Close this search box.
Achieve financial freedom with credit repair
Clean Credit Pty Ltd is one of Australia's leading credit repair specialists. Trusted and well established, our goal is to wipe your slate clean to put you back in control of your finances. Repair credit within as little as 30 days and get loan approval again, on your terms.
Get Help With Your Credit File In Seconds


Can't get a loan or credit card?

We provide credit repair solutions

NO-effect-on-your-credit-fileNO effect on your credit file
no impact on your credit score

Let’s get your credit score on track

Clean Credit removes incorrectly listed or unlawful defaults, court judgments, and black marks from your credit file. We provide credit repair solutions so that you can regain financial flexibility. Our priority is to improve your credit score and so you may get the loans you need, when you need them.

Take control of your finances today with credit file repair! 

Apply for finance again with credit repair

Have you had a recent loan application denied? Is your credit history impaired with defaults, late payments, black marks or court judgments? The good news is that you may be able to repair your credit history with Clean Credit. We have helped thousands of Australians improve their credit scores. Our experienced and understanding team of credit repair specialists can quickly analyse your current credit situation and provide an individually tailored solution. 

We understand that your credit history is in the past and may not accurately reflect your ability to pay back the finance. At Clean Credit, we want to give you the best chance possible of get finance approved. We feel that a defaultcourt judgment or black mark should not stop you from getting the finance you may need right now or in the future. Talk to us about repairing your credit score. Take a positive step towards financial freedom. Speak to a specialist and receive credit repair assistance.

*see our full terms and conditions for details.


Our credit repair success rate is over 90% !

Success rate valid from 1 July 2020

Success rate of removals 87%
Success rate of removals 95%
Bank records
Success rate of removals 98%
Court judgments
Success rate of removals 84%

Repair credit and take financial control

Clean Credit can help to remove...

defaults icon


Defaults are essentially late payments listed on your credit history. These can have an adverse effect on loan applications. We work to remove negative listings, to improve your credit rating.

multiple credit check icons

Credit enquiries

Each time you apply for a loan, a credit enquiry is placed on your credit file. This alerts future lenders that you have applied for credit. Making multiple enquiries can look like you have attempted to borrow more than you can afford.

judgements icon

Court judgments

A court judgment on your credit file can indicate high risk to potential lenders and shows you were not able to repay your credit provider or come to an agreement without formal legal action.

black marks icon

Black marks

Black marks on your file range from credit defaults to applications and a range of activities that imply a credit risk. We can help to remove these. You are more likely to get finance with a clear credit report.

If you are suffering from defaults, credit enquiries, court judgments or black marks then credit repair may offer a great solution. Many creditors incorrectly place negative events on your credit file. Through the process of credit repair, these negative listings can, in a number of instances, be contested and successfully removed.
The credit repair process is much easier than many people think. While negative credit listings can remain on your file for many years, sometimes credit repair can wipe your record clean within as few as 30 days. Bad credit holds back thousands of Australians from getting loan approval every year. If you are able to fix your credit rating through a credit repair service then you’ll be able to apply for finance again with confidence.
With a clear credit history, you can take advantage of lower interest rates, more flexible loan terms, higher credit limits and greater control over your finances. If you are wondering why you should fix your credit rating then click here. Credit repair is the opportunity to get your personal finances back on track so you can confidently apply for finance when you need it. 

Australians choose Clean Credit for genuine credit repair

great results icon

We get great results

Good business means great service and results. Our credit repair specialists will get to know your credit situation. The Clean Credit team are authentic, compassionate and very experienced in credit file repair.


We work closely with credit reporting bodies such as Equifax, Illion, and Experian to effectively repair your credit rating, so you are able to obtain finance if you need it.

trusted in credit repair icon

Trusted in credit repair

As a trusted credit repair company, we are confident that we can improve your credit score. That’s why our removal fee is only charged if we are successful in providing you with a clear credit file.

transparent and honest icon

Genuine and transparent

Our caring team of credit repair specialists are honest, genuine and transparent. We’ll let you know how we can help fix bad credit and what steps to take to repair your credit file.

