Credit Fixx

Credit Fixx: Credit Repair and Debt Management in Australia

Credit Fixx is an Australian credit repair and debt management company operating under the legal name We Can Help Pty Ltd. The firm was founded and is led by a former senior banking executive with experience in the Australian financial system since 2008. Its approach is built on that insider knowledge of the sector: according to its presentation, it understands how lenders assess applications and make credit decisions.

The company describes itself as a licensed debt management and credit repair company, holding Australian Credit Licence number 546539. Its stated goal is not limited to removing negative listings, but to strengthening the client's overall credit position to improve their chances of approval.

Credit Repair and Debt Management Services

The service catalogue is structured around four main areas:

• Informal Debt Agreements: debt settlement without legal action, direct dealing with creditors, and flexible repayment arrangements.
• Full & Final Debt Settlement: negotiation of reduced amounts, payment of a lump sum, and the possibility of avoiding paying the full balance.
• Credit Repair: review and dispute of listings, with the aim of improving the chances of removing defaults.
• Debt Consolidation: combining multiple debts into a single monthly payment to make them easier to manage.

The firm also assists with defaults, clearouts, court judgments, bankruptcies, and other negative listings that may be inaccurate, outdated, or incorrectly reported.

How We Work

The process begins with the client submitting their details and a brief description of their credit situation. Credit Fixx then carries out a free, no-obligation analysis of the credit report, identifies the issues, and develops a personalised strategy. If the client decides to move forward, they are assigned a dedicated case manager who acts as the main point of contact throughout the process.

The team handles verifications, negotiations, and paperwork, and communicates with creditors to negotiate reduced payments, lower interest rates, and potential debt forgiveness. Once the management plan is in place, the company states that the client can expect to be debt-free within three to five years.

Fees and Results Policy

Credit Fixx does not charge upfront fees. As it explains, Australian law prevents it from charging upfront for credit assistance, and it only invoices after work has commenced. The company states that it only charges when it achieves a successful outcome, and that if it cannot achieve an outcome on the client's file, the client does not pay. Fees are detailed in the service agreement before any work begins.

The firm makes clear that it does not guarantee results: every case is different, and not all listings can be removed. If a listing is accurate and legally compliant, it cannot be deleted; in that case, it explains the reasons and advises on next steps. It also notes that engaging its services or lodging disputes does not by itself affect the credit score, although how the client manages their debts may independently influence it.

Timeframes and Information Security

Typical resolution timeframes are between 30 and 90 days, depending on the complexity of the case; simple disputes may be resolved sooner. The company states that it keeps the client informed throughout the process and takes reasonable steps to protect personal and credit information.

Memberships and Affiliations

Credit Fixx is a member of the Australian Financial Complaints Authority (AFCA) under number 99350 and declares its membership of the MFAA. The company presents itself as a firm operating under Australian regulatory standards and with professional practices aligned with the sector.

Location and Contact

Level 14, 3 Parramatta Sq, Parramatta NSW 2150 · Phone: 1300 654 045 · Email: info@creditfixx.com.au