Debt Management in Melbourne

Visage Group is an industry leader that provides you with expert credit repair and debt management solutions. We are experts who carefully guide clients through tough financial positions.

We understand the importance for our clients to improve their credit rating.

We know that it’s important to talk to a professional when you are struggling to find a way out of a financial mess. We’ve kept it simple by setting up physical offices in Melbourne for you to visit us anytime you need.

Credit Repair

Using our expertise and intelligence, we help clients remove negative listings from their credit files and help them obtain credit and finance..


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Debt Management

Forget about the phone calls and demands from creditors and debt collectors. Instead, leave the job to us, where we bring you the most potent solutions for your financial concerns..


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HOW WE WORK

Why Choose Visage Group?

Best Chance of Success
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We strive to provide the optimal results for our clients. Achieving a successful outcome 99 times out of 100 comes from our result-oriented approach. Our dedication and sincerity towards our clients have helped us become masters of our fields and trusted by thousands of everyday Australians.
Satisfied Clients
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Our approach is to put our client’s interest first. With more than 20,000+ clients and 50+ 5-star Google ratings is testimony to this fact.

Years of Industry Experience
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With our founder and Managing Director – Mikhael, working in this industry for more than 30 years, we possess unmatched expertise when it comes to improving the credit rating of our clients.

Fixing your credit file can be as easy as 1..2..3

So, if you’ve been refused a loan and or find yourself overwhelmed by problems stemming from a poor credit rating, talk to our professionals, and they will find a way to fix it the best way possible. And, that too, in 3 simple steps.

Get Your Credit File
The first step is obtaining the latest copy of your credit file from the three main credit reporting bureaus.Click on each of the links below and complete the forms. Some bureaus offer premium services, but we only need you to request the free service.
We ask you to get all the three credit files as the information on each may be different.
Contact Us For A Free Assessment
The second step is to contact us for an obligation-free assessment of your credit file.

Please attach copies of your credit file(s), so we can give you an answer quickly.

Each person’s situation is different, and it’s therefore important that we take the time to go through the file with you. This conversation allows you to understand what the information means and allows us to provide you with an honest assessment of how we could help.

Take a look through our Google reviews. These are all real people we have helped.

Appoint Us To Negotiate
Once we review your credit file with you, it’s up to you whether you want to proceed.Although we can help most clients, sometimes it’s better to do nothing.If you agree to proceed, you will need to appoint us to act on your behalf. This allows us to start negotiating with the credit providers.At this point, you can relax while our team works through the necessary steps.This process can take anything from a few days to a few weeks. As Visage has been in the industry since the start, we’ve established good working relations with many of the large credit providers, allowing us to cut through some of the bureaucracy.Once the listings have been removed, you will then be able to apply for credit again.

Get Your Credit File

The first step is obtaining the latest copy of your credit file from the three main credit reporting bureaus.Click on each of the links below and complete the forms. Some bureaus offer premium services, but we only need you to request the free service.

Contact Us For A Free Assessment

The second step is to contact us for an obligation-free assessment of your credit file.

Please attach copies of your credit file(s), so we can give you an answer quickly.

Each person’s situation is different, and it’s therefore important that we take the time to go through the file with you. This conversation allows you to understand what the information means and allows us to provide you with an honest assessment of how we could help.

Take a look through our Google reviews. These are all real people we have helped.

Appoint Us To Negotiate

Once we review your credit file with you, it’s up to you whether you want to proceed.Although we can help most clients, sometimes it’s better to do nothing.If you agree to proceed, you will need to appoint us to act on your behalf. This allows us to start negotiating with the credit providers.At this point, you can relax while our team works through the necessary steps.This process can take anything from a few days to a few weeks. As Visage has been in the industry since the start, we’ve established good working relations with many of the large credit providers, allowing us to cut through some of the bureaucracy.

Once the listings have been removed, you will then be able to apply for credit again.

Client Reviews

Ennalies O 2022-02-16

I am super pleased with the fair and just outcome achieved by the Visage "A" team. I am extremely grateful for the dedication, time, persistence, intelligence, communication, honesty, respect and the overall support that I have received over the last few months. I am excited about being able to rebuild my future. Thank you.

Carlee gutsell 2022-03-22

Very impressed, after battling a company for defaulting my husbands name without him knowing without success - visage managed to clear his name of the default and any late payment listings. Was a fantastic result. They are easy to communicate with, making the process very easy. Highly recommended.

Claire Wagner 2022-03-25

Amazing Work from the team at Visage. Great communicators, easy to deal with and best of all get the job done! Highly recommended in navigating through the world of credit reports/providers. Appreciate all their efforts to date. No job to big or small.

