Take the first step to improve your credit

Have you been declined for finance due to bad credit score? Let us help you fix your Credit Score and get you back on track.

Start the process now!

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Don't Just Take Our Word For It

Case study

We won the “Most Trusted Credit Repair Company” Award at Australian Enterprise Award

Client Reviews

  • Mark Cobden

    Easy to speak with, great communication. Unbelievably affordable, I’m super happy about that part. Done their job well and in good time. A huge thank you to the team. :)

  • MV

    Service is good and super quick. Was able to get my credit file fixed. Appreciate Carla‘s work.

  • Stacey Roberts

    The whole team is very friendly and supportive.. everyone on the team are very professional, responsive... I would recommend them to everyone.. Harman is really good...

  • Ruby Lam

    Carla Gutierrez is great update me what's they have removed on my file and have removed 3 within 2 weeks. I recommend Sort My Credit as they will help you refresh your file.

  • Izzyhosea Taufa

    Very pleased with how Carla & the team at iCare Credit sor my credit helped me. They were very professional throughout the whole process. They were able to remove 3 of my defaults under 3months, now I will be able to apply for a home loan for my family.

  • Joe Di Geronimo

    What a great bunch of people providing prompt and professional reliable service, with an outsranding outcome of credit repair results.

  • Ella Clarissa Tabangay

    Excellent service! Carla Gutierez and the rest of the team are very helpful, proactive and most of all very professional. Highly recommended!

  • Abdul Hassan

    Angie from iCare Credit has been with me from day 1 when I reached out for their help and yeh team has not let me down. I am glad I made the decision to reach out to these guys. Angie and Carla Camille Gutierrez are very professional and responsive as well and I encourage anyone who has credit issues , you reach out to them.

  • Jason Sole

    I have found this company to be extremely helpful and efficient in getting my credit details back on track I would highly recommend them to everyone.Carla has been absolutely exceptional when it comes to getting things done with my credit history thanks Carla for your help.

  • Brandan

    GREAT SERVICE SUPER HAPPY
    Was a bit wary of using the service but I’m happy I did working on getting my credit file fixed up by Carla absolutely great job can’t wait to see the end result would definitely recommend anyone who is in my situation to give this company a go will not disappoint

  • Junaid Vaele

    Awesome
    Thank you to the service of Ernest, who patiently and kindly helped my partner with getting through with fixing his credit file, it really made his day; as his credit file was ruined by his own parents - due to loans and unpaid phone bills. Which we were struggling paying off. This has completely helped us ! It’s such a awesome concept, as it is affordable within our budget. I’m happy with the outcome of having to pay cheaper than what we owe. As well as the payment plan. Thank you !

  • Dora O’Callaghan

    One thing I will definitely give the…
    One thing I will definitely give the BEST PRAISE to ICare Credit is.... they NEVER GIVE UP !!!! Sometimes even I feel down looking no improvement in my Score is being made... Then walla.... I get great news from Icare Credit that they made 3 more removals from my File They are worth EVERY PENNY !!! Believe me

Thank you for reading so far, if you are stuck in life with a Bad Credit file, we are here to help you get you back on track. We understand your pain and frustration. Simply Fill the form by clicking here to get the ball rolling so we can get you back on track.

YES! I want to find out my options to fix my Credit File.

Goodbye spotty reports – It’s time to repair your credit in Australia

All late payments that you have had in the past leave a mark on your credit file. And when it’s full of these marks, you are in trouble. Bad credit is a telltale sign for lenders that you’re a high-risk borrower, which entails a range of challenges for you. If your rating is far from perfect, you will not have as many loan options as you could and will likely have to settle for high-interest ones. The solution? Let us fix bad credit for you to rebuild your creditworthiness.

iCare Credit is on a mission to correct the mistakes that have found their way into your credit file. We specialise in clearing bad credit history to help Australians get their future sorted. Do not let that missed payment take its toll on it!

iCare Credit Services

iCare Credit has now take over Sort My Credit

Defaults

Defaults are late payments on your credit history list that can decrease your odds of getting a loan. These may include defaults on utility bills, car loan or mortgage repayments. We will remove these defaults to improve your credit rating to potential lenders.

