Partner with Us
Why Us?
Partnering with Edit Credit turns a client decline into a proactive next step for your client — not a dead end.
We investigate both consumer and commercial files, resolving the roadblocks that stop deals from progressing or drive up insurance premiums.
We also help your clients navigate the credit ecosystem safely going forward — so when it's time to settle or renew, they're in the best possible position.
Who We Work With
We partner with professionals whose clients hit credit history roadblocks
Mortgage & Finance Brokers
Your client has been declined or flagged with a credit issue. We investigate and correct the file so the deal can proceed — and our Client Return Guarantee means your client comes back to you, not a competitor, when they're ready to settle.
Insurance Brokers & Advisors
Poor credit history affects more than lending. For business clients — particularly builders — it can inflate premiums, restrict coverage, or affect HBCF eligibility. We audit files ahead of renewal so your client is in the best position before the conversation starts.
Industry Associations
Building and construction industry associations whose members face credit-related barriers to insurance eligibility or project capacity — we can help. If director-level credit issues are affecting what your members can take on, get in touch to discuss how we can support them.
Accountants & Financial Planners
Your client's credit history is affecting their ability to execute on a financial strategy.
We provide the technical investigation and correction to remove that barrier — so the plan you've built can actually proceed.
Conveyancers
A transaction is at risk because the buyer's finance has been declined at the last minute.
We provide rapid triage and clear timelines so you know what's possible and when.
For clients with commercial credit file issues, see our commercial credit review service — or for builders and contractors, our specialist builder support.
Why refer to Edit Credit?
We've eliminated the guesswork from credit repair. Rather than relying on high-volume, generic templates, we take a manual, forensic approach — investigating the procedural accuracy of each listing, the validity of the underlying data, and the specific circumstances surrounding each credit event.
We operate with the same regulatory rigour and professional accountability as the partners we serve, backed by our own Australian Credit Licence. We navigate the layers of credit reporting bureaus, lender IDR teams, and external bodies including AFCA and the OAIC to get results.
Every case gets a considered strategy, not a template — from people who understand how lenders, bureaus, and collectors actually think.
Home Loan & Finance Readiness
We move your client from "Declined" to "Approved" by ensuring their file meets strict bank lending criteria. Beyond approval, a corrected file often unlocks better interest rates and lending terms — meaning a better outcome for your client, and a stronger settlement for you.
Insurance & Renewal Readiness
We audit files ahead of major insurance renewals and facility reviews — identifying and correcting issues before they affect coverage, premiums, or project capacity. Particularly relevant for builders and contractors where insurance eligibility is tied to director and company credit profiles.
Commercial & Director Remediation
For self-employed and builder clients, we handle the technical investigation required to get finance and projects moving. We fix the errors on company and individual credit files that inflate risk assessments or restrict capacity — ensuring your client's credit history is accurate and doesn't unfairly limit their business.
Flexible Payment Options
Many clients are cash-strapped while saving for a deposit.
We offer a Pay on Settlement option with a small upfront commitment and the balance paid once the loan settles — keeping your pipeline moving.
Real-Time Transparency & Communication
Referral partners have access to a dedicated portal for real-time tracking — so you're never left wondering about the status of a file.
Backed by a commitment to regular, proactive updates throughout the life of every case.
Managing
Vulnerability
We handle sensitive cases including extreme financial hardship and coercive control, with strict protocols to ensure client safety and privacy are prioritised throughout.
Partner Referral Fee
We pay a $200 success fee per successfully resolved customer referral — paid on outcome, so you're rewarded when your client gets a result.
