4.9rating from over 4,900+ customers

Having trouble with your credit score?

Improving your credit score can be difficult when you have so much financial stress weighing you down. But there is a way forward.

How to take back financial control

When your credit score drops, it can impact the rest of your finances, putting added pressure on trying to find loan options and your overall financial situation.

Access help

See if you’re eligible for a debt management solution with our free assessment.

Explore solutions

We’ll offer a tailored solution to help you take back control of your finances.

Move forward

Plan out your next steps with detailed financial assistance.

Get support

Our Success Specialists are with you every step of the way.

We can help you get back on track

We understand how hard it can be to maintain your credit score. That’s why we offer to help find the best debt management solution for your situation.

We understand how it feels

Mounting debts and overdue bills can be overwhelming, especially when they impact your credit.

Tackling credit score worries

When you contact our team and submit an application, we’ll help you with a tailored debt solution. This will reflect your current financial circumstances as reflected in your application.

Why customers choose Revive

Get a free and confidential assessment based on your credit score issues. We’ve already helped thousands of Australians take back control of their finances.

Revive process

Your step-by-step Financial Action Plan

Here’s how we can work together on resolving your credit score issues:

Submit application

Submit your free assessment to see if you’re eligible for a tailored debt solution designed to improve your finances.

Implement solution

We’ll set up your new solution so you can clear your unsecured debts and then work towards rebuilding your credit score.

Regain control

Benefit from supportive, non-judgmental debt management from skilled Success Specialists.

Solutions to bad credit situations

Bad credit isn’t the end. There are many debt management solutions that can help.

Debt consolidation

Consolidate multiple loan repayments into one to reduce interest and manage debts more effectively.

Part IX (9) Debt Agreement

Tackle smaller debts with a Part 9 Debt Agreement, for a legal and binding solution that can help you maintain repayments.

Informal Agreement

Negotiate an Informal Agreement to adjust repayment terms and make your finances more flexible.

Want to learn more?

Explore our Knowledge Centre guides to learn more about debt management solutions for improving your credit score.

Get clarity on your credit card repayments

Use our free credit card calculator to understand your repayment timeline.

Essential support for credit score issues

Learn how to manage your debt and get your finances back on track.

What you should do
What you should avoid
Missed payments?
Bring accounts up to date ASAP
Ignoring overdue balances
Checking your credit file?
Review your report regularly
Avoiding or not checking your report
Errors on your report?
Dispute inaccuracies promptly
Leaving incorrect listings unresolved
Managing repayments?
Make consistent, on-time payments
Missing or delaying payments
Applying for credit?
Limit applications and space them out
Submitting multiple applications quickly
Outstanding debts?
Arrange payment plans if needed
Letting debts progress to default
Improving your position?
Build positive repayment history over time
Expecting quick fixes or shortcuts
Why choose Revive Financial?

Australia’s leading provider of debt management solutions.

4.9 / 5 rating

From over 4,900 reviews

39,000+

Lives transformed

20+ years

Helping everyday Australians

Ready to take back control of your finances?

Make your credit score issues a thing of the past with our debt management solutions. Speak to our Success Specialists today.

Frequently asked questions

Answers to most commonly asked questions on credit score issues.

A number of different factors can contribute to a bad credit score, including missed or late payments, multiple rejections from credit applications, and mounting debt. However, bad credit isn’t the end. You can usually improve it through a structured financial plan and with the right support.