Credit Genie eradicates black marks, wrongfully listed or unlawful defaults, and court judgments from your credit file. We facilitate reliable credit repair solutions so that you can reclaim financial flexibility.
Our priority is to repair your credit score so you have access to the financing you need and deserve. Take control today with Credit Genie!
Have you had loan applications denied? Is your credit file littered with black marks, defaults, late payments, or court judgments? There is hope to repair your credit file with Credit Genie.
We have helped many Australians, just like you, to improve their credit scores. Our experienced and dedicated team take the time to analyse your specific credit condition and provide you with a tailored solution.
We appreciate that your credit history isn’t a current reflection of your ability to pay back financing. At Credit Genie, we strive to provide you with the greatest odds of having financing approved. We believe your ability to obtain the financing you deserve shouldn’t be hindered by past defaults, black marks or court judgments that are no longer relevant.
Contact us to discuss repairing your credit score, and take the first step towards financial flexibility.
Defaults are late payments which have been recorded on your credit history. These can affect your ability to obtain lines of credit. We work to remove these defaults from your credit file to improve your rating.
Every time you apply for a line of credit, it is listed on your credit file regardless of whether or not it has been approved. This is visible to future lenders, giving the impression that you have tried to borrow more than you can afford.
Court judgments on your credit file are unsettling to potential lenders, indicating you were unable to repay previous lenders without legal action, making you a high risk for future lending.
Black marks on your credit file can be a result of multiple things, including defaults, credit applications and varying activities which can suggest a credit risk. Removing these will make it more likely for you to be successful when applying for credit.
If you are struggling to obtain the credit you deserve because of defaults, credit inquiries, court judgments or black marks than Credit Genie is here to offer you a solution. Creditors may incorrectly place negative citations on your credit file. Through our process of credit repair, we can contest these citations and have them removed.
The process to repair your credit is easier than you think. Negative citations on your credit file can remain for years, but with our credit repair solutions, your record can be cleaned in as little as 30 days. Blemished credit files hold back many Australians from getting the credit they need every year. But by having us repair your credit file, you’ll be able to apply for finance with confidence.
With a clean and repaired credit file, you’ll be able to take advantage of lower interest with more favourable terms and higher credit limits, putting you in control of your finances.
We pride ourselves on getting the job done well. Our experienced credit repair specialists will study your specific credit situation and formulate a tailored plan to suite your needs.
We are assured in our ability to mend your credit file; that’s why our fee is only charged once we are successful.
Our team collaborates closely with credit reporting agencies like Equifax, Illion, and Experian to efficiently repair your credit rating, ensuring that you can obtain finance if and when you require it.
Our experienced team of credit repair specialist are reliable and transparent. We’ll communicate clearly on how we can best help fix your credit file and the necessary step to do so.
Regarding our daily operations, our specialised credit repair team has workstations both at our office and in their homes to ensure the health and safety of our staff and community, enabling us to remain available regardless of the current health crisis situation. If the team is working remotely, they are connected to our secure, central server located in our head office, where your information is always kept safe and secure.
Each member of our Credit Genie team has a workstation and telephone in their home, providing them with the necessary tools to attend to your credit file during this current health and financial crisis.
If you are encountering difficulties in obtaining loan or finance approvals, we strongly recommend that you contact us so that we can evaluate the possibility of repairing your credit file.
Having a high credit score offers you more credit and finance choices, usually with lower interest rates, which is particularly essential when the future is uncertain. With the recent COVID19/coronavirus pandemic, Australians are facing unprecedented challenges, and the news changes every day. As we navigate through these trying times, we are doing everything possible to assist our customers in improving their credit scores and eliminating incorrect or illegal listings.
Credit repair involves examining and rectifying inaccurate listings on an individual’s credit report to enhance their credit score. This may involve removing or modifying unfavourable listings that have been mistakenly added to the person’s file. By achieving a higher credit score, the individual becomes a more desirable candidate for lenders and is more likely to obtain loan or finance approvals.
During periods of financial instability, such as the recent COVID-19 pandemic, it is crucial to establish and maintain a good credit rating. If you require borrowing to help you and your family navigate difficult times ahead, having a favourable credit history will provide you with more financial alternatives through credit file repair.
The last thing you need during a crisis is a negative credit record, which would restrict your ability to seek finance when it is most needed.
Making a payment to clear an overdue account does not result in the removal of a default listing.
Once a listing has been added to your credit file, it will remain recorded for a number of years. Even if the debt is paid, the listing will still be visible on your file. Therefore, it is important to keep track of any outstanding debts, as settling them does not always resolve the issue from a credit rating perspective.
A default payment will remain on your credit file for a period of 5 years if your payment of $150 or more is overdue by 60 days or more. Typically, paying or settling a default will not result in its removal, but your credit file should be updated to indicate that the payment has been made.
If you have a default listed on your credit file that was not lawfully placed, it is critical to address this before applying for a loan or finance. Doing so will provide you with greater confidence when applying and may also result in lower interest rates.
Credit inquiries and court judgments will remain visible on your credit file for a period of 5 years.
Court writs and summons are recorded for 4 years, while bankruptcy, Part 9 Debt Agreements, and Clearouts will be visible for 7 years. External administration and previous directorships are recorded for the longest period of time, remaining visible on your credit file for 10 years.
Credit Genie is a reputable and transparent credit repair company based in Australia. Our dedicated team of credit repair specialists have helped numerous Australians restore their credit history and improve their credit scores. If you have been denied a loan or are looking to enhance your credit score, reach out to Credit Genie for a credit repair consultation.
Our objective is to assist you in repairing your credit file using effective and reliable methods. Complete the enquiry form below to receive credit file repair services and increase your chances of being approved for loans and credit cards once again.
Learn how to repair your credit, improve your credit score, budget wisely and create a more positive financial future.