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Credit repair

Don't pay to fix your credit report — do it yourself for free

Page reading time: 2 minutes

If you have a poor credit score or an error in your credit report, it may affect loans or credit you apply for. You have a right to get errors fixed for free, and you can arrange this yourself.

Beware of paying credit repair companies that claim they can 'clean' your credit report by having information removed. This may not be true. Information that is correct, even if you don't like it, can't be removed.

What you can get fixed (for free)

Here are some of the typical errors in credit reports. You can get these fixed for free.

Errors by the credit reporting agency

The credit reporting agency may have reported your information wrongly. For example:

To fix this kind of error, contact the credit reporting agency. They may be able to fix it straight away or help you get it changed.

Errors by the credit provider

A credit provider may have reported information wrongly. For example, they:

To fix this kind of error:

If you can't reach an agreement, contact the Australian Financial Complaints Authority (AFCA) to make a complaint and get free, independent dispute resolution.

If you're struggling to get something fixed, you can contact a free financial counsellor for help.

What you can't change or remove

You can't change or remove any information on your credit report that is correct — even if it's negative information.

For example:

For a full list, see what's in your credit report.

Avoid credit repair companies that claim they can clean up this sort of thing or fix your debt. They may not be able to do what they say. They may also charge you high fees for things you can do by yourself for free.

Paying a credit repair company is unlikely to improve your credit score.

How to improve your credit score

If your credit score is low, there are steps you can take to help improve it. You can:

As you do these things, your credit score will start to improve. So you'll be more likely to be approved next time you apply for a loan or credit.

If you're struggling to pay bills and are getting into more debt, talk to a free financial counsellor. They can take you through the options and help you make a plan.