STEP ONE: Make sure you have a current copy of your credit file. If not, a copy of your Veda credit file (now Equifax) is provided at no charge if you purchase our “assessment & recommendation” service for $62.70. The credit file is free, but the purchased assessment service is not. You can request our purchased assessment service by clicking here

STEP TWO:   If you already have your credit file just click the “Free Credit repair Quote” tab on our website and submit your credit file for a free quote returned by email.

STEP THREE:   We quickly & clearly identify any issues (if any) and advise if they may be repairable.

STEP FOUR:   If repairable we will offer you a free assessment by our solicitors who specialize in credit reporting law. Any quotes are based on our “No win – No fees” policy, then you decide if you would like us to commence.

STEP FIVE:   An agreement is emailed for you to reply to. You must ensure you have funds ready to pay upon success.

STEP SIX:    The process is commenced of removing Bad Credit issues from your Equifax / Veda or D&B credit file.

Once successful repair is carried out immediate payment is requested for the service as agreed prior to commencement.
Although there are no deposits charged, no admin fees or progress fees, we do not recommend that you incur debt by borrowing funds to pay for these services. You should make sure that you have sufficient funds set aside before any repair service commences.

Note: Some court action removals require a court fee however this is made very clear in initial assessments.

Contact us: 02 5809 8275 or

As part of our service and only at your request, Fix Bad Debt may access your credit file immediately conditional upon your authority being submitted. We are a registered access seeker to the credit file data base of Veda Advantage, now known as Equifax. Our express assessment of your Veda credit check information is a premium service we offer consumers to identify any issues which may require repair on their Equifax Veda credit file without delay. Please be aware that we do not provide direct online access to Equifax / Veda Advantage or any of its related services, nor are we affiliated with Equifax / Veda directly. We do not sell Equifax / Veda credit files or engage in the resale of same. Should we access your Equifax / Veda credit file information as part of our “chargeable assessment and recommendation service” or any other chargeable service, a copy of your credit file information which we have accessed will be provided to you at no cost. We do not provide credit files as a stand alone service, nor do we sell credit files as part of any other service we provide. If we have accessed your credit file on your behalf in conjunction with any of our other services, then you are entitled by law to request a copy be provided to you at no charge.