Credit Repair frequently asked questions

We are here for Australians in this time, as much as ever, to get your credit rating in the best possible shape. Our hours and service have not changed. Remember, we are all in this together.

As far as our day to day operations, our specialised credit repair team, for the health and wellbeing of staff and the community, have work stations at the office and in their homes, so we can be available however the current health crisis requires us to work. If working from home, the team are connected to our secure, central server which is located in our head office. Your information is always stored safely and securely on this protected server.

Each Clean Credit team member is equipped with a workstation and telephone in their home, just as they would in the main office so that they are able to attend to your credit file during this current health and financial crisis.

If you are having issues with getting loan or finance approved, we strongly recommend reaching out so we can assess the possibility of repairing your credit file. 

Having a high credit score gives you a lot more credit and finance options, generally with lower interest rates. This is especially important when you don’t know what is around the corner. Australians are in uncharted waters with the current COVID-19 / coronavirus pandemic and each day the news is different. As we navigate through these difficult times, we are doing all we can to help our customers improve their credit score and remove incorrect or unlawful listings.

Credit repair is the process of analysing listings and fixing incorrect listings on an individual’s credit report to improve that person’s credit score. This can be accomplished through removing or changing adverse listings from the individual’s file that have been incorrectly placed. With a better score, you are a more attractive candidate for lenders and more likely to be approved for a loan or finance. 

During times of financial uncertainty, such as the current COVID19 pandemic, it is very important to get and keep your credit rating in good order. If you need to borrow to get you and your family through tough times ahead, a good credit history will mean that you have more financial options with credit file repair.

The last thing you need during a crisis is a poor track record, which would limit your ability to apply for finance when you need it most.

Paying an overdue account will not remove the default. Once a listing is made it will be recorded on your file for years. Even if you pay the debt, the listing will remain on your file. While it is important to keep track of any debt, from a rating perspective the issue is not always resolved once the debt is paid.

A default payment will stay on your file for 5 years. This default will remain on your credit file if your payment of $150 or more is overdue by 60 days or more. 

Generally speaking, paying or settling a default won’t remove that default, but your file should be updated to reflect the fact that you have paid it.

If you have a default on your credit file and it wasn’t lawfully placed, it is important to remedy this before applying for a loan or finance. This way, you can apply with higher confidence and may also incur lower interest rates.

  • Court judgments and credit enquiries will remain on your credit file for 5 years.

  • Court writs and summons stay on your credit file for 4 years.

  • Bankruptcy, Part 9 Debt Agreements, and Clearouts are kept on your credit file for 7 years.

  • External administration and previous directorships remain for 10 years.

Defaults we can help remove

Real client testimonials

Testimonials are 100% genuine, however the images of the clients are models for confidentiality and illustrative purposes.

clean credit repair australia map

Credit repair & credit rating check in Australia

Clean Credit is a trusted and transparent credit repair company based in Australia. Through our compassionate team of credit repair specialists, we have helped many Australians to fix bad credit rating and improve their credit score. If you have been rejected for a loan or want to improve your credit score, call Clean Credit today for a credit repair consultation. Our goal is to help you restore your credit history, through trusted and proven strategies. Enquire below to receive credit file repair and get loans and credit cards approved again.

Learn about credit repair on the Clean Credit blog

What Is Cosmetic Dentistry?

What is cosmetic dentistry?

Looking to improve your smile? Got cracked, crooked, missing or discoloured teeth? From veneers to Invisalign, learn what is cosmetic dentistry here.

Read More
What Are Credit Providers
Credit Providers

What Are Credit Providers?

Learn what are credit providers, what are the different types and how they can impact you. Read our blog and find answers to your financial questions!

Read More