Fix Bad Credit

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Fix Bad Credit Don’t let bad credit hold you back! Achieve your dreams with our personalised credit repair and debt management solutions.

01/10/2026

Luke was trying to buy a home.

One default was standing in the way.

His credit score was 306.

We challenged the default.

It was removed.

Luke’s reaction?

“Mate… that’s f*ing made my day.”

That’s the bit people forget about credit reports. It’s not just a number. It can affect what you’re able to do next.

Something on your credit report holding you back?

Don’t just accept it.

Find out whether it deserves to be there.

Every case is different and outcomes are not guaranteed.

Need money quickly? Before taking out a payday loan, check what it’s really going to cost you.Payday loans can have high...
28/09/2026

Need money quickly? Before taking out a payday loan, check what it’s really going to cost you.

Payday loans can have high fees and interest, so a small loan can end up costing a lot more than you expected.

If you’re looking for bad credit help or having trouble getting mainstream finance, there may be other options worth checking.

Depending on your situation, No Interest Loans (NILS) or community-based lending may be worth looking into.

Before you apply, check the interest, fees, repayments and total amount you’ll pay back. The numbers can tell you a lot.

If you’re also working on your credit report, start by understanding what’s actually on it and what may need attention.

Have you ever checked the total cost of a loan before applying? What surprised you?

Putting together a rental application? Make sure the important details are there.Include the documents the property mana...
22/09/2026

Putting together a rental application? Make sure the important details are there.

Include the documents the property manager asks for, such as proof of income or employment and rental references. If something needs explaining, a short, honest note can help give them some context.

Worried about something on your credit report? Check what’s listed and make sure the information is correct.

And if you have questions about your credit report, message Fix Bad Credit to see how we may be able to help.

15/09/2026

When was the last time you checked your credit report?

It’s easy to forget about it until you’re applying for finance. But checking your credit report now and then can help you understand what’s actually recorded under your name.

Look out for anything that doesn’t seem right, credit enquiries you don’t recognise, or negative listings that might be worth checking.

If you do spot something, there may be options depending on what’s showing on your report.

Not sure what you’re looking at? Comment “REPORT” or message Fix Bad Credit and we can help you understand what may be worth reviewing.

Worried your credit could get in the way of a home loan? Start by checking what’s actually on your credit report.A lower...
14/09/2026

Worried your credit could get in the way of a home loan? Start by checking what’s actually on your credit report.

A lower credit score or negative listing doesn’t always mean buying a home is off the table.

Lenders look at more than one thing when assessing a home loan, and your credit report can be part of that.

Checking your credit report before you apply can help you see what’s there, spot anything that may need reviewing and get a clearer idea of where you stand.

If something doesn’t look right, there may be options depending on your situation.

Not sure what’s on your credit report? Message Fix Bad Credit to see how we may be able to help.

11/09/2026

A home loan decline doesn’t always mean the end of the road.

When Riini’s home loan was declined, issues on his credit report needed a closer look.

The Fix Bad Credit team reviewed his credit report and disputed incorrect information. Within weeks, his credit score improved, giving him a clearer path forward with his home loan plans.

Riini’s experience is a good reminder that if a home loan is declined, it can be worth checking your credit report to understand what’s actually recorded. If information is incorrect or eligible for review, there may be options available.
Every situation is different, and results can vary.

Not sure what’s on your credit report? Message Fix Bad Credit to learn what options may be available.

Your credit history can matter in places you might not expect.When you apply for electricity, gas, mobile or internet se...
08/09/2026

Your credit history can matter in places you might not expect.

When you apply for electricity, gas, mobile or internet services, some providers may check your credit before approving certain accounts or plans.

So, it’s worth knowing what’s actually showing on your credit report in Australia.

A quick check could help you find:
✓ Mistakes or old information that shouldn’t be there
✓ Defaults or other listings you weren’t aware of
✓ What a provider may see when they check your application

Found something that doesn’t seem right? Depending on the listing, you may be able to have it investigated or corrected.

Message Fix Bad Credit to find out what options may be available.

Looking for a clearer way to manage repayments? When there are several debts or repayments to keep track of, having ever...
07/09/2026

Looking for a clearer way to manage repayments?

When there are several debts or repayments to keep track of, having everything in one place can help.

One place to start is by listing:
• Amounts owing
• Interest rates
• Minimum repayments
• Essential living expenses

Where the budget allows, paying extra towards higher-interest debt may reduce the interest paid over time, while required repayments on other debts are maintained.

A debt agreement may also be available in some circumstances. However, it can have important financial and credit consequences, so understanding how it works and seeking appropriate professional advice is important before making a decision.

There’s no single approach that suits everyone. Knowing what’s on a credit report and understanding the available options can help make the next step clearer.

Want to learn more about credit reports and how negative listings work? Visit Fix Bad Credit for more information.

01/09/2026

Buying your first home? The purchase price isn’t the only cost to plan for.

Stamp duty can add a significant amount to the upfront cost of buying a property. But depending on your state, property value and circumstances, first-home buyer concessions or exemptions may be available.

Your credit report can also play a part when preparing for a home loan. Checking your credit report early can help you understand what lenders may see and identify information that may need closer review.

If you’re getting mortgage ready and have concerns about information on your credit report, Fix Bad Credit can help you understand what options may be available.

Start by understanding your credit report. Message Fix Bad Credit to learn more.

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Level 1 8 Street Georges Terrace
Perth, WA
6000

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