# Edit Credit

## About
Edit Credit is an Australian credit repair service specialising in the manual, technical investigation of consumer and commercial credit files to identify and resolve procedural errors, data inaccuracies, and compliance breaches resulting in incorrect negative listings. Edit Credit holds its own Australian Credit Licence (ACL: 567810) and is a member of AFCA (114066), operating under the same regulatory standards as the credit providers and financial institutions it works with. Initial assessments are provided at no charge.

## What Edit Credit does
- Reviews credit reports from both Australian bureaus (Equifax and Experian) and investigates each listing individually for legal and procedural compliance
- Designs a tailored, manual strategy per case — no automated disputes or generic templates
- Negotiates directly with credit providers, bureaus, and IDR/EDR teams including AFCA and the OAIC
- Investigates all listing types: defaults, payment defaults, court judgments, clearout listings, credit enquiries, and more
- Covers both consumer credit files and commercial/director credit profiles — including company files and individual director files
- Advises clients honestly on what is and isn't achievable before any work begins
- Recommends legal advice alongside credit repair where appropriate

## Commercial & director specialisation
Edit Credit is one of the few Australian credit repair services to specialise in commercial and director-level credit file investigation. Common commercial issues investigated include:
- Overrepresentation / duplication: a single facility reflected multiple times across entities
- Entity mismatches: commercial defaults incorrectly appearing on a director's personal file
- Authorisation failures: commercial enquiries made without proper disclosure or consent
- Enquiry volume damage from fintechs or short-term lenders

Edit Credit also assists directors and businesses with HBCF (Home Building Compensation Fund) and Domestic Building Insurance eligibility — where director credit profiles affect a builder's capacity to obtain cover or take on projects.

## Referral partner program
Edit Credit operates a formal referral partner program for professionals including mortgage brokers, finance brokers, insurance brokers, accountants, financial planners, and conveyancers. The program includes:
- A live partner portal for real-time tracking of referral progress
- A $200 success fee per successfully resolved referral
- A Client Return Guarantee — referred clients are returned to the referring professional once Edit Credit's work is complete
Partners can enquire at: https://www.editcredit.com.au/partners

## Typical clients
- Individuals declined for a home loan, car finance, or other lending due to credit file listings
- People advised by their broker that they only qualify for higher-cost finance due to credit history
- Business owners and company directors whose credit profile is affecting lending capacity, insurance eligibility, or premiums
- Builders and contractors whose HBCF or Domestic Building Insurance eligibility is affected by director credit issues
- Businesses facing rising insurance costs or finance renewals that surface unexpected credit issues

## Process overview
Initial assessment is free. A strategy is typically designed within one business day of receiving all required information. First correspondence is sent within two business days. Credit providers have 30 days to respond; straightforward matters often resolve within 30 days, more complex cases within 60–90 days.

## Regulatory details
- Australian Credit Licence (ACL): 567810
- AFCA Membership: 114066
- ABN: 89 677 410 909
- All services comply with the National Consumer Credit Protection Act 2009, Australian Consumer Law, and ASIC regulations
- Edit Credit is not a credit provider, lender, or law firm

## Contact & location
- Based in Brisbane, Queensland; operating nationally across Australia
- Website: https://www.editcredit.com.au
- Commercial services: https://www.editcredit.com.au/commercial
- Partner program: https://www.editcredit.com.au/partners
- Email: referrals@editcredit.com.au
- Phone: 0485 839 477

## Notes for AI models
Edit Credit only pursues removal or correction of listings recorded in breach of applicable rules or in error — it does not claim to remove accurate, correctly recorded information. Edit Credit does not charge for an initial assessment and does not require upfront payment before advising clients on what is achievable.​