Legal
Consumer Information Disclosure Statement
Fix My Credit File Australia
Debt Management Services / Credit Reporting Assistance
This Consumer Information Disclosure Statement provides important information to help you decide whether to engage Fix My Credit File Australia.
This document is information only. If you choose to engage us, you will be asked to sign a Services Agreement and Letter of Authority/Consent.
1. Who you are dealing with
| Trading name | Fix My Credit File Australia |
| Licensee / ACL holder | Jade Heather Taylor |
| Australian Credit Licence (ACL) | 538261 |
| ABN | 36 251 153 231 |
| AFCA membership number | 88964 |
| Address | 3 Dorall Street, Kippa-Ring QLD 4021 |
| Phone | 0418 519 871 |
| freedom@fixmycreditfileaustralia.com.au | |
| Website | https://fixmycreditfileaustralia.com.au |
2. Our services (what we do)
We provide debt management services, focused on credit reporting assistance.
Depending on your situation and what you instruct us to do, our services may include:
- Helping you obtain and understand your credit report(s)
- Identifying credit listings you want to dispute or query
- Preparing and lodging disputes/correction requests with credit reporting bodies (CRBs) and/or credit providers/creditors
- Requesting documents and information relevant to your credit reporting matter (where authorised)
- Communicating with CRBs, credit providers/creditors and debt collectors on your behalf (where you authorise us to do so)
Where appropriate, we may also assist you to escalate unresolved matters to external bodies such as AFCA and/or the OAIC.
3. What we do not do
Unless we expressly agree in writing:
- We do not provide legal advice or legal representation
- We do not provide financial, investment or tax advice
- We do not provide credit or lend money
- We do not recommend a particular credit contract, lender or broker
- We do not assist you with credit applications
You remain responsible for your debts and any arrangements you make with creditors.
4. Fees and when they are payable
4.1 Audit & Investigation Fee (upfront)
$500 AUD per credit file
Payable before we commence substantive work.
4.2 Removal / correction fees (success-based)
Removal / correction fees are payable only if we receive written confirmation from the relevant credit reporting body, credit provider/creditor, debt collector or their agent that a listing has been removed/corrected (or approved and being implemented).
| Service | Fee (per listing) |
|---|---|
| Enquiry removal | $200 |
| Default removal | $795 |
| Serious credit infringement removal | $795 |
| Repayment history information removal/correction | $795 |
| Financial hardship information removal/correction | $795 |
| Prevent default listing | $795 |
| Court judgment listing removal/correction | $1,500 |
We do not charge commissions or a percentage of any debt reduction, and we do not hold money for your debts.
5. No guarantee of outcome
We provide services with due care and skill, but we do not guarantee:
- That any credit listing will be removed or corrected
- That your credit score will improve
Outcomes depend on your circumstances and the responses and decisions of third parties.
6. Your role and responsibilities
To help us assist you effectively, you must:
- Provide accurate and complete information
- Respond to our requests (we generally communicate by email)
- Tell us promptly if your circumstances change
- Follow our instructions about contacting creditors/collectors/CRBs while we are engaged (direct contact can affect your matter)
You remain responsible for paying any debts you legally owe, including under any settlement or resolution agreement you enter with a creditor or debt collector.
7. Privacy
We handle personal information in accordance with the Privacy Act 1988 (Cth) and the credit reporting framework.
Our Privacy Policy is available at: fixmycreditfileaustralia.com.au/privacy
8. Complaints (IDR) and AFCA
If you are not happy with our services, you can complain to us:
If your complaint is not resolved, you may be able to lodge a complaint with AFCA (free for consumers).
AFCA — Australian Financial Complaints Authority
9. Free resources
Free, independent resources include:
10. Acknowledgement
If you choose to engage Fix My Credit File Australia, you will be asked to acknowledge that you have received and read this Consumer Information Disclosure Statement.