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How credit repair works
Credit repair focuses on understanding what information has been recorded on your credit file and whether that information is accurate, fair, and correctly reported.
At Clear My Debts, we help you obtain and review your credit reports, explain what each listing means, and identify whether there may be inaccuracies, duplications, or unfair entries that can be disputed.
Where information is correct, it cannot be removed — and we’re upfront about that. In those cases, we help you understand what steps can improve your credit position over time through better structure, repayment behaviour, and financial planning.
Understanding your credit history
Your credit history is a record of how you’ve managed credit over time — including loans, credit cards, repayments, defaults, and applications.
This information is used by lenders, utilities, and service providers to assess risk. Even small inaccuracies can have an outsized impact on your ability to access finance or negotiate better terms.
Reviewing your credit report is often the first step toward regaining control.
What we help you with
We support you through the credit repair process with clarity and realism.
- Obtaining and reviewing your credit reports
- Explaining what each listing means in plain English
- Identifying potential inaccuracies or unfair listings
- Guiding you through dispute and correction processes
- Helping you understand realistic pathways to improvement
Our focus is on accuracy, education, and long-term improvement, not shortcuts.
What credit repair can help with
Credit repair may assist with correcting:
- Incorrect personal information
- Duplicate or repeated debt listings
- Debts wrongly attributed to you
- Defaults recorded inaccurately or prematurely
What credit repair cannot do
- Remove accurate and properly reported information
- Instantly “fix” a low credit score
- Override lender or credit bureau rules
If information is correct, time and consistent financial behaviour are often required.
Who credit repair support may suit
This service may be helpful if you:
- Have been declined for finance and don’t know why
- Suspect errors or unfair listings on your credit file
- Feel unsure how lenders see your financial position
- Want to improve future borrowing options
- Prefer guidance rather than guessing