Fix my credit rating with Clean Credit

Have you checked your credit score recently?
Do you have an unexpected default from a telecommunications provider?
Were you surprised to see a low credit score?

It may be reassuring to know that you’re not alone. As a matter of fact, millions of Australians are unaware of their credit score; so what is a credit score and how can it impact you?

The importance of a credit score

A credit score is a number that represents the state of your credit file. This number is used by creditors such as banks or alternative lenders to assess your creditworthiness. In other words, your credit score can help creditors determine whether or not you are capable of repaying back a loan. So, now that you are aware of what a credit score is, let’s see how it can impact your ability to get a loan.

Steve’s car loan application

Steve has been trying to buy a new car for the past 6 months. Two years ago, he was temporarily unemployed. During this time he missed a few electricity bills. It was extremely difficult to manage his finances. After trying to apply for a car loan, Steve was rejected.

The lenders had informed Steve, that his credit score was really low. Steve eventually checked his credit score, to realise that he had 2 defaults on his file. One was from an electricity provider, and the other from a telecommunications company. When assessing his loan application, the lenders had noted his defaults. This had dragged his credit score down. In the eyes of the lenders, Steve was considered a risky borrower. Unfortunately, Steve was unable to secure finance.

A low credit score can make it harder to secure a loan

It can become really easy to miss a payment. Sadly, all that takes is one late missed repayment to lead to a default. So, if have ever missed a payment for over 90 days, it may be time to check your credit score.  A low credit score can have a disastrous impact on your ability to secure a loan.

I’ve checked my credit score and there is a default. How do I fix my credit rating?

Don’t panic. It’s not the end of the world. The first step to repairing your credit is understanding why your credit score is low. A credit repair agency can quickly assess your credit file to establish what is affecting your credit score. It is important to reach out to a trusted credit repair agency, as some agencies are not transparent in their operations.

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How to fix my credit rating:

Part 1: Get in touch with clean credit

Clean Credit is an industry leader in credit repair. We specialise in removing and improving negative credit listings such as those annoying defaults, court judgments or black marks.

A. Investigate

Clean Credit request information from the credit providers. The information is used to investigate and identify any grounds to remove the bad credit listing.

B. Dispute

Clean Credit prepares a dispute that highlights any errors in the process the credit provider followed when listing your default. Clean Credit will communicate your circumstances at the time and escalate the matter to have your default listing reviewed.

C. Remove

Clean Credit deal directly with credit reporting agencies such as Equifax and Ilion to facilitate the removal or correction of your bad credit rating.

Part 2: Develop good money habits

Credit repair is a two-part process. Once you have successfully improved your credit score, you must ensure that you don’t fall back into bad habits. The last thing that you want is another default. For this reason, you must learn how to develop positive money habits, particularly around budgeting, saving and increasing your income. Check out our blog page for a range of tips and tricks on how to stay in control of your finances.