Credit File Audit

Credit File Investigation Officer
Who is Credit Clean Australia?

Credit Clean Australia has been helping Australians repair their credit since 2005. As one of the country's first credit repair companies, we've successfully removed over $300 million in bad credit listings — giving clients back their creditworthiness and the ability to apply for finance again.

How do we repair credit files?

When a company adds negative items to a consumer's credit report, they must follow strict procedures set out in the Privacy Act and Credit Reporting Code. These requirements span over 471 pages — and that's where you come in.

We help clients remove negative items, sometimes in as little as 30 days instead of waiting five years, by identifying credit listings that were added incorrectly or unlawfully.

About the Role

We're looking for a Credit File Investigation Officer to manage the investigation stage of our client journey. No prior industry experience is required — our system is automated and we provide full training.

Australian citizenship is required for this position.

Before your audit with clients begins (conducted over the phone), our consultants will have already explained their credit files and identified the items affecting their credit score.

Your role is to audit each negative item using our internal investigation questionnaire and confirm whether the listing may have been added unlawfully, or if the provider may have breached legislation.

What would be your responsibilities ?

• Guiding clients step-by-step through our investigation process (up to 50+ structured questions).

• Helping clients search their email inboxes and sent items using keywords to find and upload important evidence, such as:

• Service or payment disputes

• Amount disputes
• Payment plan requests and declined notices
• Hardship requests and reviews
• Overdue notices and notices of intention to default
• Debt transfer or required notifiable matters
• Auditing timelines, dates, and wording used in notices to identify compliance breaches.
• Recording responses and uploading evidence into our system, which generates a PDF investigation report.
• Advanced systems proficiency is required to effectively use our investigation system and manage client evidence throughout the process.
• Confirming if at least five potential breaches have been identified, which is stated & confirmed in the result PDF (required for acceptance).
• Transferring accepted applications to our Case Managers, who then commence credit restoration and apply for removal of the negative listings.

What We're Looking For

• Strong attention to detail & communication – careful checking of dates, terms, and timelines, and confidence when guiding clients.
• Professional phone manner – essential for effectively guiding clients through investigations and maintaining clear communication throughout the process.
• Analytical thinking – able to spot gaps or inconsistencies in evidence.
• Compliance mindset – comfortable following rules and processes precisely.
• Reliability & consistency – able to manage shifts effectively and stay focused on accurate auditing.
• Availability to work 26-35 hours per week is required.
• Availability to work during business hours is required.
• Candidates must be available to work during business hours from 9am-6pm as required for client consultation and investigation processes.
• Student mindset – legislation can change, so openness to learning and adapting is essential.

What We Offer

• Full training on our investigation system and compliance framework.
• A supportive and collaborative team environment.
• Clear career progression into Case Management, Compliance, or Credit Restoration Onboarding roles.
• Competitive pay with performance incentives.

How to Apply (2 steps)

1. Click Apply and submit your resume with a cover letter.
2. Call and leave a short message with your name, phone number, and a quick introduction.

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