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Credit Repair Companion review

If incorrect credit report listings are holding you back, Credit Repair Companion could help.

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By

Rebecca Pike

Updated

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What is Credit Repair Companion?

Credit Repair Companion helps you to dispute bad credit listings on your credit report, so that you can get your credit score back on track.

It provides a service that you can do yourself for free, but if you're feeling overwhelmed by the process or unsure where to start, this might be a helpful service for you.

How does Credit Repair Companion work?

If you have any discrepancies or bad listings on your credit file, Credit Repair Companion will help you take the steps to remove them.

It provides tailored dispute letters, automated audit tools and further tips and resources.

Credit Repair Companion helps you to dispute:

  • Credit enquiries: Any applications for credit whether you've been approved or not. It can make it harder for you to get credit because if you have multiple credit applications you seem an untrustworthy borrower. These stay on your credit file for 5 years.
  • Default listings: Any debt that is 60 days or more overdue. These stay on your credit file for 5 years.
  • Serious credit infringements: Any debts where it seems like you're not paying it back at all. These stay on your credit file for 7 years.

Although anyone can access their credit file and dispute listings, Credit Repair Companion helps you navigate how and provides a helpful tracking system.

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Credit Repair Companion helps you to dispute bad credit listings on your credit report, so that you can get your credit score back on track.
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What are the benefits and drawbacks of Credit Repair Companion?

Pros:

  • Credit Score Companion will provide you with everything you need to dispute listings
  • Helpful tracking tool
  • One off upfront cost per listing - no ongoing fees

Cons:

  • If you have multiple credit infringements it could become costly
  • If you know what you're doing, you could do this for free

How much does Credit Repair Companion cost?

There are no ongoing fees to use this service, it simply charges a one-off fee per listing you want to dispute.

  • Credit enquiry: $49 per enquiry
  • Default listing: $179 per default listing
  • Serious credit infringement: $189 per serious credit infringement

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Senior writer

Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio

Rebecca's expertise
Rebecca has written 188 Finder guides across topics including:
  • Home loans
  • Cost of living
  • Budgeting

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