Australian Credit Savers

Australian Credit Savers: credit repair in Australia

Australian Credit Savers™ is an Australian credit repair company operating nationwide. Its activity focuses on helping people with damaged credit reports to identify and dispute negative or inaccurate listings, as well as to negotiate debts with creditors. The firm presents itself as an award-winning company with more than 400 five-star reviews, and states that it holds an ASIC licence (Australian Credit Licence No. 578002) and is a member of AFCA (No. 104645).

Credit repair and history clean-up services

The service catalogue includes credit enquiry removal, dispute of invalid defaults, assistance with disputing court judgments, late payment dismissal, resolution of repayment history disputes and support with debt negotiation and settlement. The company works on the listings that weigh down the client's score and, where appropriate, escalates disputes to the level necessary to achieve their removal.

Work process

The method described by the company consists of four stages. First, it carries out a free credit report assessment to detect problems and black marks. Then its experts open a case on the client's behalf to dispute the invalid items. Once removed, they forward the resolution to the credit reporting agencies so that the file can be updated. Finally, they offer an optional referral to partner loan brokers for those seeking finance.

Fee model

The firm applies a "No Win, No Fee" scheme: it only charges for the portion of the service that has been completed. However, it warns that a non-refundable investigation fee applies, which is paid towards the total service fee.

National coverage and offices

Australian Credit Savers serves clients across the country and lists credit repair locations in New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, the Northern Territory and the Australian Capital Territory. Its head office is located in Carlton, Victoria.

Documented cases

The website includes two illustrative cases. In one, a client who was overseas during the pandemic, with an expired visa and multiple defaults, came forward in February 2025 with a score of 447; after disputing four default listings, their score rose to 811, a difference of +364 points. In another case, a client with a score of 406 and a poor repayment history and multiple enquiries saw their score rise to 983 in three months, a difference of +577 points.

Benefits and drawbacks highlighted by the company

According to its presentation, a good credit score makes it easier to secure mortgage approval with better rates and terms, reduces monthly car loan repayments, improves credit card terms and can have a positive influence on employability in certain sectors. Conversely, a negative history is associated with mortgage rejection, higher rates on car loans, reduced card limits and fewer job opportunities in areas such as finance and management.

Location and contact

Suite 119, 135 Cardigan St, Carlton VIC 3053