1300 436 569

Need credit repair to fix your credit score to get finance approved?

We can remove bad marks from your report and improve your credit score allowing you to buy your dream home, get a new car, or go on holiday.

Credit Repair: Improve Your Credit Score Today With A FREE Consultation

Claim your FREE credit reporting guide (eBook) and a FREE credit reporting assessment (over the phone) Valued at $500

    Credit Repair Services Video Explainer

    Watch this 60 second video and learn how to apply for Honest & Fair Credit Repair in 3 easy steps!


    Fix your credit & improve your credit score Australia wide with our honest & fair services

    Honest & Fair Credit Repair Services

    Since 2013, we have offered genuine honest & fair credit repair services Australia wide.

    We can work on removing unfair defaults, court actions, enquiries and repayment history information.

    In most cases we can remove unfair listings in around 4 to 8 weeks, and we keep you updated every step of the way with weekly email updates.

    If you fill in the contact form above, you will get a copy of our credit reporting guide (eBook) so you can start your journey on learning about and improving your credit report and score.

    Then, if you like, you can email us your credit report for a free assessment over the phone / via email.

    Our friendly consultants all work together in our Sydney office under the guidance of our CEO, Victoria Coster.

    Our CEO, Victoria Coster, has 20 years experience in the credit, finance and legal industries and personally looks after all our clients’ disputes with credit providers.

    We look forward to helping you and your family with your credit reports and building a brighter financial future.


    Debt Management Firms / NEW licence requirements

    Per ASIC’s media release dated 5th May 2021, firms offering debt management services require credit licence to operate.

    As of 10th September 2021 we are OFFICIALLY an Australian Credit Licence holder (ACL Licence No: 531433) to offer debt management services (please note we ONLY offer credit repair services).

    OUR COMPANY: Chelsea Planning & Consulting Pty Ltd T/As Credit Fix Solutions

    We are also now a member of AFCA as per ASIC’s requirements, AFCA member # 82962.

    The whole team is SUPER PROUD that we are a licenced credit repair firm and happy to assist with all your credit reporting education and any credit repair needs!!

    We will update consumers regularly in this section.

    You can check ASIC’s updates here 

    TOP 5 Credit Reporting Tips

    Tip #1

    There are 3 credit reporting bodies (bureaus) in Australia that hold your personal information Equifax, Illion and Experian. It’s best to check all 3 credit reports before you apply for finance:

    Equifax: www.mycreditfile.com.au
    Illion: www.illion.com.au
    Experian: www.experian.com.au

    Tip #2

    Check through your reports and dispute any invalid details with the credit reporting bureau directly. Each credit reporting bureau has a free correction form within their website. There is no need to pay a service to correct incorrect personal information.

    Credit repair services are only needed if you have a complex case and cannot run the complaint yourself and you can afford credit repair services.

    Tip #3

    Don’t just apply online for finance even if you have checked your reports and they seem OK. You can get knocked back for finance for many reasons. We suggest using a local accredited finance broker before applying for finance.

    A broker has access to all sorts of different Lenders and can assess your entire financial situation before applying on your behalf.

    Tip #4

    PLEASE NOTE if you cannot afford our fees, or are currently experiencing financial hardship we cannot accept your application. Please go to www.moneysmart.gov.au for free tips and tools. Charities such as The Salvation Army and Anglicare also offer assistance or you can call the National Debt Helpline on 1800 007 007.

    Tip #5

    We are happy to offer you a free assessment on your credit reports with no obligation. We will not offer you our services unless spending money on credit repair will be a benefit for you and you are not currently a vulnerable consumer or experiencing financial difficulties.

    Fill in the contact form above for your free eBook on credit reporting and your opportunity to claim your free assessment of your credit reports!

    What If Everytime We Do Business
    Something Good
    Happens In The World?

    Our Mission

    Over the next year, we will…

    Fight world hunger by providing clean water to people in need
    Just because you refer clients to us to help fix their credit

    Help save the planet by planting trees
    Just because we’ve helped people remove court actions from their credit reports

    Fight inequality in the world by providing medical treatments to people in need
    Just because we’ve helped people remove unfair defaults from their credit reports

    Make the planet a fairer place by educating children in need
    Just because our wonderful clients have signed up with us to fix their credit

    3 credit repair testimonials from our current referral partners (finance brokers)

    I have utilized the services of Credit Fix Solutions for over 2 years now for at least a dozen of my clients attempting to get into the property market in Queensland. In each instance the clients have had impairment of some sort with their credit reports, and without the services of Credit Fix, I believe they would have never been able to repair their credit reports and obtain finance for their properties. Without them and their services the dozen clients they have helped of mine would not be in their own homes and in most cases, would still be struggling to clear their credit reports.

    Mortgage Broker

    Thanks Victoria & Team, We are now preparing Rodney’s refinance application which will save him thousands of dollars per year in interest at the lower rate. We couldn’t have done this without your help!

    Mortgage Broker

    The team at Credit Fix Solutions are very efficient with great knowledge and negotiation skills. I am confident with using Credit Fix Solutions out of many other credit repair companies for their professional attitude and determination to resolve my clients’ credit issues. As a finance broker I feel confident to refer my business to Credit Fix Solutions who act promptly, professionally and just get the job done

    Mortgage Broker

    If you’d like to read some of our previous client reviews, we have a tonne of Google reviews which you can have a read of here:

    BX Awards Winner Credit Repair
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    “From Zero to CEO takes you from working on yourself, to getting started, finding your target customers, setting up systems, social media and networking right through to making sure your business is compliant.” – Victoria Coster, Author

    Available at Amazon  

    Our CEO, Victoria Coster

    Nominated as finalist in Telstra’s 2019 Business awards and featured in YMag’s Top 10 Women To Watch 2019

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