Credit Fix Solutions

What Credit Fix Solutions does

Credit Fix Solutions is an Australian credit repair service founded in 2014 by Victoria Coster and headquartered in Parramatta, NSW. The firm holds Australian Credit Licence 531433 and is an AFCA member (82962), giving it the regulatory standing to act as an intermediary in credit-reporting matters. Its services focus on the removal of adverse credit listings — defaults, court actions, and repayment history information — on a success-fee basis with published starting fees of A$1,650+ per default removal, A$2,500+ for court action removals, and A$1,650+ for repayment history removals.

The business is structured around two go-to-market channels. The Elite Referral Program drives consumer leads through finance brokers who are corporate members of the FBAA and MFAA, creating a B2B2C distribution layer. A direct-to-consumer channel is supported by a freemium credit-report assessment and a body of educational content, including the Credit Reporting Essentials Guide (Dec 2025) and a Credit Repair Top Tips video series. For court action removals, the firm operates in partnership with Credit Fix Lawyers, extending its capability into legally-assisted removals that require representation.

Economically, Credit Fix Solutions is a bootstrapped, founder-led professional services firm with a team of 1–10 employees and no external funding. Revenue is generated entirely through per-case success fees, with no subscription, retainer, or SaaS component. The firm differentiates through a decade of brand presence, recurring industry recognition (FBAA, MFAA, TheAdviser, WSABE, Telstra Business Women's Awards), the B1G1 Platinum Impact Partnership, and a Financial Literacy Education initiative targeting Australian schools. The technology stack is human-expertise-led rather than software-led, with no disclosed AI, automation, or platform products.

Name

Credit Fix Solutions

Legal name

Credit Fix Solutions

Website

https://creditfixsolutions.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Credit Fix Solutions is an Australian credit repair service founded in 2014 by Victoria Coster. The firm removes adverse credit listings—defaults, court actions, repayment history issues—on a success-fee basis, serving direct consumers and finance brokers nationwide.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit repair services
• Credit report analysis
• Default removal
• Credit restoration
• Financial consulting

Headquarters

HQ city

Parramatta

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Default Removal Services: Success-based fee model for removing unfair defaults from credit reports. No upfront fees charged. Fee split into two payments: 50% when credit provider agrees in writing to remove the default (around week 4), and 50% when cleared credit report is delivered (around week 6-8).
2. Court Action Removal Services: Success-based fee model for removing court judgments/default judgments from credit reports. Fee split: 50% when plaintiff agrees to sign removal orders (around week 2), 50% when cleared report is delivered (around week 6).
3. Repayment History Amendments and Enquiry Removals: Success-based professional service for amending repayment history information or removing enquiries from credit files. No upfront charges. Fee payable upon successful completion.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Credit Fix Solutions is an Australian credit repair service provider that helps individuals remove adverse listings such as defaults, court actions, and unpaid debts from their credit reports. The company also amends repayment history issues and removes unwanted enquiries, working with consumers and finance broker referral partners to restore creditworthiness. Services are delivered on a success-based fee structure with no upfront charges.

Product overview

Credit Fix Solutions is a licensed Australian credit repair service provider founded in 2014, operating as a single unified service rather than a software platform. The core offering consists of a structured credit repair service with four main pillars: Credit Report Assessments (initial evaluation and score analysis), Default Removal Services (dispute and negotiation to remove unfair default listings), Court Action Removals (legal-assisted removal of default judgments via partner law firm Credit Fix Lawyers), and Unpaid Debt Support (support for clients with unpaid obligations). These services are complemented by Repayment History Amendments and Enquiry Removals, and supported by educational content including the Credit Repair Top Tips video series, blog articles, and a Credit Reporting Essentials Guide. The company also offers an Elite Referral Program for finance brokers. All services are delivered on a success-fee model with no upfront charges, and operate Australia-wide with a 3-step process: obtain credit reports, email for free assessment, and proceed with confirmed actionable items.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Report Assessment
• Default Removal
• Court Action Removal
• Unpaid Debt Support
• Repayment History Amendments and Enquiry Removals
• Elite Referral Program

Quantifiable outcome

• Default removals typically completed in 4-8 weeks, with some complex cases taking up to 12 weeks
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• B1G1 (Business for Good)coreStrategic or Co-development Partner · 1 November 2021Platinum Impact Partner with B1G1 movement since November 2021. Monthly impacts include: 160 days of clean water, 120 days of education, 60 medical treatments, and 10 trees planted for various client actions. Every client referral and service action triggers donations.
• Credit Fix LawyerscoreImplementation/ SI/ Consulting PartnerPartner law firm that provides legal advice for court action removals from credit reports. With legal advice from Credit Fix Lawyers, the company can help remove eligible court actions (default judgments) from individual or company credit reports.
• Financial Literacy Education (FLE)strategicStrategic or Co-development PartnerPartnership to deliver FIT Solutions program - free half-day financial literacy education for Year 10 students in Australian schools. Covers budgeting, saving, credit reports, borrowing, home ownership, and superannuation. Delivered by trained finance professionals with Working With Children Checks.
• Finance & Brokers Association of Australia (FBAA)coreChannel Partner/ Reseller/ DistributorCorporate member of FBAA. The company is listed as a corporate member and participates in FBAA awards and events. FBAA is one of two major finance broker associations in Australia.
• Mortgage & Finance Association of Australia (MFAA)coreChannel Partner/ Reseller/ DistributorCorporate member of MFAA. The company is listed as a corporate member and participates in MFAA events and professional development. MFAA is one of two major finance broker associations in Australia.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Australian Credit Repair:
• Equifax Australia: One of Australia's main credit reporting bodies (alongside Experian, Illion and Creditor Watch). Credit Fix Solutions' dispute process interacts directly with Equifax; it is an infrastructure counterparty rather than a competitor, but its policies shape the available service playbook.
• Credit Fix Lawyers: Partner law firm of Credit Fix Solutions providing legal advice on court action removals. While not a competitor, it sits in the broader Australian credit repair legal ecosystem and could enable or constrain expansion into legally-assisted dispute work.

Direct peers

• ScoreCo: Australian credit repair specialist focused on removing defaults, court judgments, and incorrect listings from credit files. Competes for the same broker referral and consumer direct channels and operates on a similar no-upfront-fee model.
• National Credit Repair: Australian credit repair provider offering similar default listing removal and dispute services. Targets the same consumer and broker segments with comparable success-based pricing and Australia-wide delivery.
• Credit Repair Australia: Established Australian credit repair service removing defaults, court actions and inquiries from credit files. Overlaps with Credit Fix Solutions in product, pricing philosophy and broker-driven go-to-market.
• Clean Credit: One of Australia's largest dedicated credit repair firms, offering default removal and dispute services on a success-fee model. Directly comparable in service mix, target customer (finance brokers and consumers), and regulatory positioning under Australian Credit Licence.

Broad incumbents

• Fox Symes: Long-established Australian personal insolvency and debt advisory firm offering credit repair, debt agreements and financial counselling. Overlaps on credit file remediation but serves a broader financial hardship mandate, putting it in competition for similar distressed consumers.

Emerging players

• Credit Savvy: Australian consumer credit education and credit score monitoring platform. Adjacent rather than directly competitive, but intersects at the consumer credit health journey where Credit Fix Solutions positions its services.
• MoneyBrighter: Australian financial coaching and credit health service helping consumers understand and improve their credit position. Adjacent player in the same consumer credit-recovery journey with overlapping educational content.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CreditFIXSolutions
• LinkedInlinkedin.com/company/credit-fix-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Fix Solutions