- Victoria Coster built CreditFix Solutions to challenge unethical credit repair practices with a no result, no fee model focused on real outcomes.
- Strong leadership, systems, and coaching were critical to scaling the business while maintaining trust with brokers and clients.
- Beyond business growth, Victoria is committed to improving financial literacy and protecting future generations through education and smarter regulation.
Victoria Coster, CEO and founder of CreditFix Solutions and director of Credit Fix Lawyers, has been changing the game for credit repair in Australia for over 14 years. Her mission is simple yet powerful: to help people transform their lives. And here, she tells us how.
Lessons from hardship and ambition
Victoria’s journey began far from the corporate boardrooms she now inhabits. Growing up in a housing commission in Stevenage, just north of London, she felt the weight of financial hardship firsthand.
“I remember sitting on the stairs at five years old, thinking I would do whatever it takes to never live like this,” she recalls.
That determination, combined with the contrasting experiences of attending a private school on a music scholarship, shaped the grounded yet ambitious mindset that fuels her to this day.
Redefining credit repair in Australia
Her entry into finance started in her early twenties, working in mortgage processing. But it was her time at a credit repair firm that ignited her true calling.
Frustrated by upfront fees and hit-or-miss results at other companies, Victoria set out to create a different kind of business—one that puts integrity and tangible outcomes first. “We were the first no result, no fee credit repair company in Australia,” she explains.
The growth of Credit Fix Solutions was swift and, at times, unexpected. What started as a small operation serving a handful of brokers quickly blossomed into a thriving business trusted by hundreds.
So, Victoria decided to invest in business coaching and develop solid systems to manage her team effectively.
“Your business is only as good as what you are as the leader,” she says, emphasising the importance of training, processes, and trust.
At its core, Credit Fix Solutions is a B2B business, supporting brokers as an extension of their services while also directly benefiting their clients.
The results speak for themselves: from fast-tracking the removal of defaults in just weeks to helping secure significant commercial loans, Victoria’s team delivers measurable value every day.
Beyond credit repair: Empowering the next generation
Beyond her business, Victoria is passionate about financial literacy, and she’s on a mission to build smarter money habits among young people. Last year, she launched a program for year 10 students that focuses on practical credit management and budgeting skills.
The initiative has already made its way into several Anglican schools across New South Wales, and there are plans to take it nationwide.
“Our goal is to equip the next generation with the knowledge to manage credit wisely, ensuring they’re prepared for the future,” she explains.
Victoria also keeps a close eye on emerging trends in finance, from Buy Now, Pay Later services to the broader credit landscape.
She advocates for smarter regulation and better consumer protections, believing that education is the cornerstone to long-term financial health.
What’s next for CreditFix
Looking ahead, Victoria has ambitious plans to grow Credit Fix Solutions internationally. She’s seen early success in New Zealand and is eyeing the UK for potential expansion in 2026.
Through it all, her mission stays the same: to leave the world better than she found it, one credit report at a time.
Keen to connect with Victoria or learn more about CreditFix Solutions? Contact her through the company’s website.
