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Overview is a website that claims to offer credit repair services to Australian consumers. They claim to be able to remove negative items from your credit report, such as defaults, judgments, bankruptcies, and inquiries. They also claim to be able to improve your credit score and help you get approved for loans and credit cards. They charge a one-time fee of $499 for their service, which they claim is refundable if they are unable to remove any negative items from your credit report.


Regulation and Compliance: is not a registered Australian company. They do not have an Australian Business Number (ABN) or an Australian Credit Licence (ACL). They are not regulated by the Australian Securities and Investments Commission (ASIC) or any other Australian authority. They are not members of the Australian Financial Complaints Authority (AFCA) or any other dispute resolution scheme. They do not comply with the National Consumer Credit Protection Act 2009 (NCCP Act) or the Privacy Act 1988 (Privacy Act).


Customer Reviews: has very few customer reviews online. The few reviews that we could find were mostly negative, complaining about the poor quality of their service, the lack of communication, the failure to deliver results, and the difficulty of getting a refund. Some customers also reported that used aggressive and harassing tactics to pressure them into signing up or paying more fees.


Products and Services: offers only one product: credit repair. They do not provide any other financial services or products, such as debt consolidation, budgeting, financial counseling, or credit education. They do not provide any evidence or guarantee of their credit repair results. They do not explain how they remove negative items from your credit report or how they improve your credit score. They do not disclose the risks or limitations of their service.


Location: does not have a physical address in Australia. They operate from a virtual office in Sydney, which is shared by many other businesses. They do not have a phone number in Australia. They only communicate with their customers via email or online chat. They do not have a local presence or representation in Australia.


Customer Service: has a very poor customer service. They are hard to reach and often ignore or delay their customers’ queries and requests. They do not provide any updates or progress reports on their credit repair process. They do not respond to complaints or disputes. They do not honor their refund policy or their terms and conditions.


Is Your Money Safe in an unregulated company?

No, your money is not safe in an unregulated company like If you pay them for their service, you have no guarantee that they will deliver what they promise or that they will follow the law. You have no protection or recourse if they scam you, rip you off, or damage your credit further. You have no way to verify their identity, credentials, reputation, or performance. You have no access to any independent or impartial dispute resolution scheme if you have a problem with them.


Defensive Measures Against Credit Repair Companies:

If you are considering using a credit repair company, you should be very careful and cautious. You should do your own research and due diligence before you sign up with any company. You should check if they are registered, licensed, regulated, and compliant in Australia. You should read their terms and conditions carefully and understand what they can and cannot do for you. You should ask for evidence and guarantees of their results and fees. You should avoid paying upfront fees or signing long-term contracts.


You should also know that you can do your own credit repair for free. You can obtain your own credit report from one of the three national credit reporting agencies: Equifax, Experian, or illion. You can check your report for errors and inaccuracies and dispute them directly with the credit reporting agency or the creditor. You can also improve your credit score by paying your bills on time, reducing your debt, and applying for credit sparingly.


Conclusion: is a scam website that offers fake and illegal credit repair services to Australian consumers. They are not registered, licensed, regulated, or compliant in Australia. They use misleading and deceptive conduct to lure customers into paying for their service, which does not work and can harm your credit further. They have a very poor customer service and do not honor their refund policy or their terms and conditions. They are subject to an ASIC alert that warns consumers to avoid them.


We strongly advise you to stay away from and any other credit repair company that is not regulated or reputable in Australia. You should do your own credit repair for free or seek professional help from a licensed and trustworthy financial service provider.