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Credit Reporting and Credit Repair

Kingsford Lawyers prides itself in maintaining a medium firm feel by treating each client with care and consideration.

Credit Repair Lawyers to Fix Your Credit Score

Our team at Kingsford lawyers has extensive experience with credit reporting and cleaning of your credit report and importantly your credit score. Whether you are a business or an individual, we will have the right solution for you.

Your credit score is calculated by the credit reporting bureaux in Australia. Your credit score is used by lenders to determine whether they will approve you for credit for a credit card, home loan, or business loan. If you have a low credit score or adverse listings showing on your credit report, you may be rejected time and time again for any lines of credit as you will be deemed as a high-risk application. This is where Kingsford Lawyers can help.

The largest credit reporting bureaux are Equifax and Illion. Equifax’s credit score system, for example, is a number system that provides you with a credit score ranging between minus 200 and 1200, the higher the number, the higher your chance of obtaining credit is.

Our team of lawyers is trained to review your credit report and find any inaccurate information, negative events, or any information that is causing poor creditworthiness in the eyes of lenders.

We will analyse your credit report, provide written advice, outline any adverse listings, and inform you of the action required to clean your report and improve your credit score.

We work towards clearing your defaults (where possible) default judgments, Court actions and work towards providing you with a cleared copy of your credit report and score. The fields we are experienced in include:

With your profile cleaned up, you can expect higher chances of getting the green light for a loan. Whether you’re taking it out for a new house or business location, your profile should be as spotless as it can be.

Often, several options exist to improve your credit score with no shortcuts. It’s important to run a credit check first to determine which of them is best for your case.

No two credit files are the same, we never provide one-size-fits-all repair solutions, Kingsford Lawyers takes the time to assess your financial situation, check your credit file for what will make you appear as a high-risk borrower to lenders, and in simple terms, we will provide a scope of works in repairing your credit report and help you maintain a higher credit score. Following the review, our team can advise the best course of action on how to best clear inaccurate defaults, court judgments, and expired records from your file.

Once a judgment has been obtained, there is a wide range of options available to your creditor to enforce the debt, these can include:

Call Kingsford Lawyers today so we can take the stress and worry away.

Whether you are a business or an individual, we will have the right solution for you

We Help Fix Your Credit Score

One of the biggest reasons businesses reach out to us is that they have had a court judgment placed against their credit report, sometimes completely unknown of at the time and only find out once the credit is denied.

A Judgement is a court order that places and adverse listing against the company’s name through the credit bureau. This adverse listing remains listed on your credit report for 5 years.

Kingsford Lawyers assists businesses to restore their creditworthiness by completely removing the judgment from your credit file legally and permanently as if it were never there subject to your creditor’s consent.

Once we are engaged we will act quickly to negotiate with the creditor to ensure no further legal action is taken in enforcing the debt and this, in turn, will reduce the thumbprint of legal costs and interest which you may be liable to pay the longer the judgment remains undealt.

Simply just paying the debt to the creditor does not remove the judgment from your company’s credit file, there is a process that must be followed and part of this process involves an application being made to the court. As part of our service, once we are engaged and have settled the matter with your creditor, we make this application to the court on your behalf.

our satisfied clients



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Reach out to us, and let’s work together towards a solution that brings you peace of mind and a positive step forward.

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