How It Works
Loan applications are declined for many reasons: defaults on your credit file, poor banking habits and affordability issues, just to name a few. At Perfect Score, we work directly with you and your broker, if you have one to create a clear, personalised action plan to get your application back on track.
We review your credit file in detail, identify any potential disputable listings and work with credit reporting bodies and creditors to have them resolved. With almost a decade of industry experience and strong relationships with major credit providers, our turnaround times can often see clients reapplying for finance within just a few weeks.
Our 12-module financial education program is designed to give you real, lasting change. You’ll learn the foundations of money management including budgeting, assets and liabilities, savings strategies, and what lenders actually look for so you don’t just get approved, you stay approved.
We proudly partner with Ausloans Finance Group, one of Australia’s largest brokerage firms, and Drive Approved, one of the country’s most trusted car brokers. So whatever your finance goals, we’ve got you covered.
Our Simple Process
Free Credit File Assessment
We begin by reviewing your credit report from all three major credit reporting bodies: Equifax, Illion and Experian. This gives us a complete view of your credit history. Our team identifies any defaults, errors or negative listings that may be stopping you from getting approved. You will receive a clear breakdown of what is affecting your file and what needs to be addressed.
Personalised Action Plan
Based on your credit file and financial goals, we create a tailored plan to improve your credit profile. This may include dispute opportunities, repayment strategies and selected modules from our education program. If you already have a broker, we will coordinate with them to keep your progress aligned with your loan application goals.
Dispute and Repair Process
We act on your behalf to contact creditors and credit reporting bodies. If we find any listings that may be challenged under the Privacy Act or Credit Reporting Code, we manage the entire dispute process. While we handle the background work, we also guide you in improving your banking behaviour and financial habits to strengthen your overall profile.
Financial Education and Broker Reconnection
As we clean up your credit file, you will work through our 12-step financial education program. These modules cover budgeting, saving, liabilities, and understanding what lenders look for. Once your file is in a strong position, we reconnect you with your broker or introduce you to one of our trusted partners to help you apply for finance with confidence.