Privacy Policy

Last Updated: 20th August 2026

1. About This Privacy Policy One Stop Referrals Pty Ltd (Trading as: One Stop Credit Fix, ACN 665 438 817, ABN 18 665 438 817) (“One Stop Credit Fix”, “we”, “us” or “our”) is committed to protecting the privacy and security of the personal information entrusted to us. This Privacy Policy explains how we collect, hold, use, disclose, protect and dispose of personal information, sensitive information and credit-related information in connection with our credit repair and credit report review services. We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other applicable privacy and credit reporting requirements. By engaging with One Stop Credit Fix, using our website or providing personal information to us, you acknowledge that your information will be handled in accordance with this Privacy Policy and applicable law.
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2. What Personal Information Do We Collect?
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable. Depending on your dealings with us, we may collect and hold information including:
Your full name;
Date of birth;
Current and previous residential addresses;
Telephone number;
Email address;
Employment information;
Identification documents, including your driver's licence or other photo identification;
Information about your financial circumstances;
Information regarding creditors, lenders, accounts and debts;
Credit reports and credit scores;
Information about credit enquiries and applications;
Repayment history information;
Default information;
Court judgments;
Financial hardship information;
Correspondence between you and your creditors;
Information supplied by credit providers and credit reporting bodies;
Supporting documents you provide in connection with your credit repair matter;
Records of communications between you and One Stop Credit Fix;
and Other information reasonably necessary for us to provide our services.

3. Sensitive InformationIn some circumstances, the information you provide to us may include sensitive information.This may arise where information about your personal circumstances is relevant to a credit repair, complaint, hardship or correction request. For example, supporting information may relate to:
Health or medical circumstances;
Family or domestic violence;
Financial hardship;
Legal matters;
or Other sensitive personal circumstances relevant to your matter.
We will only collect, use or disclose sensitive information where you have consented, where it is reasonably necessary to provide the services you have requested, or where otherwise permitted or required by law. We understand that clients may provide highly personal information when explaining the circumstances that resulted in adverse information appearing on their credit file. We take the confidentiality and security of this information seriously.

4. Credit Information As part of providing credit repair services, we may collect, access, hold, review and use credit-related information.This may include:
Consumer credit information;
Commercial credit information, where relevant;
Credit applications and credit enquiries;
Credit account information;
Repayment history information;
Financial hardship information;
Default information;
Court judgments;
Serious credit infringements;
Credit scores and credit risk information;
Information supplied by credit providers;
Information supplied by credit reporting bodies;
Information regarding corrections, amendments or removals made to a credit file;
and Other information relevant to your credit history or creditworthiness.

5. How We Collect Your Information We may collect personal and credit-related information directly from you when you:
Contact us by telephone,
email,
website enquiry,
social media or another communication method;
Engage us to provide credit repair services;
Complete a Privacy Consent, Authority or other client document;
Provide identification documents;
Provide credit reports or other financial information;
Provide supporting documents or correspondence;
Communicate with our staff;
or Provide information during the course of your credit repair matter.
With your authority, we may also collect information from third parties, including:
Credit reporting bodies;
Banks and other credit providers;
Debt collection agencies and debt purchasers;
Telecommunications and utility providers;
Referring brokers or financial professionals;
Government, regulatory or external dispute resolution bodies;
Your authorised representatives;
and Other relevant organisations involved in your matter.

6. Why We Collect and Use Your InformationWe collect, hold and use personal and credit-related information where reasonably necessary to provide our services and operate our business. This may include:
Verifying your identity;
Obtaining or assisting you to obtain a credit report;
Reviewing your credit report and credit history;
Identifying adverse, incorrect, outdated, duplicated or potentially disputable information;
Assessing opportunities to seek correction, amendment or removal of credit information;
Communicating with creditors, credit providers and credit reporting bodies on your behalf;
Requesting information and supporting documentation;
Preparing and submitting disputes, complaints and correction requests;
Managing financial hardship or other relevant circumstances raised as part of your matter;
Following up complaints and correction requests;
Obtaining updated credit reports to confirm outcomes;
Monitoring the progress of your credit repair matter;
Communicating outcomes to you;
Managing our client relationship;
Processing invoices and payments;
Maintaining appropriate business and compliance records;
Improving our services;
and Complying with our legal and regulatory obligations.

7. Credit Reporting BodiesOne Stop Credit Fix may obtain, access or review information from credit reporting bodies where you have provided the necessary consent or authority. Our primary credit reporting body for obtaining comprehensive credit reports is:
Equifax Australia Information Services and Solutions Pty Limited We may also communicate with other Australian credit reporting bodies, including Experian and illion, where relevant to your matter. Information exchanged with a credit reporting body may include identifying information necessary to verify your identity, obtain your credit report, investigate information recorded on your credit file, request corrections or confirm that an agreed amendment or removal has been completed.

8. Disclosure of Your InformationWe do not sell your personal information. We may disclose personal, sensitive or credit-related information where reasonably necessary to provide our services or where permitted or required by law. This may include disclosure to:
Credit reporting bodies;
Banks and other credit providers;
Debt collection agencies and debt purchasers;
Telecommunications and utility providers;
Your authorised representatives;
Legal or professional advisers;
Government and regulatory authorities;
External dispute resolution bodies, including AFCA;
Contractors and service providers who assist us in operating our business;
Referring brokers or financial professionals where you have authorised us to provide updates; and Other organisations you have specifically authorised us to contact. We will take reasonable steps to limit disclosure to information relevant to the purpose for which it is being provided.

