About me

Hi, I'm Phil – a 40-year-old local from the Cairns greater region. I’ve made it my mission to help people improve their credit and take control of their financial future. As a Free Financial Advocate, I offer my services at no cost, because I believe everyone deserves a chance to rebuild their financial life, regardless of their current situation. My goal is to guide and support you through the credit repair process with transparency and honesty, so you can achieve the financial freedom you deserve. No gimmicks, just real help from someone who cares about your success. Charity is my goal in life.

Philip Joseph Parker- Fixing bad credit for free - philipparker1

Our Process

From information collection to the final outcome, Philip Parker handles every step with precision. Our services include case development, negotiations, and escalation to ensure the best results for our clients.

Collection of information

In this first step, we’ll ask you to share some details about the circumstances behind your credit listing(s). This helps us understand your situation and figure out the best way to move forward.

Here’s what you need to do:

Answer the questions as accurately as you can. The more detail you provide, the better we can assist you.
Sign the Privacy Consent Form so we can get started on your case right away.

Case Development

In this step, we carefully review the information you’ve given us and check it against the laws to see if your credit provider followed the proper process before listing your default. We also look for any mistakes or issues in how the default was recorded.

Here’s what you need to do:

If we need more information from you, please provide it as soon as possible.
If you're unsure about anything or need help, don’t hesitate to reach out to our team—we’re here to assist you!

Negotiations

Using the information you’ve provided, we’ll prepare and send formal letters to your creditor(s). We’ll also keep in touch with them regularly and negotiate on your behalf to give you the best chance of resolving your credit issue.

Here’s what you need to do:

Be patient—negotiations can take some time.
If you’d like an update or have any questions, feel free to contact us anytime.

Outcome

Based on our communication, we will receive one of the following responses:

The creditor agrees to remove the listing (with or without conditions).
The creditor requests more time to respond.
The creditor asks for additional information.
The creditor declines to remove the default. If this happens, don’t worry—it’s not the end of the process. We will continue to negotiate or, if necessary, escalate the matter to an appropriate authority to ensure the best possible outcome.

YOUR next steps

Sit back, relax, and let us take care of everything. We'll guide you through the entire process to ensure everything is finalized smoothly.