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Credit Repair Australia Pty Ltd Terms & Conditions

Credit Repair Australia Pty Limited (CRA) operates this website service. When you use any aspect of this website these are the terms of use. 

The first step is to see if our services
are right for you:

  • You're an Australian resident
  • You're between 18-65 years old
  • You or your partner have a regular income
  • You may need to borrow money or take control of your debt
  • You may have been declined for a loan or have trouble paying your debt

And you understand that...

  • We'll work with you fully understand your financial situation
  • We will help you understand your credit report and the areas for improvement
  • You may yourself without charge obtain a copy of your credit record and challenge any entry on your credit report
  • If you're applying for credit restoration improvement, we cannot guarantee that all adverse credit notations are removed from your credit report
  • We can only use our best endeavours to ensure that your credit record is true and correct
  • We will not provide you with any Insolvency services unless and until we've advised you that you may obtain help, free of charge, with credit and debt related problems from community based financial counsellors.

Website Terms and Conditions

By using this website you agree to be bound by the terms of use set out in the Terms of Use. This is a legally binding agreement. Any use of this website implies agreement with these terms and conditions. If you do not agree to these terms you must leave this site immediately. Click here to be taken to Google, Yahoo or NineMSN

  1. CRA officers, directors, owners, agents, employees, information providers, (CRA affiliates) make no representation or warranty of any kind, that the content of this site, its functionality, or operation is error free, free from any defect or that defects will be corrected. The content is presented to you for illustrative purposes and as general information, it is not intended to be specific advice, and you should not rely on this information in making any decision about your finances, credit worthiness or related matters. You should seek and receive specific advice from a trained professional prior to making any decision, and conduct your own enquiries to ensure that you are familiar with all the aspects of your unique situation.
  2. CRA and its affiliates will not be liable for any damages, real or assumed, direct or indirect, punitive or consequential incurred as a result of the use of this site, or the information or materials contained within it. This includes, but not limited to any loss of income or profits, damages to third parties, contractual responsibilities, negligence or any tort.
  3. You hereby agree to indemnify, defend and hold CRA and all its officers, directors, owners, agents, employees, information providers, affiliates, (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms of Use including, without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defence of any claim.
  4. Should any part of the Terms of Use be declared invalid or unenforceable by a court of jurisdiction, this shall not affect the validity of any remaining portion and such remaining portion shall remain in full force and effect as if the invalid portion of the Terms of Use had been omitted.
  5. The terms of use shall be governed by and construed in accordance with the laws of the state of New South Wales, without regard to conflicts of laws provisions, sole and exclusive jurisdiction for any action or proceeding arising out of or related to this terms of use agreement shall be an appropriate or federal court located in the state of New South Wales.
  6. You have a right to dispute inaccurate information in your credit report by contacting the credit provider and/or the credit reporting agency directly. However, neither you nor any credit restoration organisation had the right to have fair, accurate, current, and verifiable information removed from your credit report.
  7. You have a right to obtain a copy of your credit report from a credit agency.
  8. You may be charged a reasonable fee.
  9. The terms of retaining CRA will be provided to you once you decide to retain the services of CRA.
  10. You may, on your own, notify a credit agency in writing that you dispute the accuracy of information in your credit file. The credit agency must then reinvestigate and modify or remove inaccurate or incomplete information. The credit agency may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit agency.
  11. If the credit agency reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit agency, to be kept in your file, explaining why you think the record is inaccurate. The credit agency must include a summary of your statement about disputed information with any report it issues about you.
  12. Aspects of the CRA website contain information about the law designed to help you understand the credit repair process. This is legal information, not legal advice.
  13. CRA has received legal opinion to ensure that the information is accurate and useful; CRA recommends you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
  14. The CRA site is protected by copyright as a collective work and/or compilation, pursuant to Australian copyright laws, international conventions, and other copyright laws. You are authorized to display, download, archive, and print a single copy of any information, including software, on The Site, or otherwise distributed by us ("Content") on one computer for your personal, non-commercial use only but you may not in so doing remove or amend any trademark, copyright or other proprietary notice.
