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Credit Repair Analysis Help

Understand how our AI-powered credit repair tools work and which plan is right for you.

Pricing Plans

Analysis Only

$29 one-time

Waitlist price: $14.50 (50% off)

AI-powered credit report scan
Error and inaccuracy identification
Risk summary and score
Downloadable analysis report

BEST VALUE

Full Service

$99 one-time

Waitlist price: $49.50 (50% off)

Everything in Analysis Only
AI-generated dispute letters
AFCA complaint templates
Ongoing dispute tracking tools
Step-by-step action plan

Join the Waitlist - Save 50%

Be the first to know when Credit Repair Analysis launches. Waitlist members get both tiers at half price.

Join Waitlist

Supported Credit Reports

Our AI can analyse credit reports from all three major Australian credit bureaus:

Equifax

Formerly Veda

Illion

Formerly Dun & Bradstreet

Experian

Global credit bureau

How to Get Your Free Credit Report

Under Australian law, you are entitled to a free copy of your credit report once every 3 months from each bureau. Request yours here:

Equifax: equifax.com.au
Illion: creditcheck.illion.com.au
Experian: experian.com.au

Download your report as a PDF, then upload it to our tool for analysis.

Need Professional Help?

MyCRA Lawyers - Credit Repair Specialists

For complex credit repair cases, defaults over $5,000, or situations involving court judgments and serious listings, our partner law firm MyCRA Lawyers specialises in credit repair and can provide professional legal representation.

- Qualified solicitors specialising in credit law
- Direct negotiation with credit providers and bureaus
- AFCA dispute representation
- No-win, no-fee options available for eligible cases

Referrals are subject to conflict checks and eligibility assessment.

Important Disclaimer

Not Legal Advice

The Credit Repair Analysis tool provides AI-generated information only and does not constitute legal advice. Results may not account for all individual circumstances. For personalised legal advice about your credit file, consult a qualified solicitor or contact our referral partner MyCRA Lawyers.

Frequently Asked Questions

What errors can the AI detect on my credit report?

The AI scans for incorrect personal details, duplicate listings, defaults listed incorrectly, expired listings that should have been removed, incorrect payment histories, hardship flags not properly applied, and credit enquiries you did not authorise.

How long do defaults stay on my credit report?

In Australia, most defaults remain on your credit report for 5 years from the date of the default. Serious credit infringements can remain for 7 years. Court judgments remain for 5 years. Bankruptcies remain for either 5 years from the date of bankruptcy or 2 years from discharge, whichever is later.

What is AFCA and how can it help me?

AFCA (Australian Financial Complaints Authority) is a free, independent dispute resolution scheme for financial services. If a credit provider or bureau refuses to correct an error on your credit report, you can lodge a complaint with AFCA. Our Full Service plan generates AFCA-ready complaint templates for you.

Is my credit report data kept confidential?

Yes. Your credit report is encrypted, processed by our AI, and not stored permanently unless you choose to save it to your account. We do not share your data with any third party except when you explicitly request a referral to MyCRA Lawyers.

Can I dispute listings myself without a lawyer?

Absolutely. Many credit report errors can be resolved by writing directly to the credit provider or credit bureau. Our Full Service plan provides AI-generated dispute letters that you can send yourself. For more complex cases, professional legal help may improve your chances of success.

When does the waitlist discount expire?

The 50% waitlist discount is honoured for all users who join before launch. Once the tool goes live, waitlist members will receive a one-time discount code via email. Standard pricing applies to new sign-ups after launch.

Ready to clean up your credit report?

Join the waitlist now and save 50% when we launch.