2,604 reviews
AI reviews summary
Credit Repair Australia receives high praise for its supportive and non-judgemental approach to debt management and credit restoration. Customers frequently highlight the empathy and professionalism of the staff, particularly noting that the service significantly reduces financial stress. While the vast majority of feedback is positive, a small segment of users has raised concerns regarding high fees and the effectiveness of the service for legitimate credit entries.
Pros
- Empathetic and Non-Judgemental Support: Staff members are consistently described as kind, patient, and understanding, creating a safe environment for clients to discuss sensitive financial difficulties.
- Clear and Transparent Communication: Consultants take the time to explain complex financial terms and processes in plain English, ensuring clients understand their options and the steps involved.
- Effective Stress Reduction: Many clients report a significant "weight lifted off their shoulders" after engaging the service, citing manageable repayment plans and proactive debt consolidation.
- Dedicated Case Management: Case managers, particularly Maria, are frequently commended for going above and beyond, providing regular updates and remaining proactive even outside of standard office hours.
Cons
- High Service Fees: Several users noted the service is expensive, with some reporting costs between $2,800 and $4,700, which can be a significant burden for those already in financial distress.
- Variable Results for Legitimate Enquiries: There are reports that the service may not be able to remove credit enquiries or defaults if they are found to be factually correct, leading to dissatisfaction over the cost-to-result ratio.
- Communication Lapses: While most experience proactive service, a small number of clients reported poor follow-up, delays in receiving credit reports, or difficulty contacting the team after making payments.
- Aggressive Debt Recovery: A few reviewers flagged that the company referred their unpaid service fees to debt collection agencies even when the clients felt the promised results were not delivered.
Verdict
Credit Repair Australia is a highly-rated service for those seeking professional guidance and emotional support through debt consolidation and credit repair. It is particularly effective for individuals overwhelmed by financial stress who value clear, compassionate communication; however, potential clients should carefully weigh the high upfront costs against the likelihood of success for their specific credit file issues.
Credit Repair Australia have been so great getting me back on my feet. Maria especially, has been so informative and helpful with everything. And thank you to Kev as well for kick starting the process. Great customer interaction! Show details
Reviews with attachments
I’m very happy with the response I’ve had with Rebecca looking after my file. I’ll give me the breather that I needed. Yes I would recommend. Show details
Improving my credit scores after bankruptcy – I spoke with Linda today to discuss my credit options and she was extremely helpful and very supportive and knowledgeable which gave me great peace of mind. I’m extremely confident moving forward in improving my credit reports with Credit Repair and Linda after being in bankruptcy for the past 5 years. I highly recommend dealing with Linda for all of your credit needs. Thanks in advance! Michael Hardy - Surfers Paradise Queensland. Show details
Satisfaction – Good morning guys I would like to thank Mina and Maria for their lovely support and guidance through this process to get my debts sorted they've been very professional and caring thank you for your professionalism. Yours in partnership Anthony. Show details
Thank you Kevin and Maria – Maria Nguyen my case manager and Kevin Quail are very professional and they have explained to me everything in a way I can understand. My stress came down big time thank you so much Show details
Matt & Maria – I'm so happy with the service with Credit Repair Australia. Thank you Matt and Maria for your service. Show details
I strongly advise others to be extremely careful dealing with this company. They asked approximately $4700 for them to “repair” my credit file after my identity was stolen. From the beginning, they made big promises about fixing everything on my record. However, after making payments, I saw absolutely no results. My credit score did not improve… Read more
at all, and no meaningful work appeared to be done on my file.
Communication was also very poor. After receiving payments, they stopped contacting me altogether. I had to chase them repeatedly with no proper response or updates.
To make matters worse, when I stopped paying due to the lack of progress, they transferred my case to a debt collection company to recover more money despite not delivering the service they promised.
In my experience, this company did not provide any real credit repair services. Instead, they took my money and failed to act. I feel completely misled and taken advantage of.
I have now formally requested that they resolve this issue, and if they do not respond, I will proceed with legal action.
Please be cautious before signing any contract or making payments to this company.
Latest follow-ups
Great information and explains things well and gave you lots of options Show details
Follow-up · The fact that I cancelled my prescription within the 3days and then realised I was still getting charged for 3weeks is pretty crappy service if you ask me.
Excellent customer service I really felt the team cared about my situation Show details
Follow-up · I don’t know how to work with the portal and this makes the process difficult
I was so scared to contact them, but they were so nice and understanding of my situation and has helped me beyond words! Would highly recomend for anyone who is stuck or struggling! Show details
Follow-up · The outcome has been great and my default has been cleared! I am beyond grateful for their assistance and understanding! The process was so easy! Would recommend to anyone:)
In-depth reviews
I would highly recommend Maria Nguyen from Credit Repair Australia. From the very beginning, she supported me throughout the entire application process with professionalism, patience, and genuine care. Maria was always proactive, regularly checking in and answering my questions quickly — even outside of office hours. I would also like to thank… Read more
Zac, who assisted me during the application process. He took the time to clearly explain every detail that I needed to know and made sure I fully understood each step along the way.
Working with Maria and Zac was truly one of the best decisions I’ve ever made. They made everything feel smooth and stress-free. Both of them are incredibly knowledgeable, warm, friendly, and genuinely care about helping their clients succeed.
Thanks to their support, I can now focus on saving and managing my finances better. Two thumbs up for both of them!
If you’re considering credit repair, Maria and Zac are exceptional and people you can absolutely trust.
