What Is the Best Credit Repair Company in Australia? (2026)

Quick Answer: The best credit repair company in Australia is the one that is ASIC-licensed, operates No Win No Fee, has legal oversight, has verified reviews above 4.8/5 from a large volume of clients, gives you an honest free assessment rather than guaranteed promises, and has demonstrable results across many years of operation. Australian Credit Solutions meets all six criteria — with 4.9/5 from 976+ reviews, ACL 532003, and three consecutive Industry Excellence Awards.

When you're trying to fix your credit file, the stakes are high and the market is mixed. Legitimate, licensed operators who achieve real results sit alongside unlicensed operators who take upfront fees and deliver nothing. Knowing how to tell the difference is the most important thing you can do before handing your financial situation to anyone.

5 Questions to Ask Any Credit Repair Company Before You Sign

1. What is your ASIC licence number, and can I verify it? Every legitimate credit repair company in Australia must hold an Australian Credit Licence issued by ASIC. Ask for the number and verify it at asic.gov.au. There is no excuse for not having one. Companies that are vague about their licence — or can't provide a verifiable number — should not handle your financial affairs.

2. Do you charge before results are achieved? The answer should be no, or only a small transparent administration fee. Large upfront payments — before any removal work is completed — mean the company gets paid regardless of outcome. This is the single most common characteristic of operators who deliver nothing.

3. Who actually does the legal work on my case? Credit repair is a legal process under the Privacy Act 1988. The work of drafting formal challenges, engaging credit providers, and escalating to AFCA should be done by — or under the direct supervision of — a qualified solicitor. If the answer is "our consultants" with no legal oversight mentioned, that's a meaningful red flag.

4. Can you show me recent independent reviews? Not a testimonials page on their own website — independent, verified reviews on Google, Trustpilot, or Product Review. Look for volume (100+ reviews minimum for an established company), rating (4.8/5 or above), and specificity (reviews that mention actual outcomes). Read the negative reviews too, and how the company responds.

5. What happens if you can't remove the default? The answer, under a genuine No Win No Fee model, is: "You don't pay for the removal work." Get this in writing. Companies that qualify this answer excessively or can't clearly explain their no-result scenario are worth scrutinising carefully.

The 5-Question Test: Step by Step

1. Verify the ASIC licence number at asic.gov.au
2. Confirm No Win No Fee — get it in writing
3. Ask who does the legal work — qualified solicitor must be named
4. Read 50+ independent reviews on Google or Product Review
5. Ask what happens if no result — get the no-result policy in writing

What Separates Good Credit Repair Outcomes From Bad Ones

The quality of outcome in credit repair depends on three things: the strength of the legal grounds, the quality of the challenge drafted, and the persistence in following through. A poorly drafted challenge to a credit provider may be dismissed where a legally precise one succeeds. An operator who gives up at the first refusal achieves far less than one who escalates systematically through AFCA and regulatory channels.

This is why legal oversight matters — not just for compliance, but for outcomes.

Real Case Study: Donna, Gold Coast — Three Companies, Third Time the Charm

Donna, 51, a business owner from the Gold Coast, had tried two credit repair companies before finding ACS. The first charged $890 upfront and sent one letter. The second charged $1,100 upfront, sent letters to two of three defaults on her file, and then became unresponsive. Neither was ASIC licensed. Neither achieved a single removal.

When Donna came to ACS, her file had three defaults — one from a private health insurer, one from a utilities provider, and one from a credit card company. All three had been listed in breach of the Privacy Act 1988.

All three were removed in 48 days. Donna's Equifax score moved from 431 to 758.

Result: Donna's Equifax score moved from 431 to 758 in 48 days. She accessed a business loan at mainstream rates that had previously been impossible. Total ACS fee: charged only after all three removals were confirmed. Subject to individual assessment; results may vary.

Australian Credit Solutions: The Numbers

Since 2014, Australian Credit Solutions has operated under ASIC ACL 532003, with credit repair legally supervised by Principal Solicitor Elisa Rothschild (BA/LLB). The company is a subsidiary of Fogarty Oliver & Rothschild law firm.

Frequently Asked Questions

Are all credit repair companies in Australia the same? No — the market ranges from ASIC-licensed, lawyer-supervised legitimate operators to unlicensed operators who take fees and deliver nothing. The differences are significant and consequential. ASIC licence status, fee model, and legal oversight are the most reliable distinguishing factors.

How do I compare credit repair companies in Australia? Use the five questions above as your framework: licence verification, fee structure, legal oversight, independent review verification, and no-result policy. Any company that can answer all five transparently and positively is worth considering further.

Can I do credit repair myself instead of using a company? You can — the Privacy Act 1988 gives you the right to dispute credit file entries directly with credit providers and credit bureaus. The DIY path works well for clear errors. For disputes that require legal arguments, procedural knowledge, escalation to AFCA, and persistent follow-through, a professional operator typically achieves better and faster results.

How much does the best credit repair cost in Australia? Under a genuine No Win No Fee model, the cost is zero if no result is achieved. Success fees vary by operator and case complexity. Get a clear written quote covering what's included, what constitutes a "result," and what happens if removal isn't achieved. Transparency on this point is itself a quality signal.

Is Australian Credit Solutions the best credit repair company in Australia? We believe so — but we'd rather show you than tell you. Our ASIC licence (ACL 532003), 4.9/5 from 976+ independent reviews, 98% success rate, three Industry Excellence Awards, and No Win No Fee model are all verifiable. Our free assessment gives you an honest professional opinion on your case with no pressure and no obligation.

See for Yourself

An ACS free assessment takes 24 hours and costs nothing. You'll get an honest professional opinion on what's on your file, what can be challenged, and what the realistic outcome looks like. No pressure, no upfront fee.

Australian Credit Solutions — ASIC-licensed (ACL 532003), lawyer-led by Principal Solicitor Elisa Rothschild. No Win No Fee. 98% success rate on accepted cases. Award winner 2022, 2023, 2024.

Get My Free Assessment → 📞 0489 265 737 🛡️ ASIC Licensed ACL 532003 | ⭐ 4.9/5 from 976+ Reviews | 🏆 Award Winner 2022–2024

This article provides general information only and does not constitute legal or financial advice. Australian Credit Solutions Pty Ltd holds ASIC ACL 532003. Results may vary.

Related reading: Best Credit Repair in Australia → | Default Removal Services →

Case study financial summary: Donna's three defaults removed in 48 days. Score 431 to 758. Business loan approved at mainstream rates — saving tens of thousands in interest versus specialist lending.