9. Referring Brokers and Other Professionals Many clients are introduced to One Stop Credit Fix by mortgage brokers, finance brokers or other professionals.Where you have provided authority for us to do so, we may provide your referring professional with reasonable updates regarding your credit repair matter.This may include information about:
The progress of your matter;
Successful amendments or removals;
Changes to your credit score or credit profile;
and Completion of our services. We will not disclose this information to a referring party where you have instructed us not to do so, unless otherwise permitted or required by law.

10. Security of Your InformationOne Stop Credit Fix takes reasonable steps to protect the personal, sensitive and credit-related information we hold against:
Misuse;
Interference;
Loss;
Unauthorised access;
Unauthorised modification;
and Unauthorised disclosure.Information may be stored electronically or in physical form using systems and service providers utilised in the ordinary operation of our business. Access to client information is limited to authorised personnel, contractors and service providers where access is reasonably necessary for them to perform their duties or provide services to us. Despite the security measures we implement, no method of electronic transmission or storage can be guaranteed to be completely secure.

11. How Long Do We Keep Your Information? Unless a different retention period is required or permitted by law, One Stop Credit Fix generally retains client records for seven (7) years following the completion or termination of our services.Records retained during this period may include:
Personal information;
Sensitive information;
Identification documents;
Credit reports;
Credit-related information;
Client agreements and authorities;
Correspondence;
Supporting documents;
Complaints and disputes;
Correction requests;
Records of amendments or removals;
Invoices and payment records;
and Other records relating to services provided by One Stop Credit Fix. We retain these records for legitimate business, legal, compliance, record-keeping and dispute resolution purposes.12. Destruction and Disposal of Information Once the applicable retention period has expired and information is no longer reasonably required for a legal, regulatory or legitimate business purpose, we will take reasonable steps to securely destroy or permanently de-identify it. Depending on how information is held, this may include:
Permanently deleting electronic records;
Securely destroying or shredding physical documents;
Removing client information from active business systems where reasonably practicable;
Securely deleting identification documents and credit reports;
or Permanently de-identifying information so it can no longer reasonably be associated with an identifiable individual. Where information remains within secure system backups and cannot reasonably be immediately removed, it will remain protected and will be deleted or overwritten through the applicable system's normal retention and deletion processes.

13. Accessing or Correcting Your Personal InformationYou may request access to personal information we hold about you. You may also ask us to correct information if you believe it is inaccurate, incomplete, out of date, irrelevant or misleading. We may need to verify your identity before providing access to or correcting information. Requests can be made using the contact details at the end of this Privacy Policy.

14. Complaints & Dispute Resolution One Stop Credit Fix is committed to treating clients fairly and resolving concerns promptly and professionally. If you are dissatisfied with our services, believe we have failed to follow your instructions or have concerns regarding how we have handled your personal or credit-related information, we encourage you to contact us so that we have an opportunity to investigate and resolve your concerns
Making a Complaint to One Stop Credit FixComplaints can be made to:
Complaints Officer
One Stop Credit Fix
Email: hello@onestopcreditfix.com.au
Phone: 1300 10 10 14
Postal Address: 217 Flinders Street Adelaide SA 5000
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Please provide as much information as reasonably possible regarding your complaint, including:
Your name and contact details;
A description of your concern;
Relevant dates or events;
Any supporting documentation;
and The outcome you are seeking.
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We will acknowledge and investigate your complaint and aim to resolve it fairly, transparently and within applicable complaint-handling timeframes.There is no fee to make a complaint to One Stop Credit Fix.

Australian Financial Complaints Authority (AFCA)If you are not satisfied with our response to your complaint, or your complaint has not been resolved within the applicable timeframe, you may be entitled to refer your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides consumers and small businesses with a free, fair and independent external dispute resolution service for complaints about financial firms that are AFCA members. You can contact AFCA using the following details: Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au
Online Complaints: Available through the AFCA online complaints portal.
There is no cost to consumers to lodge an eligible complaint with AFCA. enerally, you should first give One Stop Credit Fix an opportunity to consider and resolve your complaint through our internal complaints process before referring the matter to AFCA.

15. Privacy Complaints If your complaint specifically concerns how we have handled your personal information, you should first contact One Stop Credit Fix using the complaints process above.We will investigate your concerns and provide you with a response. Depending on the nature of your complaint and the applicable regulatory framework, you may also have the right to refer an unresolved privacy complaint to an applicable external dispute resolution scheme or the Office of the Australian Information Commissioner (OAIC).

16. Changes to This Privacy PolicyWe may update this Privacy Policy from time to time to reflect changes to our business practices, services, systems or legal and regulatory obligations.The most current version will be published on our website together with the date it was last updated.We encourage you to review this Privacy Policy periodically.

17. Contact Us If you have any questions about this Privacy Policy, would like to access or correct your information, or wish to make a privacy complaint, please contact:One Stop Credit FixLegal Entity: ONE STOP REFERRALS PTY LTD
ABN: 18 665 438 817
Phone: 1300 10 10 14
Complaints Email: hello@onestopcreditfix.com.au
Postal Address: 217 Flinders Street Adelaide SA 5000
Website: https://onestopcreditfix.com.au/