Credit Reboot is a credit repair and financial education service that helps Australians take control of their financial future.We work with clients to identify and correct inaccurate or unfair listings on their credit reports and provide step-by-step education on how to build and maintain a strong credit profile. Our approach combines credit correction with financial literacy, so you not only fix your past but also learn how to make informed financial decisions for the future.

That’s a common issue. In Australia, there are three major credit reporting bodies: Equifax, Illion and Experian, and most free checks only show you one of them. Lenders don’t all use the same agency, so you might be looking at a file that doesn’t show the problem. We'll help get to the bottom of why you were declined and make a plan to repair it.

By enrolling in the Perfect Score program, we'll work with you to deepen your understanding of your credit file, banking habits, and goals. Our dedicated team will assist you in possibly clearing any negative listings that are impacting your credit score. This dual approach is designed to enhance your credit rating and prepare you for obtaining finance.

Our program costs $1,295, which includes access to our full Credit Education Program and your first default. Each additional default after the first one is $200.We’ll confirm your total cost before your free assessment, and fees are only payable if accepted into our program.

Our education program covers topics like budgeting, assets vs liabilities, savings plans, banking behaviour, understanding credit scores, and what lenders look for. It’s designed to improve your financial literacy and long-term money habits.

Not necessarily. Many clients complete the credit repair part of the program first. But the more positive change you make, the stronger your application becomes, and the better your chances of approval at better rates.

Unfortunately, no. The default is a record that the debt wasn't paid on time and acts as a warning to future lenders. Once the debt is paid, the lender can update the default to reflect that it is no longer outstanding, but the negative mark will remain for 5 years from the date it was listed. However, by enrolling in the Perfect Score Program, we can help you improve your financial habits, manage your debts, and possibly remove the default earlier if it's disputable.

70% of our clients are cleaned and ready to go within 30 days or less. More complex cases can take longer, depending on the creditor and circumstances. Our goal is to have every client finance-ready within 60 to 90 days. The 12-step education program is completely self-paced.

Perfect Score is not a lender, but we have a trusted network of over 55 organisations that can assist you with your finance applications. The program will teach you how to get approved for car loans, personal loans, mortgages, business loans, and more. Once you’ve completed the program, we’ll connect you with one of our dedicated brokers to help with the loan process 

We can’t guarantee results, but we are committed to doing everything we can to get the desired result. What we can guarantee is that if you follow our complete program, we will have you become a more creditworthy applicant.

Rest assured, we will not enter you into a Bankruptcy or Part 9 Debt Agreement. Our goal at Perfect Score is to manage your finances responsibly, budget effectively, and improve your credit file. We can't remove bankruptcies or Part 9 agreements from your credit report, but we can help you move forward from them.