Rene Lavea-Williams 2022-02-24

The best service I could’ve asked for, very professional and quick process. I really appreciate the hard work they’ve done for me, didn’t think it was possible to clear but they’ve done it! Thank you Michael and Sadaf!

Level 18, 323 Castlereagh Street Sydney NSW 2000

Ph:  1300 853 845         info@visagegroup.com.au

Debt Management Melbourne

What is Debt Management ?

Negotiating your debt with your creditors is one of the simplest and most effective ways to regain control over your financial inconsistencies.

There are many reasons why many Australians wake up in the middle of the night worrying about their financial issues and debts. Here’s where we step in, take away the stress and find you a solution to get your financial life back on track.

With our negotiation team on your side, you can potentially reduce your total debt repayment by up to 75%. We deal with hundreds of creditors, including banks, finance companies, and credit card providers, on an ongoing basis, so we know the approval process required to get negotiations accepted quickly and without any hassle.

Once you collaborate with us, all you need is to sit back and leave all your financial concerns to us!

What is credit repair?

The file is a summary of your lending history in Sydney and across Australia. It does show what loans you’ve been given (such as loans and bank cards) and indicates whether you’ve been paying things on time or not.

More importantly, a file will also show all negative listings for the last 5-7 years. This
includes items like:

  • Payment defaults
  • Late Payments
  • Court Judgements
  • Lender Enquiries
  • Bankruptcies

These negative listings can adversely affect your credit score, and it’s important to ensure this information is accurate.

How do I get my score?

The easiest way to find your score is to request a copy of your file. You can do this by sending a request to the main reporting agencies mentioned above.

Can a bad score be fixed?

Yes, but it depends on the contents of your file. We need to look at your file and discuss each negative item with you to find out if the listing is fair. Once we understand your situation better, we can write to each of the providers and ask them to review it.

Does paying the outstanding money fix my rating?

When you pay a debt, the listing may not necessarily cause a score repair from your credit report; it may have only been updated to a paid status, which means that you are still going to be in the exact same position with bad rating.

The paid default listing will still most likely prevent you from obtaining a loan or finance.

The three main credit reporting bureaus in Australia are Equifax, Illion and Experian. When lenders want to see your report from them, they will request it from one or more of these reporting agencies.

Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately just to make sure that you don’t miss anything.

Can I fix my rating myself?

Yes, it is possible to do this yourself; however, based on our experience and our client’s experiences, most people give up shortly after starting due to not being able to achieve the desired results.

Like most professionals offering credit solutions, we have knowledge and processes that can save you lots of time. Our success rate is one of the highest in the industry, and that’s because we will give you an honest assessment of your chances before we proceed.

The three main bureaus are Equifax, Illion and Experian. When lenders want to see your lending report, they will request it from a reporting body or more if they want several reports from these reporting agencies.

Your report and score can differ from bureau to bureau because they don’t always have the same information, so we recommend you check each report separately just to make sure that you don’t miss anything.

A poor file report can cost you in many ways. It can stop you from getting loans from reputable lenders, leading on higher interest charges. It can also stop you from getting loan advances entirely, which might put your house or your business at risk.

What if I cannot afford to fix my credit file?

Specialist services are expensive, and you need to weigh this up against the cost of not being able to access loan funding.

How long does it take?

Generally, we get results within three or four weeks. However, each person's situation is unique. How long it will take for any particular person to see results depends on many factors, such as the nature of their case, the number of negative listings on their report, and the level of credit bureau and credit providers' cooperation.

What is a payment default?

A payment default is an overdue debt that has not been cleared. It can be placed on your file by loan providers if you break or default on the conditions of that credit. Funding providers register a payment default against your file as a form of penalty and warn other loan and mortgage providers that you are a funding risk.

By better understanding your circumstances, we can negotiate with the provider to correct the listing if it is incorrect or unfair.

A court judgement is a decision of a court.

In the context of a file, it is a record that a judge has determined that you are liable for a funds owning. These should be taken very seriously.

Court judgements can be removed from your file. Click here to find out more.

What is a court Judgement?

When you owe a funding provider money and don’t pay it, they can try to recover it by going to court. A court judgment is a decision made by the court that you owe money to the credit provider. The judgment allows the provider between 12 and 15 years to recover the debt from you.

If you continue to delay payment of the funds owing, the amount you owe increases every day with interest.

How did it get on my file?

Your file automatically records the negative result of a court hearing via a published public record, however only civil court judgments are reported to the reporting bureaus.

How does it impact my file?

A court judgement will remain on your file for five years from the date of the judgment, even if you have repaid the relevant money owing.

When you apply for a loan somewhere else, other providers see that you have a default and may be reluctant to extend financing to you. That’s why it’s so important to understand what’s on your credit file.

What can I do about it?

This is a complex process and steps to remove it usually vary from case to case.

