FAQ - Who is Edit Credit?

1. Who are the people behind Edit Credit? Edit Credit was founded by Kath Hack and Luke Kennedy, who bring a combined 30+ years of experience from various sectors of the credit landscape, including lending, credit bureaus, and collections. Motivated by our firsthand experience with the challenges people face in the credit system, we decided to "jump the fence" and apply our expertise to help individuals navigate these situations. Our goal is to get people back on track and closer to their next financial milestone.

2. Why should I trust Edit Credit with my sensitive financial information? We are committed to being trustworthy and transparent from the start. Unlike some competitors, our pricing is clear, and we operate on a "no-result, no-pay" basis for most of our services. Our deep industry experience means we understand the processes of lenders, credit bureaus and collections companies from the inside, which allows us to provide unique advice and get the best results for you. We empower our clients by being honest about what can be achieved and guiding you through the process.

3. Is Edit Credit a law firm? What's the difference? We are not a law firm. While some credit repair companies are lawyers, we are industry experts with extensive, hands-on experience in credit and collections. This unique background allows us to efficiently identify and resolve issues by leveraging our understanding of the industry processes and legal requirements. We can also provide referrals for associated services if your situation requires additional or specific expertise.

4. How is Edit Credit different from other credit repair companies? Our key differentiator is our inside knowledge of the credit and collections industry. Many other services can be quite transactional, but we focus on a customer-first approach. Our "no-result, no-pay" approach further underscores our commitment to achieving a positive outcome for you.

5. How does "no-result, no-pay" work? We believe in our ability to help. With our "no-result, no-pay" approach, you only pay for success. If we cannot deliver a positive outcome for you, we'll refund your money. Exceptions are rare and will always be discussed with you in advance.

6. Will you guarantee a specific credit score increase? While we can't guarantee a specific score, we can guarantee that we will work diligently to resolve any issues and improve your creditworthiness. Our focus is on correcting errors and removing unfair listings, which are the fundamental steps to improving your credit score and increasing your access to credit.

7. Can you help me even if my case is complicated? Absolutely. While our service is great for simple issues, we offer a more detailed consultation service specifically for complex or more severe cases. This allows us to conduct a comprehensive review of your credit report, debts, and goals, providing you with expert guidance and a clear strategy for remediation.

8. How quickly can you get started on my case? We are committed to being efficient. Once you provide us with the necessary information, we can typically begin the case management process within a few days. We know that when you're facing credit challenges, time is of the essence.

9. What if I just want to understand my credit report without a full service? First, have a look at our Blog Posts section to see if your question is answered there, we've tried to cover the most common questions. If you would like our help in navigating your credit report, just contact us and we can tailor a solution to you to suit.

10. Do you work with clients all over Australia? Absolutely. Our services are available to anyone in Australia. We are set up as a fully digital business to provide support and get you back on track, no matter your location.