you have the statutory right to escalate your dispute free of charge to the Australian Financial Complaints Authority (AFCA) via www.afca.org.au or by calling 1800 931 678.
Ready to See What's Possible?
Get a free, no-obligation assessment of your credit file today.