Founded in Coffs Harbour in 2014, and still run by the family who built it
Founded by Peter Cole in Coffs Harbour in 2014
Australian Credit Licence 531825
MFAA 2025 National Winner, Support Service Provider Award
4.9 from over 400 ProductReview reviews
Built from the ground up, not a call centre
Peter Cole founded Clear Credit Solutions in 2014 and built it from the ground up. His brother Daniel later joined the company and became an integral part of its growth. Today the brothers work side by side, Peter as Founder and Director, Daniel as Head of Client Services.
That matters more in this industry than it might in others. Credit repair has a reputation problem, and it was earned by operators who take a fee upfront and disappear. When the person who founded the business is still in it every day, and his brother is running client services, the incentives are simply different.
It is also why our clients tend to name us personally when they leave a review, rather than referring to “the company”. Daniel in particular is named again and again, which tells you who is actually picking up the phone.
What that means in practice
We tell you honestly and early whether your file falls into a category we can act on. Where a listing is accurate and correctly recorded, it generally stays, and we will say so rather than take the work.
Clear and simple solutions for credit repair
We investigate whether negative information on a credit file has been reported accurately, fairly and in line with credit reporting obligations. Not simply whether money was owed.
Removal of defaults
A default has to be listed correctly to stay: the right notice, to the right address, for the right amount, within the right timeframe. Where that process was not followed, the listing can potentially be corrected or removed.
Late repayments and negative RHI
Repayment History Information recorded in error can drag down a file for years. We assess whether what has been reported reflects what actually happened.
Court judgements
Judgements recorded against a credit file are assessed on their own facts, including whether they were properly recorded in the first place.
We also assist with
- Debt consolidation matters where negative information has been recorded on a credit file as a result.
- Identity theft and fraud cases where listings have appeared through no fault of the client.
- Duplicate or inaccurate listings and other credit reporting issues, investigated on their merits.
The people behind the business
Peter Cole
Peter proudly calls himself the world’s biggest fan of mortgage brokers, and he has been part of Clear Credit Solutions since its inception in 2014.
He has appeared in The Adviser and Australian Broker, and Clear Credit Solutions has sponsored National Finance Brokers Day every single year since it launched in 2015. Under Peter, the business has helped hundreds of brokers around Australia write more loans by fixing their clients’ credit file problems.
In a past life he was national sales director for Accor, the multinational hotel and resort company.
Outside work he is a doting father to five children, and a passionate supporter of the Sydney Roosters.
Daniel Cole
Daniel has been part of the Clear Credit Solutions team since 2015, bringing more than a decade of experience to the business along with an Advanced Diploma of Accounting.
As a key member of the management team, he has played an important role in the continued growth of Clear Credit Solutions, including being part of the team recognised with the ProductReview.com.au award for five consecutive years.
Daniel takes enormous pride in helping clients and supporting the team, but outside of work his proudest role is being dad to his two kids.
And when he is not talking credit repair, there is a very good chance he is talking footy. Daniel is a fanatic Cronulla Sharks supporter.
Our team
Clear Credit Solutions is a proudly family owned and operated Australian business, based in Coffs Harbour, New South Wales, servicing clients Australia wide. Peter and Daniel are supported by a close-knit team of experienced professionals.
We combine the personal service and accountability of a family business with the expertise and systems of an established national credit repair company.
Judged by the industry, and by our clients
The MFAA award is voted by the mortgage and finance industry. The ProductReview awards are driven by verified customer reviews, so between them they reflect both sides.
2025 National Winner
MFAA Excellence Awards, Support Service Provider Award, Small Company
2025 National Finalist
MFAA Excellence Awards, Support Service Provider Award, Small Company
2025 National Finalist
FBAA Awards of Supremacy, Industry Supplier of the Year
2025 Excellence Awardee
Australian Mortgage Awards
Our work has also been covered in Australian Broker and The Adviser, two of the industry’s leading broking publications.
The people who refer us clients
Clear Credit Solutions have continually assisted and educated the brokers of our business on how to help clients improve their credit health. This support increases our loan approvals, builds trust and enhances our business reputation. We thoroughly enjoy working with them and love the business partnership we have formed.
Sarah Thomson
Director, Loan Market
We often come across clients who have credit impairments and have been told by other brokers that their situation is too hard or impossible to fix. Time and time again, Peter and his team have stepped in, corrected our clients’ credit reports, and turned those situations into successful home loan approvals. They are more than a referral partner, they are a true channel partner.
Bernard Desmond
Founder and Director, Blank Financial
More broker and client reviews are on our ProductReview listing.
Proudly the World's Biggest Fan of Mortgage Brokers
A large share of our work comes through mortgage brokers, and that is deliberate. When a credit issue stalls a deal, we investigate it and hand the client straight back to the broker to finish the loan.
Your client stays your client
- We do not offer finance, lending or brokerage services
- We do not use a referral to redirect your client elsewhere
- We do not charge referral fees or admin fees
Why we back brokers
Brokers are the reason we do what we do. It is why you will find us at the major industry conferences, presenting to broker groups, and championing the profession wherever we can.
It is not a slogan. When brokers do well, so do their clients, and that is the whole point.
Who you are actually dealing with
Established 2014
Clear Credit Solutions has been operating for twelve years.
ACL 531825
We hold an Australian Credit Licence and operate under its obligations.
Coffs Harbour, NSW
Based on the mid north coast, working with clients Australia wide.
We do not promise a removal, a higher credit score, a finance approval or a particular timeframe. Every matter is assessed on its own facts. Where a listing is accurate, complete and lawfully recorded, it generally remains on file, and we will tell you that up front rather than pursue it.
About Clear Credit Solutions
Who owns Clear Credit Solutions?
Clear Credit Solutions was founded by Peter Cole in 2014 and is owned by him. His brother Daniel Cole later joined the business and is Head of Client Services. The company operates under Australian Credit Licence 531825.
Where are you based, and do you work outside that area?
Our office is in Coffs Harbour on the New South Wales mid north coast. We provide our service Australia wide, and a large share of our work comes through mortgage brokers in other states.
What does the free consultation actually involve?
We review a copy of your credit report at no charge and with no admin fee, and tell you the same day whether we believe there is an issue worth acting on. If we cannot help, we say so.
How long does a matter usually take?
Every case is different and depends on the individual situation. As a general guide rather than a fixed promise, the average timeframe to resolve a file is around 30 days.
What awards has Clear Credit Solutions won?
We were the 2025 National Winner of the Support Service Provider Award, Small Company, at the MFAA Excellence Awards, and a National Finalist in the same category. We were a 2025 Finalist for Industry Supplier of the Year at the FBAA Awards of Supremacy, and a 2025 Excellence Awardee at the Australian Mortgage Awards. We have also won the Best Credit Repair Company award from ProductReview in 2020, 2021, 2022, 2023 and 2024, five consecutive years.