In a straightforward scenario, we start by first reviewing the court documents. We then contact the loan provider’s solicitor. The solicitor will usually require the debt to paid if it is still outstanding. Once that’s done, we draft legal documents for the solicitor to agree that the judgement can be removed. This negotiation part is complex and success depends on the willingness of the solicitor to cooperate.

Once that’s agreed we file documents with the court agreeing to remove (set aside) the judgment orders. Once the court agrees, we notify the reporting bureaus and have the judgment removed from your personal or business files.

How long will it take?

It usually takes 3 to 6 weeks to remove a court judgment from a clients file. This is based on the debtor’s solicitor cooperating.

What will it cost?

Getting professional assistance in Melbourne to remove a court judgment can sometimes cost up to $1,500 per case. Some companies charge significantly less, but this can mean that the work is being done by less experienced, or junior staff. Our fees are probably higher than others because this is our specialisation.

Before the industry was regulated in 2021, many small unscrupulous operators saw this as a way of making quick money. Many of our clients came to us after wasting money (and time) with other credit repair companies who promised the world but delivered nothing.

Will my file be clean if it is removed?

If the judgement is the only negative listing on your file, then yes, the file will be clean and your score will improve.

However, rather than just hope for the best, Visage will do a complete review of the files from all three credit reporting bureaus before starting your work. This means you know exactly what it will cost before any work takes place. That way, you’ll get the results you paid for.

How Visage's Melbourne Debt Management Solutions  Can Help You...

Negotiating the money you owe to your creditors is one of the simplest and most effective ways to regain control over your financial inconsistencies.

There are many reasons why many Australian business owners wake up in the middle of the night worrying about the financial issues their small business has and the debts the business has. Here’s where we step in, take away the stress and find you a solution to get your financial life back on track.

With our negotiation team on your side, you can potentially reduce your personal or business total debt repayment by up to 75%. We deal with hundreds of creditors, including banks, finance companies, and bank card providers, on an ongoing basis, so we know the approval process required to get negotiations accepted quickly and without any hassle.

Once you collaborate with us, all you need is to sit back and leave all your financial concerns to us!

Visage In The News...

Higher Interest Rate Environment Creating Demand For Credit Repair and Melbourne Debt Management Services
In an exclusive interview with Melbourne Based Eleven Media, Visage Group confirmed that the recent sharp rise in Australian interest rates is creating demand for their credit repair and debt management services.

Michael Mikhael, Managing Director of Visage Group said this when interviewed by Melbourne based Eleven Media, “Higher interest rates is making it harder for consumers and business owners to pay off money they owe people, which is ruining their credit history and, in turn, raising demand for our services. We know that it’s important for those struggling with higher interest bills to talk to a professional to find a way out of their financial predicament."

Visage is an industry leader that provides expert credit repair services and debt management solutions. They are experts who carefully guide clients through tough financial positions.

Michael Mikhael, Managing Director of Visage Group said this when interviewed by Eleven Media, “Higher interest rates is making it harder for consumers to pay off the money they owe, which is ruining their credit history and, in turn, raising demand for our credit repair services. We know that it’s important for those struggling with higher intertest bills to talk to a professional to find a way out of their financial predicament. We have things simple and convenient for them by setting up physical offices around the country, including Perth, for those impacted to visit us with ease at a time that suites them.”

Visage make it their mission to provide outstanding and responsive customer credit repair Perth service so that their impacted clients can see a future without the stress and burden of financial insecurity. In addition to messaging, emails and telephone/zoom conference, they offer face-to-face interaction with their clients so they can discuss their financial worries and concerns more confidently.

Melbourne VIC based Eleven Media’s research found that in Australia, there are millions of people who have been affected by the problem of past debt servicing issues. Even an overlooked utility bill of $150 or so dollars have the power to cripple a person’s rating with further lenders they approach and affect their ability to obtain a mortgage or finance.

The three main reporting bureaus are Equifax, Illion and Experian. When lenders want to see a lending history report on an applicant, they will request it from one or more of these reporting agencies.

The report obtained and score can differ from bureau to bureau because they don’t always have the same information. For this reason, it is recommended that a check is made with each reporting agency separately to make sure that nothing adverse is missed.

Visage Group note that they generally get results within three or four weeks. However, each person's past story is unique. How long it will take for any particular person to see improved results depends on many factors, such as the nature of their case, the number of negative listings on their report, and the level of bureau and loan providers' cooperation.

For more information on Visage Group's array of Perth Credit Repair services, visit their website here: https://visagegroup.com.au

Contact Info:
Name: Michael Mikhael
Organization: Visage Group
Address: Level 18, 323 Castlereagh Street Sydney NSW 2000
Website: https://visagegroup.com.au/debt-management-melbourne

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