Find Out What’s Getting You Declined!
Credit files are confusing on purpose — we’ll read yours and show you exactly what’s holding you back, in plain English.
The only credit-repair law firm in Australia brave enough to publish independently audited results.
Most credit-repair operators quote success rates they made up themselves. Ours has been independently verified — 91.6% Consumer Default Removal Resolution Rate. You don't have to take our word for it. Read the audit certificate and decide for yourself.
Read the Audit CertificateWhat We Can Remove From Your Credit File
Our specialist lawyers know exactly how to challenge and remove these negative listings
Defaults
Paid or unpaid defaults from creditors like banks, telcos, and energy providers. If proper process wasn't followed, we can often get these removed completely.
Credit Enquiries
Too many enquiries can trigger auto-decline. We remove unauthorised, duplicate, or incorrectly listed enquiries — especially payday lender enquiries that kill mortgage applications.
Court Judgments
Judgments from unpaid debts can be challenged if proper procedures weren't followed. Once paid, we can negotiate removal with the creditor and court.
Late Repayments (RHI)
Repayment history showing missed payments can be disputed, especially if you had a hardship arrangement in place or the reporting was inaccurate.
Serious Credit Infringements
These are the most damaging listings on your credit file. Our lawyers specialise in challenging these using consumer protection legislation.
Clearouts & Cross-Matches
Incorrect personal information, "also known as" entries, and clearouts can affect your score and confuse lenders. We clean these up too.
How It Works
Three simple steps to a cleaner credit file
Upload Your Credit File
Create your free account and upload your Equifax, Illion, or Experian credit file — whichever shows your bad credit. Don't have one? No worries, we can get it for you.
Tell Us Your Situation
Answer a few quick questions about your circumstances so we can tell you exactly what should be removed based on your specific personal situation and goals.
We Tell You What's Next
If you qualify, book a consultation with our credit repair specialist. If not, we'll give you everything you need to fix it yourself — completely free.
Real Results From Real Australians
Independently audited — the only credit repair firm in Australia brave enough to publish their results
Google Review
"Nothing short of an amazing experience with MyCRA. They dealt with my matter professionally and the whole matter was resolved, and beyond my expectation. I would not hesitate to recommend them."
— geegadwar Google Review
"I had a great chat with Graham and his advice and the information he shared with me have benefited my credit report greatly! We are currently sitting at a 99% successful removal rate."
— Dimity Jones-Sarcin Google Review
"Graham and his team were fantastic. They are professional and very helpful and explained the process which made it so much easier. I would highly recommend Graham and his team."
— Jason Henselis