The same professionally drafted dispute process credit repair agencies use, built around the Credit Reporting Code. You send the emails. We cut out the middle man.
Credit repair companies charge $2,000 or more and operate at a 60-80% removal rate. Our kit delivers the same professionally drafted dispute process at a fraction of the cost, with an 84% success rate.
Outcomes on par with the agencies
Built around the same grounds and legislation credit repair companies use, often achieving better results.
Professionally drafted dispute emails
Tailored to your circumstances through our detailed questionnaire, ready for you to send.
Send the emails yourself, save thousands
You send directly to the creditor. No middle man. No $2,000+ agency fee.
Up to 2 revision emails if declined
If a creditor declines your first dispute, you receive revision emails to strengthen your case.
Ongoing guidance on creditor responses
We review the responses to your disputes and provide guidance using the Credit Reporting Code.
Works across multiple defaults
One kit, used on as many defaults as you need. Can be used on multiple listings.
Built on the Credit Reporting Code
Every dispute is grounded in the legislation and relevant code that creditors must comply with.
Personalised to your circumstances
Our detailed questionnaire tailors your initial email specifically to you, not a generic template.
No large upfront fees
One fixed cost, no retainers, no lock-ins. Pay once and get everything you need.
No removal is ever guaranteed. Not by us, and not by any credit repair company. However, our removal rate is in line with, and often exceeds, many credit repair companies at a fraction of the cost.
Creditors have very strict guidelines around when they can report a default, when notices are sent, and they must also consider your personal circumstances at the time. This is what we call grounds, and they provide the highest chances of removal.
Tell us about the default and your circumstances at the time. This tailors your grounds specifically to you.
A professionally drafted email, the correct creditor address, and the legislation supporting your grounds.
You send the email directly to the creditor. No middle man. No agency markup.
If your dispute is declined, you receive up to 2 revision emails with guidance to strengthen your case.
Thank you, we will contact you shortly.
If you have not heard from us, please check your spam.
No removals are ever guaranteed.
Outcomes on par with, and often better than, many credit repair companies
Professionally drafted dispute emails tailored to your circumstances
Send the emails yourself and save thousands in fees
Includes up to 2 revision emails if your dispute is declined
Ongoing guidance and support reviewing creditor responses
Can be used on multiple defaults
Built around the Credit Reporting Code and relevant legislation
Personalised to your circumstances through our detailed questionnaire
No lock-in contracts, no large upfront fees
This DIY Kit will prompt you through the process, cutting out the middle man. This repair kit comes with a repair email, where to send it, the grounds and legislation working with the Credit Reporting Code for your grounds for removal, and 2 revision emails if they decline.
Credit repair companies operate at a 60-80% removal rate as the industry standard. We operate at an 84% success rate, minus the $2,000+ fee. We will review the responses to your disputes and provide guidance using the Credit Reporting Code to support your grounds.
This repair kit comes with revisions for 2 defaults; however, you can use it on as many as you need.
Creditors have very strict guidelines around when they can report a default, when notices are sent, and they must also consider your personal circumstances at the time. This is what we call grounds and they provide the highest chances of removal.
Whether you were in a financially coercive relationship, experiencing severe hardship, mental incapacitation, adjusting to new medication, or dealing with life-altering events, these can all be grounds for consideration of default removal.
We have a detailed questionnaire so we can tailor your initial email specifically to you. The reason this service is so cost-effective is because you are sending the emails.
No removals are ever guaranteed. Even credit repair companies cannot guarantee removals. However, our removal rate is in line with, and often exceeds, many credit repair companies at a fraction of the cost.
Repair My File provides general information and self-help dispute templates only. We are not a credit repair agency and do not hold an Australian Credit Licence. You send all correspondence yourself. No outcome, including removal of any listing, is guaranteed. Content is prepared with reference to the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2024, and is general in nature rather than personal legal advice.