How It Works

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How Credit Repair Works | Clear Credit Repair

A clear, step-by-step explanation of the credit repair process. No jargon. ACL 535271 licensed.

✅ ACL 535271  |  ✅ AFCA Member 83830  |  🆓 Free Initial Assessment

Overview

Credit repair in Australia involves investigating whether negative listings on your credit file — such as defaults, judgments, or enquiries — were recorded in compliance with the Privacy Act 1988 and the Credit Reporting Code. Where a breach is identified, a formal dispute is lodged.

This is not about “wiping” credit files. It is a legitimate, lawful process of checking whether your rights under Australian consumer credit law have been respected — and acting on your behalf when they haven’t been.

The Process — Step by Step

1

🆓 Free Initial Assessment

Call us on 0411 733 563 or email info@ccrepair.com.au. We will:

  • Ask you about the listings on your credit file
  • Explain what each type of listing means
  • Advise honestly whether we believe grounds for dispute may exist
  • Provide a clear fee quote with no obligation

Note: If we don’t think we can help, we’ll tell you at this stage — not after you’ve paid.

2

📄 Obtain Your Credit File

We require a current copy of your credit file. You can obtain this for free from:

  • Equifax: equifax.com.au
  • Experian: experian.com.au
  • Illion (formerly Dun & Bradstreet): illion.com.au

You are entitled to one free credit file per year from each bureau. We’ll guide you through this process if needed.

3

🔎 Detailed Investigation

Once engaged, our specialists personally investigate each listing in detail. This includes reviewing:

✅ Whether a valid Section 21D default notice was sent
✅ Whether the notice was sent to the correct address
✅ Whether the debt amount is accurately stated
✅ Whether the listing has been updated correctly
✅ Whether Credit Reporting Body procedures were followed
✅ Whether the listing is within allowed timeframes

4

📬 Dispute Lodgement

Where we identify grounds for dispute, we prepare and lodge a formal dispute with:

  • The credit reporting body (Equifax, Experian, or Illion) directly
  • The creditor who listed the item
  • Both, where appropriate

We prepare disputes professionally, citing the specific provisions of the Privacy Act 1988 and Credit Reporting Code that we believe have been breached.

5

⏳ Investigation Period

Once a dispute is lodged, the credit reporting body and/or creditor must investigate. Under the Privacy Act 1988, credit reporting bodies generally have 30 days to investigate and respond. Some matters take longer, particularly where creditors need to retrieve historical records.

We monitor progress and communicate with relevant parties to ensure timely resolution. You will receive updates throughout this period.

6

🎯 Outcome

Possible outcomes include:

  • Listing removed: The credit reporting body or creditor agrees the listing should not be on your file and removes it
  • Listing corrected: Where the listing is accurate but recorded incorrectly, it may be updated
  • Dispute not upheld: The credit reporting body maintains the listing is correct

If your dispute is not upheld, you have further options including escalating to the OAIC or to AFCA. As an AFCA member (83830), we can assist with referrals where applicable.

Typical Timeframes

Stage Typical Time
Initial assessment and engagement 1–3 days
Investigation and dispute preparation 3–7 days
Credit reporting body investigation 30 days (statutory)
Complex or escalated matters 60–90 days

What You Need to Provide

  • Full name and date of birth
  • Current and recent addresses (for the past 5 years)
  • A copy of your credit file (we can guide you on how to obtain this for free)
  • Any correspondence relating to the listing — default notices, letters from creditors, court documents
  • Your account details with the creditor involved (if available)
  • A brief description of your circumstances around the time the debt was listed

🆓 Ready to Start? Call for a Free Assessment.

We’ll explain the process in plain English and tell you whether we believe we can help with your specific situation.

📞 0411 733 563

Clear Credit Repair Pty Ltd | ACL 535271 | AFCA 83830 | Results depend on individual circumstances

Clear Credit Repair Pty Ltd | ABN 46 628 615 010 | ACL 535271 | AFCA Member 83830

Clear Credit Repair Pty Ltd holds Australian Credit Licence ACL 535271 issued by ASIC. We investigate whether your listing was recorded in compliance with the Privacy Act 1988. Where we identify a breach, we lodge a formal dispute. Results depend on individual circumstances. We do not guarantee removal of any credit listing.

PO Box 462, Riverwood NSW 2210 | Phone: 0411 733 563 | Email: info@ccrepair.com.au

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