Credit Repair Enquiry Form

Enquire with a credit repair specialist and you may increase your chances of getting your loan approved.

Benefits of Credit Repair – Cleaning up your Credit File can:

  • Improve the interest rate you are offered
  • Make the difference between an approval or a decline
  • Give you wider choice with lenders and financiers
  • Allow you to refinance at better terms saving you on interest charges
  • Regain control of your finances

Things you might be asked when applying for Credit Repair

  • Do you have any paid or unpaid defaults on your credit file?
  • The cost to fix your credit file can be in excess of $1,000 for the first default and $500+ for each default there after. Are you willing to invest this sort of money to repair your credit file?
  • Have you applied for Bankruptcy or are in Bankruptcy?
  • How soon do you need your credit file repaired?
  • how important is it to have the defaults removed from your credit?

Often a good first step is check your credit file to see why you may be getting declined for credit. There may be an error on your file which the credit repair company can help remove.

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4 Responses to Credit Repair Enquiry Form

  1. Default Gravatar
    Paul | March 23, 2013

    how can i get the consumer credit inquiries removed and erased off my Veda file asap

    • Staff
      Jacob | March 23, 2013

      Hi Paul. Thanks for your question. According to the Consumer Credit Legal Centre NSW, ‘Credit applications, overdue accounts (over 60 days) and court judgments are held on your file for 5 years from the date of listing.’ You may want to consider using a credit repair service to try and get your file ‘cleaned up’; however, in most instances, you will need to wait the allocated timeframe.

  2. Default Gravatar
    Danny | October 2, 2012

    I had a bad mark on my credit file. This has cleared after the 5 year wait time, but I cannot get approved for a credit card. My credit file is clear I was just wondering if you have any suggestions for helping to get my credit rating restarted?

    My partner and I were approved for a home loan. But couldnt find a house. Would getting a joint card with my partner help to get my credit rating back up?

    Any suggestions would be great.

    • Staff
      Jacob | October 3, 2012

      Hi Danny. We spoke to a bank about what people with a bad credit history should do when looking to get access to credit. Here’s what they said.

      Thanks for your question.

Credit Cards Comparison

Rates last updated October 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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