Credit Enquiries

Every credit application is a ping on your credit history. Let’s take them out.

Too many enquiries makes
 you look desperate

Every credit application leaves a footprint on your record—a little enquiry notation that tells lenders “I was here, checking you out.” A couple prints in the sand? No big deal, it happens all the time as people window shop around.

But when those footprints start forming a trail, a pathway crisscrossing all over from too many applications in a short period, that’s when lenders start raising their eyebrows.

That “credit hungry” trail of breadcrumb enquiries paints you as a high-risk borrower. They figure you’re either desperate for credit or have bitten off more than you can chew financially. So they’ll pretty often just deny you or give you outrageous terms and interest rates.

Let’s get unnecessary
enquiries out of your report

Our credit repair specialists thoroughly analyse your credit report to identify any illegitimate, redundant or unnecessary enquiries we can remove. Multiple enquiries for the same purpose, such as shopping around for a car loan, may be treated as a single enquiry.

We then follow a proven process to get unnecessary enquiries removed from your file. By minimising the amount of enquiries on your record, you can:

Boost that credit score by clearing out unjustified enquiries,
Present as a low-risk borrower, and
Qualify for better loan terms and rates with a nicely cleaned up report.

Get started

Here’s how it works

Having bad credit can feel like a life sentence, but we can fix it.

Contact our team

Call or book an appointment. We’ll assess your situation and see if we’re a good fit to fix your credit issues.

Assessment

Once we’ve reviewed your situation and set expectations, you sign the necessary documentation for us to move forward.

Advocate

We get to work, reaching out to relevant credit providers to dispute or negotiate negative information from your credit history.

Resolution

Once we reach a resolution, we’ll contact you with the news.

Celebrations!

Take the first step

Why choose Credit Check?

We fearlessly represent you

Never stress about calling or receiving a call from your creditor again. We become your voice. Our team will handle your credit issues, negotiate, and advocate on your behalf. You pass it to us and we do the rest.

We act fast

We know time matters, so we do our best to get the outcomes you desire in the shortest possible time.

We understand the laws

We possess extensive knowledge of debt, credit laws, and protect your consumer rights. We never shy away from legal jargon or complicated credit. If justice is required, we’ll fight for you.

Authorised Credit Report Access Seeker

Testimonials

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Emily's smile after improving her credit

Success Stories

Credit repair changes lives. See how we’ve helped people just like you.

View our Success Stories

We’re ready to help you

All conversations are 100% confidential.

Call 1300 323 321

*Operating hours: 9 AM to 6 PM AEST, Monday to Friday

OR

Book a free 15 minute clarity call below.

Frequently Asked Questions (FAQs)

How long does a credit enquiry last on my credit report?

A credit enquiry stays on your credit report for 5 years.

Can an enquiry listing be removed from my credit report?

Yes, it can. There are strict rules governing credit enquiry listings. Knowing the rules allow us to advocate on your behalf and find reasons why it can and should be removed. We have a very high success rate of removal.

Trying to do it yourself is very hard and may cause issues for future removal. Please speak with our team first before doing anything.

Does applying for credit impact my credit score?

Yes, everytime you apply for a loan, it may impact your credit score. Personal loans, small loans, buy now pay later, car loans, credit cards and other forms of credit are new risks and therefore affect your credit score..

How often should I apply for credit?

You want to avoid making multiple applications in a short time period. Try to keep applications to a minimum. No more than 1 credit application every 3-6 months. You can also speak with a finance broker and ask them for advice. You want to minimise the number of new applications (credit enquiries), as this is what decreases your score and can have an impact on the interest rates of future borrowing. The less you do it, the better your credit score.

We’re ready to help you

All conversations are 100% confidential.

Call 1300 323 321

*Operating hours: 9 AM to 6 PM AEST, Monday to Friday

OR

Book a free 15 minute clarity call below.

Phone:	1300 323 321
Address:	Level 10, 36 Marine Parade, Southport, QLD 4215

Authorised Credit Report Access Seeker

Acknowledgement Of Country

Credit Check acknowledges the traditional custodians of the land on which we listen, learn, live, love and work together.

We pay our respects to Elders past, present and emerging, and to all First Nations peoples, and are committed to building relationships, respect, and opportunities for all.

Credit Check Pty Ltd (ABN 79 647 680 635) provides ‘debt management services’ as defined in the National Consumer Credit Protection Regulations 2010 and in accordance with the National Consumer Credit Protection Act 2009. Credit Check has been appointed as a credit representative (ACR 543507) of QED Credit Services Pty Ltd (ACN 147 272 295) trading as Pursuit Broker Services (ACL 387856). Credit Check is registered with the Australian Financial Complaints Authority (AFCA) external dispute resolution scheme, our member number is 109955.

Credit Enquiries

Too many enquiries makes
 you look desperate

Let’s get unnecessary
enquiries out of your report