Court Judgemnt

Court judgments in your credit file indicate high risk and reveal you have agreed without legal intervention because you failed to repay your credit provider.

Black Marks

Black marks in your file ranging from applications to credit defaults and other activities that imply credit risk can hurt your credit rating. We will remove these for you as well.

Are you worried about your Credit History?

Let's fix your credit score. Credit is a good servant but a poor master. Much of your finances run on credit, and you depend on it every day of your life.

If your credit history is damaged and the loan application rejected, you need to have it fixed as soon as possible. There is no fixed credit rating that follows you wherever you go. Lenders judge you by their own standards, and you need to meet those standards.

Our experienced and reliable team of credit repair experts understands your situation and provide a thorough evaluation and specifically tailored solution to your financial situation.

We know how credit history works and apply our expertise to your situation so that it can accurately manifest your ability to pay back and manage your finances. We will offer you the best advice on the best way to obtain funding.

No default, black mark, or court judgment can stop us from getting the finance that you need at present and in the near future. We got this!

Why Choose iCare Credit for Your Credit Repair Services?

If repairing your credit is too stressful and complicated a process for you, there are several reasons why you should choose iCare Credit from the many credit repair services available. Here are some of them:

  • Inform you of your consumer rights. iCare Credit will inform you of your legal rights so you can be protected from deceptive or unfair business practices or misleading advertising from credit repair companies.
  • Review your credit situation before making a final decision. Before embarking on a credit repair program, a consultation should be made first. Credit repair isn't for everybody. Your credit must be thoroughly reviewed before the right decision can be made.
  • Dispute all levels of an itembr
    The extent of service shall be determined before it can be provided to you. We will dispute items at all levels
    – even contact collection agencies and creditors, if necessary – to arrive at the best result.
  • Guarantee good results on your credit report. We guarantee to provide positive results with your credit report as our excellent track record can testify. Go to the Testimonials.
  • Provide constant guidance during the whole credit repair process. Not only do we guarantee excellent results but also guide you on how to maintain that credit score. Our team will stay in touch throughout the entire process. We include guidance on what credit lines to get, how credit lines are maintained, and how to avoid decreasing credit scores.

Why do you need to fix bad credit?

A low credit score is a nightmare for everybody. All those defaults, court judgements, and black marks may send chills down your spine as they put you in an unfavourable credit situation. But iCare Credit can salvage it for you to:

  • ncrease your approval chances. No credit file entry is supposed to keep you from living the life you want. Our Fix My Credit programmes will eliminate all the negatives so that you can apply for the needed finance. A better score means a better chance of approval.
  • Qualify for lower interest rates. A high interest rate is a safe bet for lenders to protect themselves from the default risk. By clearing your bad credit history, however, you can avoid it and get better finance terms.
  • Increase your credit limit. Spotless credit history is a prerequisite for a high-limit card. With it, you always have a plan B to handle financial emergencies or make big purchases.
  • Avoid asking someone else to co-sign. Tired of begging your spouse to share the loan burden with you by acting as a co-signer? With good credit, you don’t need to do that to obtain funding. iCare Credit will save you the bother.
Our credit repair process

If you want us to look into your credit file to improve your rating, you can rest easy having the whole process sorted out. We will:

1

Make sure you’re aware of all the facets of our cheap credit repair service over the phone.

2

Look at your credit file and assess your current situation.

3

Hand you a questionnaire and dig deeper into your rating to determine what legal strategies are best to fix your credit.

4

Figure out whether you’re a good candidate for a fix.

5

Develop a tailored strategy for your situation and submit the required documents to remove black marks, judgements and other negative items from your file.

For your best credit repair in Australia, we will pull out all the stops to dispute the errors on your file. And you don’t pay for it until it’s settled. Contact us to speak with our credit repair specialists and get your file checked.