2,633 reviews
AI reviews summary
Credit Repair Australia receives high praise for its supportive and non-judgemental approach to debt management and credit restoration. Customers frequently highlight the empathy and professionalism of the staff, particularly noting that the service significantly reduces financial stress. While the vast majority of feedback is positive, a small segment of users has raised concerns regarding high fees and the effectiveness of the service for legitimate credit entries.
Pros
- Empathetic and Non-Judgemental Support: Staff members are consistently described as kind, patient, and understanding, creating a safe environment for clients to discuss sensitive financial difficulties.
- Clear and Transparent Communication: Consultants take the time to explain complex financial terms and processes in plain English, ensuring clients understand their options and the steps involved.
- Effective Stress Reduction: Many clients report a significant "weight lifted off their shoulders" after engaging the service, citing manageable repayment plans and proactive debt consolidation.
- Dedicated Case Management: Case managers, particularly Maria, are frequently commended for going above and beyond, providing regular updates and remaining proactive even outside of standard office hours.
Cons
- High Service Fees: Several users noted the service is expensive, with some reporting costs between $2,800 and $4,700, which can be a significant burden for those already in financial distress.
- Variable Results for Legitimate Enquiries: There are reports that the service may not be able to remove credit enquiries or defaults if they are found to be factually correct, leading to dissatisfaction over the cost-to-result ratio.
- Communication Lapses: While most experience proactive service, a small number of clients reported poor follow-up, delays in receiving credit reports, or difficulty contacting the team after making payments.
- Aggressive Debt Recovery: A few reviewers flagged that the company referred their unpaid service fees to debt collection agencies even when the clients felt the promised results were not delivered.
Verdict
Credit Repair Australia is a highly-rated service for those seeking professional guidance and emotional support through debt consolidation and credit repair. It is particularly effective for individuals overwhelmed by financial stress who value clear, compassionate communication; however, potential clients should carefully weigh the high upfront costs against the likelihood of success for their specific credit file issues.
Within the first 24 hours Sophie has contacted me and removed something that was on-my credit file!!!;) a few more to go but very happy with the Service and Sophie’s amazing! So far so good highly recommend Show details · 1
I couldn’t be more grateful for the support I received from Maria throughout my debt recovery journey. Maria was incredibly easy to talk to and made me feel comfortable from the very beginning. At no point did I feel judged, embarrassed or ashamed about my financial situation. She made the process feel manageable by breaking everything down into… Read more · 1
small & simple steps which helped me avoid feeling overwhelmed and wanting to give up. Maria truly went above and beyond, even working overtime to ensure my file was organised and ready to be reviewed.
Thanks to her support and guidance I now feel like I have a real opportunity to get on top of my finances and work towards a better future. For the first time in years I feel like I may one day be able to achieve my goal of owning my own home.
I am incredibly thankful for Maria’s kindness, understanding & dedication. She genuinely made a difficult situation feel so much easier to navigate.
Reviews with attachments
I’m very happy with the response I’ve had with Rebecca looking after my file. I’ll give me the breather that I needed. Yes I would recommend. Show details
Improving my credit scores after bankruptcy – I spoke with Linda today to discuss my credit options and she was extremely helpful and very supportive and knowledgeable which gave me great peace of mind. I’m extremely confident moving forward in improving my credit reports with Credit Repair and Linda after being in bankruptcy for the past 5 years. I highly recommend dealing with Linda for all of your credit needs. Thanks in advance! Michael Hardy - Surfers Paradise Queensland. Show details
Satisfaction – Good morning guys I would like to thank Mina and Maria for their lovely support and guidance through this process to get my debts sorted they've been very professional and caring thank you for your professionalism. Yours in partnership Anthony. Show details
Thank you Kevin and Maria – Maria Nguyen my case manager and Kevin Quail are very professional and they have explained to me everything in a way I can understand. My stress came down big time thank you so much Show details
Matt & Maria – I'm so happy with the service with Credit Repair Australia. Thank you Matt and Maria for your service. Show details
Latest follow-ups
I have been with Credit Repair Australia for three weeks and have found the team professional, responsive, and proactive in reviewing my file and addressing credit enquiries. Show details
Follow-up · I highly recommend Credit Repair Australia. Their fees are affordable and the service they provide is exceptional. From the very beginning, the process was simple and stress-free. They communicated with me every step of the way, keeping me informed and explaining everything clearly, so I always knew what was happening. They got started on my… Read more
Great information and explains things well and gave you lots of options Show details
Follow-up · The fact that I cancelled my prescription within the 3days and then realised I was still getting charged for 3weeks is pretty crappy service if you ask me.
