Terms
No Win, No Fee Terms
These terms explain how Credit Busters works, what you pay and when, and what each of us is responsible for. Please read them before you ask us to act for you.
Version 1.2 · Effective 31 May 2026.
1. Who these terms are with
1.1 These terms are between you and Credit Busters (“Credit Busters”, “we”, “us”, “our”), which provides No Win, No Fee credit repair services and operates under Australian Credit Licence 564856.
1.2 By submitting a free check you ask us for an Assessment. You become bound by these terms only if we make you a written offer to act and you accept it in writing (clauses 3 and 4).
2. Definitions
2.1 Credit file means your consumer credit report held by a Credit Reporting Body.
2.2 Credit Reporting Body means a body that holds consumer credit reports, such as Equifax, illion or Experian.
2.3 Listing means an entry on your Credit file that we agree to work on, such as a default, a credit enquiry, repayment history information, or a court judgment or writ.
2.4 Assessment means our free, no-obligation review of your Credit file and the information you give us, to decide whether we believe a Listing can be removed.
2.5 Removal / Removed means that, at any time after we begin work on a Listing, that Listing is deleted, withdrawn, amended or corrected so that it no longer appears as an adverse entry on your Credit file. Because your engagement with us is exclusive (clause 2.9), a Removal counts as achieved by us regardless of its immediate cause, except where it results solely from the Listing reaching its pre-existing scheduled expiry (ageing-off) date.
2.6 Success Outcome means any of the following occurring after we begin work on a Listing: (a) a Removal; or (b) the creditor or Credit Reporting Body agreeing (including in writing, and including conditionally on payment) to remove, withdraw or amend the Listing so it is no longer adverse; or (c) you entering into a payment arrangement with, making a payment to, or making an accepted offer to the creditor in relation to the Listing; or (d) any similar outcome reasonably connected with our work. A Success Outcome entitles us to the Success Fee for that Listing.
2.7 Success Fee means the fixed fee payable for a Listing on a Success Outcome, as set out in your service agreement.
2.8 Card Authorisation means both: (a) the hold we place on your nominated card (like a hotel pre-authorisation) to confirm the Success Fee is available; and (b) your authority for us to charge that Success Fee to your card — whether by capturing the hold or by charging your saved card — on a Success Outcome for that Listing.
2.9 Exclusive engagement means that, while we are acting on an accepted Listing, you appoint us exclusively for that Listing: you will not engage any other person to work on it, and you will direct related communications through us.
3. The free assessment
3.1 Submitting a free check is a request for an Assessment only. It costs nothing, places you under no obligation, and does not create an engagement until we confirm in writing that we offer to take you on and you accept our offer.
3.2 Before we accept your matter and begin work, you may withdraw your free check at any time at no cost.
4. Accepting your matter
4.1 Because we work No Win, No Fee, we only take on Listings we genuinely believe we can remove. We may decline a matter, and we will tell you honestly if we do not think we can help.
4.2 We accept a matter only when we confirm it to you in writing as an offer to assist, and you confirm in writing that you accept our offer. From that point you are bound by these terms.
5. What we tell you before you authorise us
5.1 Before you authorise us to act, we will tell you in writing exactly which Listings we are taking on and the Success Fee that applies to each.
6. Fees and Card Authorisation
6.1 Our fee is a fixed Success Fee for each Listing that is Removed, or that reaches a Success Outcome (clauses 2.5 and 2.6).
6.2 The amount that applies to your matter is set out in your service agreement and disclosed to you in writing before you authorise us to act, so you always know the price before anything is charged.
6.3 A Success Fee is only charged after a Success Outcome occurs for that Listing (clause 2.6). There is no upfront fee.
6.4 If multiple Listings are accepted, a Success Fee applies to each. We place a separate Card Authorisation (hold) for each accepted Listing. We charge the hold for a Listing when that Listing reaches a Success Outcome, and we release the hold for a Listing if it does not.
6.5 The hold confirms the funds are available at the time it is placed. You must ensure the full Success Fee amount remains available on your card at all times while we act on a Listing. Keeping the funds available is your responsibility, not ours.
