Fix My Credit File Australia

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Debt Management Services Guide

Pre-engagement disclosure document — your rights, our services and fees.

Debt Management Services Guide

Fix My Credit File Australia

Fix My Credit File Australia — Services Guide (Debt Management Services / Credit Reporting Assistance)

Effective Date: 05/06/2026 | Version: 1.0

1. Purpose of this Services Guide

This Services Guide provides important information about Fix My Credit File Australia and the services we provide to Australian consumers under the National Consumer Credit Protection framework.

It is designed to help you understand:

  • Who you are dealing with and how to contact us;
  • What services we provide (and what we do not provide);
  • Our transparent fee schedule and when fees become payable;
  • Free community resources available to you; and
  • How to lodge a complaint (including external escalation to AFCA).

2. Licensee Details

3. Our Business Model

  • Solo Specialist: Jade Heather Taylor provides and conducts all work and deals with each client directly.
  • No Debt Administration: We do not hold or administer funds for your debts.
  • No Commissions: We do not take cuts or percentages of any debt reduction or settlement negotiated. All financial savings remain 100% yours.

4. What Services We Provide

Depending on your individual circumstances, our regulated credit reporting assistance and debt management services include:

  • Assisting you to obtain, review, and understand your credit reports across all major reporting bodies.
  • Auditing credit files to identify listings you wish to query (defaults, serious credit infringements, repayment history information, financial hardship information, unauthorized enquiries, and court judgments).
  • Preparing and lodging formal disputes and correction requests under Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2025.
  • Requesting contract documentation, notices, statements, and hardship records from credit providers and debt collectors.
  • Liaising directly with creditors, debt collection agencies, and credit reporting bodies (CRBs) under written authority.
  • Escalating unresolved disputes through external dispute resolution schemes (AFCA and the OAIC).

Important Notice Regarding Outcomes:

We perform our services with statutory due care and skill, but we do not guarantee that any credit listing will be removed or changed, or that your credit score will improve. Final outcomes depend on factual circumstances, available evidence, and creditor compliance.

5. What We Do Not Do

Unless expressly agreed in writing:

  • We do not provide legal advice or formal court representation;
  • We do not provide financial planning, tax, SMSF, or investment advice;
  • We do not provide credit or lend money;
  • We do not suggest, arrange, or assist with applications for credit contracts or loans;
  • We do not administer formal Part 9/10 debt agreements or bankruptcy proceedings.

6. Our 5-Step Process

  • Step 1 — Free Assessment: Initial confidential review of your credit file and education on your consumer rights.
  • Step 2 — Appropriateness & Value Assessment: We evaluate whether formal dispute action is viable and provides genuine value before you incur any cost.
  • Step 3 — Transparent Onboarding: You are provided with this Services Guide, a formal Services Agreement, and a Letter of Authority. No high-pressure sales.
  • Step 4 — Comprehensive Audit & Investigation: Upon receipt of the $500 audit fee, we initiate formal documentation requests from creditors, auditing notices, contracts, and hardship compliance.
  • Step 5 — Dispute Pathways & EDR Escalation: Direct negotiation under Internal Dispute Resolution (IDR). If unresolved, we escalate eligible matters to AFCA or the OAIC at no extra charge.

7. Transparent Fee Schedule

  • Audit & Investigation Fee: $500 (AUD) per credit file (covers all listings on that file, comprehensive evidence requests, and EDR escalation).
  • Performance-Based Removal Fees (Only payable upon receipt of written confirmation of removal or approved deletion):
    • Enquiry Removal: $200 per listing
    • Default Removal: $795 per listing
    • Serious Credit Infringement (SCI) Removal: $795 per listing
    • Repayment History Information (RHI) Correction: $795 per listing
    • Financial Hardship Information (FHI) Correction: $795 per listing
    • Prevent Default Listing (action preventing impending default): $795
    • Court Judgment Removal / Correction: $1,500 per listing
  • Zero Commissions: Any reduction negotiated on your actual debt balance belongs entirely to you.

8. Privacy & Data Handling

Personal and credit-related information is collected, stored, and managed strictly in accordance with Part IIIA of the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

9. Complaints Handling (IDR) & AFCA Escalation

If you have concerns regarding our services:

  • Contact Us: Email freedom@fixmycreditfileaustralia.com.au or call 0418 519 871.
  • Acknowledgement: Within 24 hours.
  • Resolution Timeframe: Written response within 30 calendar days.
  • External Escalation: If dissatisfied with our final response, you have the statutory right to escalate your dispute free of charge to the Australian Financial Complaints Authority (AFCA):
    • AFCA Member Number: 88964
    • Website: www.afca.org.au | Phone: 1800 931 678
    • Postal: GPO Box 3, Melbourne VIC 3001

10. Independent Financial Counselling & Free Support

Free, independent financial counselling and debt advice services are available to all Australians:

  • National Debt Helpline: 1800 007 007 | ndh.org.au
  • ASIC MoneySmart: moneysmart.gov.au
  • Office of the Australian Information Commissioner (OAIC): oaic.gov.au