Credit Repair Companion review
If incorrect credit report listings are holding you back, Credit Repair Companion could help.
What is Credit Repair Companion?
Credit Repair Companion helps you to dispute bad credit listings on your credit report, so that you can get your credit score back on track.
It provides a service that you can do yourself for free, but if you're feeling overwhelmed by the process or unsure where to start, this might be a helpful service for you.
How does Credit Repair Companion work?
If you have any discrepancies or bad listings on your credit file, Credit Repair Companion will help you take the steps to remove them.
It provides tailored dispute letters, automated audit tools and further tips and resources.
Credit Repair Companion helps you to dispute:
- Credit enquiries: Any applications for credit whether you've been approved or not. It can make it harder for you to get credit because if you have multiple credit applications you seem an untrustworthy borrower. These stay on your credit file for 5 years.
- Default listings: Any debt that is 60 days or more overdue. These stay on your credit file for 5 years.
- Serious credit infringements: Any debts where it seems like you're not paying it back at all. These stay on your credit file for 7 years.
Although anyone can access their credit file and dispute listings, Credit Repair Companion helps you navigate how and provides a helpful tracking system.
What are the benefits and drawbacks of Credit Repair Companion?
Pros:
- Credit Score Companion will provide you with everything you need to dispute listings
- Helpful tracking tool
- One off upfront cost per listing - no ongoing fees
Cons:
- If you have multiple credit infringements it could become costly
- If you know what you're doing, you could do this for free
How much does Credit Repair Companion cost?
There are no ongoing fees to use this service, it simply charges a one-off fee per listing you want to dispute.
- Credit enquiry: $49 per enquiry
- Default listing: $179 per default listing
- Serious credit infringement: $189 per serious credit infringement
More guides on Finder
-
Credit Repair Australia
Credit Repair Australia can help you sort out your credit score and improve your chances of getting a loan or credit card.
-
Mobile phone plans and credit checks
Missing a phone bill can end up hurting your credit score, but simply having a mobile plan won't impact your credit report.
-
What is a good credit score?
The average Australian has a "very good" credit score according to Finder analysis. Here's how credit scores are categorised in Australia, and how to check yours.
-
Credit reporting agencies in Australia
Credit reporting bureaus issue credit reports and scores to consumers and lenders. Discover how they work in this guide.
-
How to request a credit ban in Australia
Placing a ban on your credit report can help to protect you from fraud. Here's how to request and extend bans with Experian, Equifax and ilion in Australia.
-
Will cancelling a credit card affect my credit score?
If you're planning to cancel a credit card, here's what you need to know about the impact it could have on your credit score.
-
How to improve your credit score?
9 things you can do today to start improving your credit score.
-
Credit repair in Australia
How to remove incorrect negative listings from your report and adopt positive money habits to get your credit history back on track.
-
How long do credit enquiries stay on your credit file?
How to remove enquiries from your report in 4 steps and a guide for improving your credit score.
-
How to improve your credit score with a credit card
Discover how you can use a credit card to build or repair your credit history.
Ask a question