Excellent customer service I really felt the team cared about my situation Show details
Follow-up · I don’t know how to work with the portal and this makes the process difficult
In-depth reviews
I strongly advise others to be extremely careful dealing with this company. They asked approximately $4700 for them to “repair” my credit file after my identity was stolen. From the beginning, they made big promises about fixing everything on my record. However, after making payments, I saw absolutely no results. My credit score did not improve… Read more
at all, and no meaningful work appeared to be done on my file.
Communication was also very poor. After receiving payments, they stopped contacting me altogether. I had to chase them repeatedly with no proper response or updates.
To make matters worse, when I stopped paying due to the lack of progress, they transferred my case to a debt collection company to recover more money despite not delivering the service they promised.
In my experience, this company did not provide any real credit repair services. Instead, they took my money and failed to act. I feel completely misled and taken advantage of.
I have now formally requested that they resolve this issue, and if they do not respond, I will proceed with legal action.
Please be cautious before signing any contract or making payments to this company.
I would highly recommend Maria Nguyen from Credit Repair Australia. From the very beginning, she supported me throughout the entire application process with professionalism, patience, and genuine care. Maria was always proactive, regularly checking in and answering my questions quickly — even outside of office hours. I would also like to thank… Read more
Zac, who assisted me during the application process. He took the time to clearly explain every detail that I needed to know and made sure I fully understood each step along the way.
Working with Maria and Zac was truly one of the best decisions I’ve ever made. They made everything feel smooth and stress-free. Both of them are incredibly knowledgeable, warm, friendly, and genuinely care about helping their clients succeed.
Thanks to their support, I can now focus on saving and managing my finances better. Two thumbs up for both of them!
If you’re considering credit repair, Maria and Zac are exceptional and people you can absolutely trust.
Find out how Credit Repair Australia compares to other Debt Consolidation Services
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I cannot thank Credit Repair enough, especially Barry, who supported me for over five years. When I first approached Credit Repair, I was stressed and overwhelmed, unsure how I was going to manage my monthly payments to creditors. I was determined to repay my debts and was very reluctant to consider bankruptcy. Barry and the team negotiated a… Read more
manageable monthly repayment plan on my behalf, which immediately eased my stress. I made regular payments for nearly four years. Then my circumstances changed — I was made redundant, faced several unexpected challenges, and ultimately had to relocate from Australia.
I contacted Barry to explain my situation. I wanted to continue paying my debts but needed to review the repayment amount. Barry negotiated a four-month grace period with my creditors. He also successfully negotiated settlements with two creditors, which I was able to pay off immediately. After reviewing my updated budget, we agreed on a new, affordable fortnightly repayment amount.
Despite my difficult circumstances, Barry advocated strongly on my behalf. He explained that I was genuinely struggling and, thanks to his persistence and professionalism, my creditors agreed to wipe the remaining balance. This left me debt-free and gave me the fresh start I truly needed.
Barry’s wonderful demeanor and positivity made every meeting a pleasure. He is a true asset to the credit industry and to Credit Repair. I am incredibly grateful for his support and dedication.
