Typical costs
Credit repair pricing in Australia is not standardised. Some businesses charge an upfront fee, some charge per listing, and some charge only if a listing is removed. ASIC's review of the industry (Report 465) found upfront fees commonly ranging from about $495 to $1,095, with fees per successful removal of around $880 to $1,029. The Energy & Water Ombudsman NSW has reported that consumers it spoke with paid around $1,000 on average. Prices today can be higher, particularly for court judgments.
What regulators are watching
In 2025 ASIC announced a review of debt management and credit repair licensees. The Australian Government's review of the credit reporting framework has also recommended changes, including tighter rules on credit repair fees. Those recommendations are still being considered.
The free alternatives
- Get your credit report free from each bureau every three months
- Ask the lender or bureau to correct an error, which is free
- Lodge a complaint with Australian Financial Complaints Authority (AFCA), which is free
- Speak with a free financial counsellor through the National Debt Helpline (1800 007 007)
Questions to ask before you pay anyone
- Do you hold an Australian Credit Licence, and what is the number?
- Are you a member of AFCA?
- Will you give me a written quote of every fee before I commit?
- What exactly is wrong with my listing, and what evidence do you have?
- What happens to my money if the listing is not removed?
Be wary of anyone who guarantees removal, a set score increase, or pressures you to sign quickly.
How we charge
At Clear My Debts the first call is free. If we think there are genuine grounds, we give you a written Credit Quote before any chargeable work begins. If there are no grounds, we tell you.