By enrolling in the Perfect Score program, we'll collaborate with you to deepen your understanding of your credit file, banking habits, and goals. Our dedicated team will work to clear any negative listings that are impacting your credit score. Simultaneously, the program will guide you in managing your bank statements and finances effectively. This dual approach is designed to enhance your credit rating and prepare you for obtaining finance.

Yes, the Perfect Score program is designed for everyone, regardless of your credit standing. Whether you're looking to improve your financial knowledge or ensure your credit is in optimal condition, our program can help you achieve your financial goals.

Unfortunately, no. The default is a record that the debt wasn't paid on time and acts as a warning to future lenders. Occasionally, the lender might update the default to "paid", but the negative mark will remain for 5 years from the date it was listed. However, the team at Perfect Score may be able to remove the default off your credit report.

The 12-step program is designed to progress at a pace that suits you. Whether you finish one course weekly or annually, the choice is entirely yours. Meanwhile, our team will work on your credit files in the background. Our aim is to prepare our clients to be able to reapply for their loans within a timeframe of 6 to 12 weeks.

Unfortunately, we can't remove Bankruptcy and Part 9 Debt Agreements as they are recorded with the Australian Financial Security Authority. Bankruptcy typically stays on your credit file for five years, though you're discharged after three years and one day.

A Part 9 Debt Agreement is also typically noted on your credit report for five years, provided you adhere to the payment schedule. Should you settle the agreement early, it will be marked as discharged but will still appear on your credit file for the entire five-year term or for an additional two years from the payout date, whichever period is longer.

No company can guarantee the removal of information on your credit file - but we are committed to dispute your case and improve your credit history. The Perfect Score program aims not only to address issues on your credit file but also to get you on the right path to financial health and stability. What we can guarantee is that if you follow our complete program, we will have you become a more credit worthy applicant.

Perfect Score is not a lender, but we have an impressive network of over 55 organisations that can assist you with your finance applications afterwards. The program will teach you how to get approved for car loans, personal loans, mortgages, business loans and more.