No Obligation Assessment
We review your credit file and finance profile for free, with no commitment and no pressure. You'll know exactly where you stand and whether we can possibly help before you decide anything.
How It Works
If you've been declined for finance, Perfect Score is here to help. We review your credit file, identify any incorrect or disputable listings, and work directly with credit reporting bodies and creditors to improve your credit profile where possible.
You'll also gain access our 12-module financial education program, designed to help you build better money habits and understand what lenders look for when assessing finance applications.
Once you're ready, we'll work with your existing broker, or connect you with one of our trusted finance partners, to help you apply for finance with confidence. Through our partnerships with Ausloans Finance Group and Drive Approved, we're here to support you every step of the way.
$8M+
Worth of defaults removed
90%
Success rate
2,000+
Clients helped
Our Process
A clear path from declined to loan ready
Free Investigation
Before you pay a cent, we scan your file for possible breaches of the Privacy Act and credit reporting rules. If we find solid grounds to challenge your defaults, you're accepted into the program.
Dispute and Repair
We challenge the listings we can and work to get them removed, with a 90%+ success rate on accepted cases. You'll also get the financial education to keep your file clean for good.
Loan Ready
Once your file is cleared, our in-house brokers help you reapply for the finance you were knocked back for, so your journey ends right where you wanted it.
To help Australians rebuild their credit, improve their financial wellbeing, and achieve their finance goals through education and expert support.
Our values
Education
We believe informed decisions create lasting financial success.
Integrity
We act honestly, transparently and in our clients' best interests.
Results
We're committed to achieving the best possible outcome for every client.
Ready to take the first step?
Start your journey towards better credit and greater financial confidence.