How It Works Services Pricing Templates FAQ Free Assessment

Take Control of Your Credit Score

Australia's trusted credit repair experts. We help you identify errors, dispute inaccuracies, and rebuild your financial future — for free or with expert guidance.

Get Started Free → See How It Works
AU Regulated
Free Consultation
1,000+ Helped
0
Your Credit Score
+230 points
Default Removed ✓
Score Updated!
0+
Australians Helped
0%
Success Rate
0 ★
Average Rating
Simple Process

How CreditLift Works

Three simple steps to a better credit score. No complicated paperwork, no hidden fees.

1

Free Assessment

Tell us about your credit situation with our quick self-assessment quiz. It only takes 2 minutes.

2

Expert Review

We identify errors, defaults, and disputes on your credit report across Equifax, Experian, and Illion.

3

Credit Restored

Watch your credit score improve as inaccuracies are removed and your report is cleaned up.

What We Do

Our Services

Comprehensive credit repair services tailored to your situation.

Credit Report Analysis

We review your full credit report to identify errors, outdated listings, and opportunities for improvement.

Dispute Resolution

Professional disputes lodged with Equifax, Experian, and Illion on your behalf.

Hardship Applications

We help you apply for financial hardship provisions with creditors to protect your credit file.

Default Removal

Expert assistance removing defaults, court judgments, and incorrect listings from your file.

Credit Score Monitoring

Ongoing monitoring of your credit score with alerts for any changes or new listings.

Personalised Action Plan

A custom roadmap to improve your credit score with clear, actionable steps.

Free Tool

Credit Self-Assessment

Answer a few quick questions to get a personalised recommendation.

Have you checked your credit report in the last 12 months?

Knowing where you stand is the first step.

Yes, recently
Over a year ago
Never checked

Do you have any defaults or negative listings?

Defaults can significantly impact your score.

No defaults
1-2 defaults
3 or more defaults

Have you been declined for credit recently?

Multiple applications can leave enquiry marks on your file.

No recent declines
Yes, once or twice
Yes, multiple times

Are you currently experiencing financial hardship?

There are protections available if you're struggling.

No, I'm managing fine
Somewhat — it's tight
Yes, significant hardship

What's your main goal?

This helps us tailor our recommendation.

Apply for a home loan
Improve my score generally
Remove specific defaults
Free Resources

Letter Templates

Professional templates to help you dispute errors and communicate with credit bureaus.

Dispute Letter — Equifax

Challenge incorrect listings on your Equifax credit report with this professional template.

Preview & Download

Dispute Letter — Experian

Formally dispute inaccurate information listed on your Experian credit file.

Preview & Download

Dispute Letter — Illion

Request correction or removal of incorrect items from your Illion credit report.

Preview & Download

Hardship Letter

Request financial hardship assistance from your creditor to protect your credit file.

Preview & Download

Correction Request

General template to request corrections to personal details or incorrect information.

Preview & Download
Simple Pricing

Choose Your Plan

Transparent pricing with no hidden fees. Start free and upgrade when you're ready.

One-Time
Monthly

Free

Get started with the basics

$0
Free forever
  • Credit self-assessment quiz
  • 1 letter template
  • Basic credit tips guide
  • Full report analysis
  • Expert representation
Start Free
Most Popular

Standard

Everything you need to fix your credit

$49
one-time payment
  • Full credit report analysis
  • 3 dispute letters prepared
  • Step-by-step guidance
  • All letter templates
  • Direct representation
Get Started

Premium

Full-service credit repair

$149
one-time payment
  • Everything in Standard
  • Direct representation with bureaus
  • Ongoing score monitoring
  • Unlimited dispute letters
  • Priority support
Get Premium
Real Results

What Our Clients Say

Join thousands of Australians who've improved their credit with CreditLift.

"CreditLift helped me remove a default I didn't even know about. My broker said I wouldn't get approved — now I've got my home loan!"
Sarah M
Sydney, NSW
"My score went from 450 to 680 in 3 months. I was sceptical at first but CreditLift delivered. Highly recommend their Standard plan."
James T
Melbourne, VIC
"The templates made it so easy to dispute errors myself. Saved me hundreds in legal fees. CreditLift is a game changer."
Priya K
Brisbane, QLD
Common Questions

Frequently Asked Questions

Everything you need to know about credit repair in Australia.

How long does credit repair take?
Most disputes are resolved within 30-45 days. However, complex cases involving multiple defaults or court judgments may take 2-3 months. We'll give you a realistic timeline during your free assessment.
Is credit repair legal in Australia?
Absolutely. Under the Privacy Act 1988 and the Australian Credit Reporting Code, you have the legal right to dispute any inaccurate, incomplete, or outdated information on your credit report. Credit repair services help you exercise these rights.
What can be removed from my credit report?
Incorrectly listed defaults, outdated information (defaults over 5 years old), incorrect personal details, duplicate listings, and debts listed without proper process can all potentially be removed. We can't remove legitimate, accurately reported debts.
How much does it cost?
We offer a free tier with self-assessment and one template. Our Standard plan is $49 (one-time) for full analysis and dispute letters. Premium is $149 for complete representation. No hidden fees, no ongoing charges unless you choose monthly billing.
Do I need to hire a professional?
Not necessarily! Many people successfully dispute errors themselves using our free templates. However, if you have multiple issues, complex defaults, or need someone to handle everything for you, our Standard or Premium plans save you time and improve your chances of success.

Ready to Fix Your Credit?

Join 1,000+ Australians who've taken control of their financial future with CreditLift.