6.6 If a charge or capture fails for any reason, you must pay the Success Fee immediately. If you do not pay immediately, we will take prompt steps to recover the amount, which may include legal action. Recovery or legal action can result in a court judgment and additional legal and recovery costs being recorded against you, including on your credit file, showing that Credit Busters — a credit repair company — was not paid. This is a serious adverse mark that other credit providers and credit repairers can see, so it is strongly in your interest to ensure the fee is paid on a Success Outcome.
7. Creditor offers, payment arrangements and completion
7.1 Where a creditor or Credit Reporting Body agrees to remove or amend a Listing on payment, or where a payment or payment arrangement is required, then once we obtain that agreement our work on that Listing is complete and the Success Fee for that Listing is charged immediately (clause 2.6).
7.2 On completion of a Listing we will tell you what to do next regarding payment of any amount still owing, provide you the contact details of the people we have dealt with, and close that matter. Arranging and making any payment to the creditor is your responsibility, dealt with directly between you and the creditor.
7.3 During onboarding we will ask whether you are able to pay the listed debt in full, make an offer, or enter a payment arrangement, and if so how much, so we can pursue the most effective path to a Removal.
8. Your obligations
8.1 Give us accurate, complete and up-to-date information.
8.2 Confirm you are the person the Credit file relates to and that you are authorised to ask us to act.
8.3 Honour the Exclusive engagement (clause 2.9) for each accepted Listing while we are acting on it.
8.4 Cooperate with reasonable requests, including providing identification and documents we need.
8.5 Not ask us to do anything misleading, dishonest or unlawful.
8.6 Keep your nominated card details current while we are acting for you.
9. Authority to act
9.1 When we accept your matter, you authorise Credit Busters to deal with Credit Reporting Bodies and credit providers on your behalf for the purpose of assessing and seeking the Removal of the accepted Listings.
9.2 You may withdraw this authority by giving 14 days’ notice in writing. Doing so may end our ability to continue your case. On withdrawal, for each affected Listing 50% of the held Success Fee is charged to you for the work done and the remaining 50% is released (consistent with clause 10).
10. Cancellation
10.1 Before we accept your matter and begin work, you may cancel at no cost (clause 3.2).
10.2 Once we have accepted your matter and begun work, you may not simply cancel. Your options are:
10.2(a) Let us continue to conclusion. If we do not achieve a Success Outcome for a Listing and we stop work, no Success Fee is payable for that Listing and the held amount is released; or
10.2(b) End the engagement early. If you require us to stop work on a Listing before its conclusion, 50% of the held Success Fee for that Listing becomes payable to us for the work done, and the remaining 50% is released.
11. What we do not promise
11.1 No one can honestly guarantee a Removal, and we do not. We only take on Listings we believe we can remove, and we use reasonable care and skill. Outcomes depend on the facts of each Listing and on third parties such as Credit Reporting Bodies and credit providers.
12. Complaints and dispute resolution
12.1 If you have a complaint, contact us first at complaints@creditbusters.com.au so we can try to resolve it.
12.2 If we cannot resolve it, you may refer the matter to the Australian Financial Complaints Authority (AFCA), our independent external dispute resolution scheme. Our AFCA membership details are available on request.
13. Your rights under Australian Consumer Law
13.1 Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law or other laws that cannot be excluded. Where we may limit our liability, it is limited to re-supplying the service or paying the cost of having it re-supplied.
14. Privacy
14.1 We handle your information in line with our Privacy Policy, which forms part of these terms.
15. Changes, versioning and governing law
15.1 We may update these terms from time to time. The current version (number and effective date) is shown at the top of this page, and the version on this page applies to your engagement.
15.2 We keep previous versions for historical and audit purposes. Each time these terms change, the prior version is archived as a time- and date-stamped PDF.
15.3 These terms are governed by the laws of Queensland, Australia.
16. Contact
16.1 Questions about these terms? Email us at terms@creditbusters.com.au.