Positive reviews
Cannot thank and say how much I appreciate all help and assistance I received from Maria Nguyen from Credit Repair Australia. If I was able to give more than five stars I would gladly give 100+ stars Show details · 1
Lady Maria Nguyen * She helped me immensely with managing my personal finances. I was extremely worried about how I would repay my debts. She saved me from that predicament, and now I feel relieved and at peace. a kind and very experienced lady . I highly recommend her to anyone who needs help. Maria, my warmest regards Thank you so much amazing lady ❤️ mark Show details · 1
Was so professional took me thru step by step and i understood everything they took me thru was plain and simple and was the best experience ive had with anybody over the phone with my situation going on big Thank you to Maria and Kevin for being the best support system ever and for helping me get back on track thank you’s so much !! Show details · 1
Negative reviews
Scam company. All they can do is confirm details. They expect $6000 to simply call people and confirm you debt. They have done nothing for me. I cancelled the plan and now they are harassing me for money. They are not getting another cent of my money. DO NOT USE. SAVE YOUR MONEY!!!! Show details
Hi Mark, Thank you for your feedback.… Read more (+1 reply)
STAY AWAY FROM THIS COMPANY !!!! I an a current client and I have never had a more frustrating business to deal with I get absolutely no help what so ever if I want to ask for information and dont even try to call. Show details
Sadly it took writing a bad review to get help in regards to my account BUT finally I was contacted… Read more
Absolute scam of a service ! Trying to get out of next and they’re here getting me into bigger debt. Making me pay almost 4K for services I NEVER EVEN USED or fully agreed too cause they sneakily speak these things quickly over the phone . Frauds Show details
Recent reviews
Maria and Zach helped us with our current financial situation, they are very open and work to your best interest. They are both friendly and very accommodating , make you feel comfortable discussing your situation. Thank you very much Show details · 1
Upon speaking to my case manager Maria and also speaking to Barry they have helped me immensely by providing me different avenues to suit my needs. Maria is very patient with me regarding of my situation and they both were very careful of being diligent of the facts and I’m very grateful that they both were very caring and I believe I’m in the right pathway and I couldn’t have received a better service. ❤️⭐️ Show details · 1
Find out how Credit Repair Australia compares to other Debt Consolidation Services
Know better, choose better.
Kevin and Marie were incredibly helpful in explaining my repayments and guiding me through each step of the process. Their support gave me a much better understanding of my options and helped me feel more confident in making my financial decisions. I really appreciate their patience, professionalism, and willingness to answer all of my questions. Show details · 1
Wow so lovely Linda and Maria Nguyen the so wonderful lady the helped me so much to i get out off my debt and stress and make my life so easy happy much thank you ladys Show details
I had a small understanding about my situation before taking the call from John. John was very clear and understanding on the phone and was eager to help me and my situation. I had a great experience with John and now feel determined to get debt free. Show details
Karl and Maria were both amazing to deal with. They were kind, understanding, and incredibly efficient in getting all of my debts sorted so quickly. They made the whole process easy and stress-free. I highly recommend their services. Thank you both! Show details
Maria N was wonderful. She was so helpful and kind, and made the whole process really easy. She took away all of my stress and her communication was amazing every step of the way! Couldn’t be more grateful to her. Show details
I had a great experience with the team. They helped me remove unnecessary credit enquiries from my credit file and guided me through the whole process. They were professional, responsive, and kept me updated every step of the way. I'm very happy with the outcome and would highly recommend them to anyone looking to improve their credit profile. Thanks again for all your help! Show details
I had and absolutely great talk with this amazing customer service John his been guiding me although the process and give me an opportunity to get back on the track he will be the right person to speak to if you need help with the loan and financial problems Show details
Credit Repair Australia have been so great getting me back on my feet. Maria especially, has been so informative and helpful with everything. And thank you to Kev as well for kick starting the process. Great customer interaction! Show details
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Hi Noah, Thank you for your feedback.… Read more