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 more than 30 years of combined experience from across the credit industry — including roles in lending, credit bureaus, and debt collections. That inside knowledge matters: it means Edit Credit understands not just the rules, but how credit providers, bureaus, and collectors actually operate in practice. The business was built on the belief that people deserve honest, expert help navigating a system that can be difficult to understand from the outside.

2. What makes Edit Credit different from other credit repair services?

Most credit repair services rely on high-volume, generic dispute templates. Edit Credit takes a manual, forensic approach — each listing on your credit file is assessed individually against its specific legal and procedural circumstances. There are no templates, no one-size-fits-all letters. Edit Credit also holds its own Australian Credit Licence (ACL: 567810) and is a member of AFCA (114066), operating with the same regulatory accountability as the lenders and credit providers it works with. Most competitors don't hold their own licence.

3. Is Edit Credit a law firm?

No. Edit Credit is not a law firm and does not provide legal advice. What it provides is specialist industry expertise — an understanding of how credit reporting law, the Privacy Act, and lender obligations work in practice, built from years of working inside the system. Where a situation warrants legal advice alongside the credit repair process, Edit Credit will say so and can provide referrals to appropriate professionals.

4. Does Edit Credit work with businesses and company directors, not just individuals?

Yes — and this is an area most credit repair services don't cover. Edit Credit specialises in the intersection of personal and commercial credit reporting, working with company directors, self-employed individuals, and businesses where credit file issues are affecting lending capacity, insurance eligibility, or business operations. Common commercial issues include defaults incorrectly appearing on a director's personal file, single facilities duplicated across multiple entities, and credit enquiries made without proper authorisation. This is particularly relevant for builders and contractors, where director credit history can affect HBCF and Domestic Building Insurance eligibility.

5. How do Edit Credit's fees and refund policy work?

The initial assessment is free — Edit Credit reviews your situation and tells you honestly what can and can't be achieved before any fees are discussed. For most consumer cases the fee is $770 (GST inclusive) for the first listing, with $550 per additional listing. Commercial and more complex matters are scoped individually, with bundle pricing available where multiple issues are being addressed. Edit Credit backs its work with an outcome-based refund guarantee: if a successful outcome cannot be achieved for a specific listing after all reasonable avenues are exhausted, the fee for that listing is refunded. Where a case is agreed upfront as fee-for-work-done, this is always documented in writing before any payment is made.

6. Can you guarantee a result?

No — and any service that does should be treated with caution. Final outcomes are determined by third parties: credit providers, bureaus, and independent bodies like AFCA. What Edit Credit can guarantee is a thorough, expert investigation of each listing and honest advice about what's achievable before work begins. The refund policy is designed to back that commitment: if the work doesn't deliver an outcome, the fee for that listing comes back to you.

7. Can Edit Credit help with complicated cases?

Yes. More complex situations — multiple listings across company and individual files, hardship circumstances, commercial credit issues, or matters that may require escalation to AFCA — are well within Edit Credit's scope. The starting point is always a free assessment, after which a clear strategy is designed for your specific situation before any commitment is required from you.

8. Do you work with professionals who want to refer clients?

Yes. Edit Credit has a formal referral partner program for mortgage brokers, finance brokers, insurance brokers, accountants, financial planners, conveyancers, and other professionals whose clients encounter credit file issues. The program includes real-time case tracking via a partner portal, a $200 success fee per resolved referral, and a Client Return Guarantee — your client is referred back to you once Edit Credit's work is complete. More information is at editcredit.com.au/partners.

9. Do you work with clients all over Australia?

Yes. Edit Credit operates as a fully digital service and works with clients nationally across Australia.

10. How do I get started?

The first step is a free assessment. Get a copy of your credit report from Equifax or Experian — you're entitled to one free copy from each every three months — and get in touch at editcredit.com.au/contact. Edit Credit will review what you've got and tell you clearly what's possible before anything else is discussed.