I cannot thank Credit Repair enough, especially Barry, who supported me for over five years. When I first approached Credit Repair, I was stressed and overwhelmed, unsure how I was going to manage my monthly payments to creditors. I was determined to repay my debts and was very reluctant to consider bankruptcy. Barry and the team negotiated a… Read more
manageable monthly repayment plan on my behalf, which immediately eased my stress. I made regular payments for nearly four years. Then my circumstances changed — I was made redundant, faced several unexpected challenges, and ultimately had to relocate from Australia.
I contacted Barry to explain my situation. I wanted to continue paying my debts but needed to review the repayment amount. Barry negotiated a four-month grace period with my creditors. He also successfully negotiated settlements with two creditors, which I was able to pay off immediately. After reviewing my updated budget, we agreed on a new, affordable fortnightly repayment amount.
Despite my difficult circumstances, Barry advocated strongly on my behalf. He explained that I was genuinely struggling and, thanks to his persistence and professionalism, my creditors agreed to wipe the remaining balance. This left me debt-free and gave me the fresh start I truly needed.
Barry’s wonderful demeanor and positivity made every meeting a pleasure. He is a true asset to the credit industry and to Credit Repair. I am incredibly grateful for his support and dedication.
Find out how Credit Repair Australia compares to other Debt Consolidation Services
Know better, choose better.
I had the most positive experience with Credit Repair Australia from the very first discovery call through to my second consultation with Celine. From the start, the team was professional, supportive, and genuinely committed to helping me understand my credit situation and the options available to improve my score. Their transparency about the… Read more
process, what to expect, and how they work made me feel confident and informed every step of the way, something that isn’t always easy when dealing with credit concerns.
Celine was absolutely amazing. She took the time to explain everything clearly, answered all of my questions with patience, and made sure I understood exactly what was happening and why. Her knowledge, clarity, and friendly approach completely put me at ease. I felt heard, supported, and genuinely cared for, not just another client. If you’re looking for honest guidance and real support to help fix your credit score, I couldn’t recommend Credit Repair Australia more, and especially Celine, for making this experience straightforward and reassuring!
Positive reviews
I didn’t know how bad my credit score was and that I could fix it with a great service like credit repair Australia, the lady was so very helpful and nice to talk to and now I’m on the road to fix my credit score. Show details
After working with Maria at credit repair I have had my insolvency debt agreement application accepted, saving thousands of dollars and reducing my payment period significantly! This is a great outcome that will most certainly improve my circumstances. Maria is prompt, confident and informative about the process, she is patient in answering… Read more
questions and stayed engaged where it mattered. She did very well to settle my nerves during the voting period, even fighting to gain refunds from my creditors during the voting period where my direct debits to creditors are frozen.
I cannot recommend her services enough.
I first spoke to Kevin & he explained the process clearly. He was helpful in answering my questions. I soon realised that using Credit Repair was a good solution to my debt problems. I was then transferred to my Case Manager Maria & she went into more detail about how to get process started. She was also very helpful & supportive. I'm very happy with the service so far & look forward to managing my debts in one easy repayment. Show details
Negative reviews
Scam company. All they can do is confirm details. They expect $6000 to simply call people and confirm you debt. They have done nothing for me. I cancelled the plan and now they are harassing me for money. They are not getting another cent of my money. DO NOT USE. SAVE YOUR MONEY!!!! Show details
Hi Mark, Thank you for your feedback.… Read more (+1 reply)
STAY AWAY FROM THIS COMPANY !!!! I an a current client and I have never had a more frustrating business to deal with I get absolutely no help what so ever if I want to ask for information and dont even try to call. Show details
Sadly it took writing a bad review to get help in regards to my account BUT finally I was contacted… Read more
Absolute scam of a service ! Trying to get out of next and they’re here getting me into bigger debt. Making me pay almost 4K for services I NEVER EVEN USED or fully agreed too cause they sneakily speak these things quickly over the phone . Frauds Show details
Recent reviews
So thankful I came across Maria N at Credit Repair, and she has helped me enormously, has dealt with creditors on my behalf and has always been available to answer any questions I have.Thank you doesn’t seem enough for all Marias support. Show details
Just wanted to thank you Linda for understanding my situation and putting all your effort trying to help me out, she such an amazing person can’t wait to hear from you on the 3rd of July Show details
Find out how Credit Repair Australia compares to other Debt Consolidation Services
Know better, choose better.
I have been with Credit Repair Australia for three weeks and have found the team professional, responsive, and proactive in reviewing my file and addressing credit enquiries. Show details
Clarification on general solutions and refreshing certain standards of progress going forward. Knowing how delays of pure frustration to something simply in having spoken to both representatives. Thank you both and will await outcome. Show details
I was in very bad shape,I researched a few and credit repair was the first one who reached out and we started discussing my situation and I decided to chose this company to help me . Now I cam sleep better and yes it’s not easy start bur credit repair makes everything easier for me Show details
Being a big help and taking alot of stress from worry about sorting out my debts appreciate the help they do and sites they link u to make it easy to track wat they do for u thank u to all the team for ur help Show details
Had a really good experience with Credit Repair Australia. Maria was fantastic throughout the whole process, always keeping me updated and making everything easy to understand. Show details
My experience was amazing, I obtained important information with an extremely helpful lady, we went through a lot of information she assisted me with any questions. Show details
Hi my experience with first Lynda was a great help as further days with Maria which was amazing as she had to cover alot of patients.100%thsnkful for there service. Show details
I rang Credit Repair Australia with little hope that I would find a solution for my current situation. Speaking with Kevin and Maria today made me feel completely at ease with being able to manage my situation and get myself back on track. They gave me judgement free advice and guidance to suit my situation. I couldn’t have asked for a better experience. Show details
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Hi Noah, Thank you for your feedback.… Read more