  15. All materials contained on the CRA website are protected by copyright, and owned or controlled by CRA or the party credited as the provider of the content. You will abide by any and all additional copyright notices, information, or restrictions contained in any content on CRA website. Permission is given to view the material on these web pages and save that material only for your personal reference. Copying or storing of any content for other than personal, non-commercial use is expressly prohibited without the prior written permission from us or the copyright holder identified in the individual content copyright notice.
  16. Subject to the above, you may not modify copy, distribute, republish or upload any of the material on the CRA website in any way unless you obtain our prior written consent. No intellectual property or other rights shall be transferred to you through your use of CRA website. We are not able to confirm that the materials contained on these web pages are correct in every case. We reserve the right to make changes to this website, including the availability of any feature, database, content, web page materials, product information and prices on this website at any time without notice or liability. We may also impose limits on certain features and services or restrict your access to parts or this entire website without notice or liability.
  17. Where we provide hypertext links from or to third party sites we do so for convenience and information purposes only. We do not review, endorse, approve or control, and are not responsible for any sites linked from or to the website, the content of those sites, the third parties named therein, or their products, resources or services. Linking to any other site is at your sole risk and we will not be responsible or liable for any damages in connection with linking, and we accept no liability nor make any endorsement or approval of the same.
  18. By entering your details into this site and pressing submit, you authorise Credit Repair Australia Pty Ltd A.C.N. 103 959 502 (CRA) to act as your agent to exercise your rights to obtain access to all of your individual and commercial credit information in the possession or control of any credit reporting agency. This authority applies in connection with an application, by you for credit or having sought advice in relation to credit.
  19. These Terms of Use contain the entire understanding between us with respect to this website and no representation, statement, inducement oral or written, not contained herein shall bind either of us.
  20. We reserve the right, in our sole discretion, to change, modify, add or remove any portion of these Terms of Use, in whole or in part, at any time without notification.
  21. You agree to receive marketing material through emails from Credit Repair Australia. If you do not wish to continue this service you may email us at This email address is being protected from spambots. You need JavaScript enabled to view it. and request that you do not wish to receive emails from our company. Upon your request, we will endeavour to suppress your email address from our database.
  22. CRA agrees to provide access to this site on an "as is" basis in a manner consistent with these terms of use. We make no warranties as to its use or applicability for any other purpose. This includes, but is not limited to all content, software, material and information.
  23. Where a broker engages with a CRA client, both the broker and CRA client provides CRA an irrevocable authority to engage in full and frank disclosures with their broker using our online portal or other method of communication, and authorise CRA to request (or provide) any client details or other necessary information from their broker, and the broker warrants that they have gained permission from the client for CRA to update the CRA client’s broker simultaneously, prior to or following when an update is provided to the CRA client by CRA.
  24. The Privacy Policy also forms part of these terms and conditions.
  25. You can view our Complaints Handling Policy here.
  26. If you supply us with your postal address online, you may receive periodic mailings from us with information on products and services or upcoming and/or current events. If you do not wish to receive such mailings, please let us know by sending an email to us at This email address is being protected from spambots. You need JavaScript enabled to view it.. Please provide us with your exact name and address. Upon your request, we will endeavour to suppress your name from our database.
  27. Persons who supply us with their telephone numbers online may receive telephone contact from us in relation to our services. They also may receive telephone contact from us with information regarding products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it. or postal mail to us at the above address. Please provide us with your correct telephone number. Upon your request, we will endeavour to suppress your telephone number from our database.
  28. We also reserve the right to release information as required by any governmental or law enforcement agency or under a court order issued by a court of competent jurisdiction.

Credit Restoration Money Back Guarantee Terms and Conditions

You may request a refund of both the service and success fees, provided all of the following conditions have been met:

  1. No matters have been successfully negotiated within 12 months of CRA receiving a signed and valid “Privacy Consent Form”, AND
  2. The information provided by you to CRA is true and correct in all material particulars, AND
  3. Further information or actions requested from you by CRA has been provided within a reasonable period of time.

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