Let A Fully Qualified Lawyer

Help You Solve

Your Bad Credit history


Joseph Trimarchi and Associates are an accomplished Law Firm that specialise in Australian Credit Reporting Law and Credit Repair.


We pride ourselves in providing our clients with solutions aimed at restoring their Credit History by rebuilding Credit Worthiness.


We operate Australia Wide and we are proud to have helped thousands of Australians qualify for the finance they deserve.

We charge No Upfront Fee and all of our fees are charged on a
No Win No Fee Basis.

In simple terms, if the listing on the credit file has been added incorrectly or by mistake there is a strong chance it can be removed. This information can remain on your credit file from (5) to (7) years. A bad credit history may see you rejected for finance or may see you paying an interest rate on monies borrowed higher than normal rates offered in the market place. Any application for finance, being loans, credit card, mortgage or even applying for a phone account, water or electricity account will mean your credit file will be checked by the finance company or utility company to see if you are credit worthy. The type of things that may be recorded on your credit file are; Name, address and date of birth Finance applied for, dollar amount of finance you applied for Late payments and non-payment of loan obligations

Our team deals with thousands of people Australia Wide who have a problem with their Credit File. All you need to do is give us a call or send us an email telling us your problem. We will be sure to get back to you immediately. We may be able to remove defaults, judgments, cross references, mistaken entries and some enquiries. These will appear on your credit file, you should obtain a copy of your credit file to see what appears on there. Stop applying for finance as you will get rejected, this leads to further damage on your credit file.

We are credit repair lawyers qualified to practise law in the Supreme Court of NSW and the High Court of Australia. Most Credit Repair companies are unqualified to understand the complexities of the law which regulates this area. It is dangerous to place your credit worthiness in the hands of organisation that do not known what they are doing. We charge all of our fees on a No-Win -No- Fee Basis. We are good at what we do. So we give you the ultimate guarantee, don’t pay us unless we achieve a removal of the listing from your credit file. If you have multiple listing on your credit file, we will advise which listing should be worked on first so as to give you the best possible result. Most credit repair companies will work on the easiest listing achieve a removal and then indicate they cannot help any further. By this time you have paid an upfront fee, paid for a removal and your credit worthiness has not been improved. We disclose to you up front our fees and advise you that not all listings can be removed. We will work towards improving your credit position and we take pride in treating each and every client with respect and honesty.


Lawyer Services

There are well in excess of 14 million credit files in Australia and there are in excess of (3) million negative listings on credit files.

Even one small negative listing on a credit report will have the potential of stopping you from obtaining credit for (5) years and in some cases (7) years. The effects of this could be devastating on your family or even your business. There is good news, in many cases these negative listings can be permanently removed from your credit.

Payment Defaults or Overdue Accounts

Court Judgments

Clear-outs or Serious Credit Infringements

Cross reference or Linked Files

Multiple Identities

Fraudulent or Mistaken Entries

If you have a credit history problem that is holding you back, and if you are looking for clear no bull legal advise on how to restore your credit rating

A message from our Principal Lawyer Joseph Trimarchi

Credit repair and the restoration of credit worthiness is a passion shared by me and all of our team members. Our credit repair division operates with one purpose in mind, we aggressively pursue the rights of each and every client to have their credit file depict a true and accurate picture of their credit worthiness. By doing this we give our clients control over their financial future. Our passion for what we do makes us leaders in this field. I invite you to contact our office for a friendly obligation free chat on how we may be of assistance.

Credit repair is legal work to be conducted by a qualified lawyer, so why trust your financial future to unqualified credit repair companies.