A credit report is a document that details your financial history. Lenders and credit providers review it when you apply for loans, credit cards, phone contracts, and other types of credit.

If you’ve ever applied for credit—such as a loan, phone contract, or utility account—you likely have a credit report. Around 14 million Australians have one.

Your credit report includes personal details like your name, date of birth, address, and employment information. It also records your credit history, including applications and any defaults. If you own a business, that information might be included as well.

Your credit report plays a key role when applying for new credit products like loans or credit cards. Lenders will check for any negative marks, which could impact your approval chances since they see these as potential risks.

Negative listings such as defaults, court judgments and credit enquiries generally remain on your credit report for five years, while serious credit infringements can stay for up to seven years. Removing these listings can significantly improve your credit standing.

Paying off your debt will update the listing to “paid,” but the negative listing will still remain on your credit report.

Improving your credit report can increase your chances of being approved for loans or mortgages. By removing negative listings, you can present a cleaner credit profile to potential lenders, improving your overall creditworthiness.

Yes, it’s possible, but it often requires a good understanding of credit laws and reporting processes. A reputable credit repair agency like Square Credit Repair can help navigate this complex process more effectively.

It’s recommended to check your credit report at least once a year to ensure all information is accurate and up-to-date. Regular checks can help you spot errors or unauthorised activities early.

The time it takes can vary depending on the details of your case, but most issues are resolved within 30 days.

After your credit repair, it’s important to maintain good financial habits, such as paying bills on time, keeping credit card balances low, avoiding unnecessary credit inquiries, and regularly checking your credit report for errors.

We charge $790 to remove the first default or court action, and $440 for each additional one. The fee for removing a credit inquiry is $160. We also offer interest-free payment plans if you prefer to spread out the payments.

No, we cannot guarantee removal, but we work with a high level of expertise to give you the best chance of success. If we’re unable to remove the black mark, our no win – no fee promise ensures you won’t pay anything.

No, under our no win – no fee promise, you won’t pay anything unless we successfully remove the black mark.

We provide expert services at prices up to 50% lower than others. Our skilled case managers have a strong track record of success. Plus, if we can’t help, you won’t pay a cent.

No, using our service will not damage your credit file. Our goal is to improve your credit report by removing inaccuracies and negative listings, thus enhancing your overall credit profile.

Call us at 1300 600 450 for a free consultation. We’ll discuss your situation and explain how we can help clear your credit file.