The Credit Busters guide

How much does
credit repair cost?

Credit repair pricing in Australia is all over the place, and some of it is designed to confuse you. Here is the plain version: what you should expect to pay, the difference between upfront fees and No Win, No Fee, and how the Credit Busters model works so you only pay if it actually works.

On this page

The two pricing models

Almost every credit repairer in Australia uses one of two models:

  • Upfront / pay-anyway. You pay a fee to start, often non-refundable, whether or not anything is removed. The risk sits entirely with you.
  • No Win, No Fee. There is no upfront cost, and you only pay a success fee if a listing is actually removed. The risk sits with the credit repairer.

Credit Busters uses the second model, and only the second model.

How No Win, No Fee works

With Credit Busters there is nothing to pay to find out where you stand. If your matter is accepted, you authorise a hold on your card so the success fee can be charged if and when a listing is removed. Your card is never charged at sign-up, and if nothing is removed, you are not charged at all. Don’t win, don’t pay.

What Credit Busters charges

The check is free. If Credit Busters takes on your matter, you get a clear price before any work starts, and that fee is only payable if the listing is removed. The exact figure depends on the type of listing and your file, which is why Credit Busters gives you a straight price after the free assessment rather than a one-size-fits-all number. See the full No Win, No Fee credit repair guide or how the Credit Busters process works.

Red flags to avoid

  • Guaranteed removals. No one can honestly guarantee a listing will be removed.
  • Big non-refundable upfront fees. If you pay regardless of the outcome, the incentive to actually win is gone.
  • Pressure and phone queues. Good credit repair does not need to rush you. Credit Busters is online, on your timeline.
  • No licence. Credit Busters operates under Australian Credit Licence 564856.

Is credit repair worth the cost?

If a default, enquiry, repayment-history mark or judgment is getting you knocked back, removing it can be worth far more than the fee, in lower interest, in approvals you would otherwise miss, and in the home loan or car you are actually trying to get. And because Credit Busters is No Win, No Fee, you are not out of pocket unless it works.

Frequently asked questions

Checking your eligibility can be free. Removing a listing is a paid service, but the fairest model is No Win, No Fee, where you only pay if a listing is actually removed. With Credit Busters the check is free and there is no upfront fee.
No Win, No Fee means there is no upfront cost and a success fee applies only if a negative listing is removed. If nothing is removed, nothing is payable. The risk sits with the credit repairer, not with you.
Not with a genuine No Win, No Fee service. Credit Busters does not charge an upfront fee. If your matter is accepted, a hold is placed on your card and the success fee is only charged if and when a listing is removed.
It depends on the listing and your file. Credit Busters gives you a clear price after a free assessment, and you only pay it if the default is actually removed. There is no upfront fee and no charge if it is not removed.
Large upfront fees and guaranteed-removal promises are warning signs. No one can honestly guarantee a removal. A genuine No Win, No Fee service, like Credit Busters, only gets paid if it delivers.
If a listing is blocking you from a home loan, a car, a card or a rental, removing it can save far more than the fee in interest and approvals. Because Credit Busters is No Win, No Fee, you are not out of pocket unless it works.

Find out your price for free.

The check costs nothing, it’s all online, and you only pay if Credit Busters wins.

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Find out if we can bust it.

It's free to check, it's all online, and you pay nothing unless we win.

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