Transparent Credit Support for Australians

Improve Your Financial Standing with Expert Credit Repair in Australia

Struggling with credit issues? Easy Credit Repair helps Australians understand and address credit reporting concerns through lawful and regulated processes. We do not offer magic fixes. Instead, we provide the expert advocacy you need to take control of your financial future.

Our Methodology: Accuracy Over Shortcuts

Integrity is our primary asset. Every case begins with a comprehensive merit assessment. We provide clear and evidence-based counsel on what can legally be challenged and what cannot. We ensure our clients have realistic expectations and the knowledge required to maintain a healthy credit profile for the long term.

Revolutionizing Credit Repair

Regulated, Experience-Led Credit Support

Easy Credit Repair assists consumers by reviewing credit reports and identifying potential reporting or compliance issues under Australian law.

All work is conducted in accordance with:

  • The Privacy Act 1988
  • The National Consumer Credit Protection Act
  • Australian credit reporting obligations applied to lenders and reporting bodies
We support clients across Sydney, Melbourne, Brisbane, Perth, Adelaide, and Tasmania.
Credit Repair in Australia

Performance-Based Pricing With Clear Limits

Easy Credit Repair operates on a success-based pricing model. If a dispute does not result in a change, you do not pay for that outcome.

Important information to understand:

  • Accurate and lawfully reported information cannot be removed
  • Consumers can dispute credit report errors directly at no cost through Moneysmart or the relevant ombudsman
  • Our service provides professional assistance, structure, and advocacy, not exclusive access to dispute rights

These options are explained clearly during your consultation so you can make an informed decision.

Let's fix bad credit

We don't just fix your credit; we help maintain a healthy credit score.

Every journey with us begins with understanding—your goals, challenges, and the life you envision. Then, we bridge the gap between your current credit situation and your future financial freedom. Our process is transparent, tailored, and tested, ensuring the peace of mind you need.

Expertise You Can Trust

As a seasoned credit repair company in Australia, we have honed our skills and knowledge to provide you with the best possible outcomes.

Custom Credit Solutions

Your financial situation is unique, and so is our approach to improving your credit.

Flexible Payment Plans

We believe financial freedom should be accessible. Our in-house-managed direct debit payment plans are designed with your convenience in mind.

why choose us

The Easy Credit Repair Difference

At Easy Credit Repair, we’re not just another credit repair company. We’re your partners in financial success, committed to helping Australians from all walks of life achieve their dreams. With hundreds of satisfied clients across Brisbane, Sydney, Adelaide, Perth, Melbourne, and Tasmania, our reputation speaks for itself. We are dedicated to providing world-class credit repair services that make a real difference in your financial life.

  • Licensed Australian Credit Representative oversight
  • AFCA membership providing external accountability
  • Compliance-focused, education-led approach
  • Clear communication without pressure or exaggerated claims
  • Support for clients across major Australian cities and regions

Each case is handled individually, with accuracy and transparency at the centre of every decision.

easy credit repair

Our Credit Repair Services

We offer a wide range of services to help Australians manage their credit scores and achieve their financial goals.

Resolving Credit Defaults

We work to address inaccurate or outdated defaults on your credit report.

Managing Credit Health

Our experts implement strategies to improve your overall credit standing.

Investigating Credit Enquiries

We help review excessive or unauthorized enquiries that may be impacting your score.

Addressing Court Judgements

Our team assists in resolving and potentially removing inaccurate court judgements.

Reviewing Negative Listings

We work to address listings that may be unfairly affecting your file.

Addressing Identity Theft

We help resolve issues related to identity theft or mixed credit files.

Debt Negotiation

We assist in communicating with creditors to settle or reduce outstanding debts.

Ongoing Support and Education

We provide the tools you need to maintain a healthy score long after our work is done.

Consumer Advocacy Grounded in Australian Credit Law

Meet the Founder

Easy Credit Repair was founded by Kuldeep Singh, a seasoned professional with over 17 years of extensive experience in the Australian professional landscape. The firm operates as a transparent, expert-led service dedicated to restoring consumer credit integrity. Unlike “quick-fix” services, our approach is strictly grounded in Australian Credit Law, compliance, and consumer rights. We prioritize long-term financial health and education over shortcuts or unrealistic guarantees.

Regulatory Credentials & Accountability

As a licensed professional, Kuldeep’s work is governed by industry standards and external oversight:

  • Authorised Australian Credit Representative: #552536
  • AFCA Member (Australian Financial Complaints Authority): #102217
We support clients across Sydney, Melbourne, Brisbane, Perth, Adelaide, and Tasmania.
Kuldeep Singh ECR

General FAQs

Frequently asked questions

We’re here to ensure your experience with us is as seamless and enjoyable as possible.

The default will remain for at least 5 years from the date of listing depending on the type of default listed.

No, the default will remain for at least 5 years. However, they are required to update the listing from outstanding to paid or settled, this will assist your score but not as much as having it entirely removed.

Yes – however this will depend on whether the company followed the correct procedures or not.

It completely depends on the credit provider, it can range from a few days to a few months depending on how fast the credit provider takes to deliver an outcome. From our end, we will never add to the delays, we start works the day you engage us and respond to credit providers within 24 hours pending any further information we may require from you.

If we believe you have a strong case for removal we can make an application on your behalf to the relevant complaints authority to escalate the request. We do this only after consulting with you and there is no extra fee for this.

It depends on your financial goals, loan applications may be rejected or possibly have higher interest rates depending on your situation. If you have a good credit score, it can be one less barrier in this processes.

We are a no nonsense credit repairer, we will tell you exactly what you need to hear in relation to your credit file and we have a low refundable deposit which means we can get to work faster for you.

You can find the details below, if you would like our assistance we can obtain an immediate credit file for you as part of our FREE assessment.

Equifax Australia
www.equifax.com.au

13 83 32

Illion

www.illion.com.au

1300 734 806

Experian

www.experian.com.au

1300 783 684

Let's Talk!

Start With Clarity, Not Commitment

A no-obligation consultation allows you to understand your credit report and what outcomes are realistic under Australian law. Easy Credit Repair exists to help you navigate the system with confidence and lawful support.

Schedule a FREE Consultation

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Bespoke Solutions, Quality-Assured: Services Designed to Meet Your Unique Needs