Victoria Coster wants to fix your credit score. As founder, chief executive officer and credit repair specialist at Sydney-based Credit Fix Solutions, she's been doing it for 11 years.
"I started really small with one broker group, about 40 brokers, in Western Sydney. And I would just be there to help with their credit reporting education," Coster (pictured above in her Halloween costume) told Australian Broker.
Fast-forward more than a decade and the scale of her work is far greater. But she's still doing the same thing: helping Australians — and by extension brokers — clean up their financial records.
"Credit reporting is complex, and unless you’re on top of it, you can’t get to a solution quickly," she said. "So I'm there and I'm educating on the credit report."
It's no surprise then that Coster recently took home the Finance Brokers Association of Australasia's (FBAA) "Industry Champion of the Year" title — one of two recipients who received the honor — at the industry group's 2025 Supremacy awards.
We caught up with Coster to uncover the secrets behind her success, her take on the value of industry events and what she expects from 2026.
VC: It's a privilege to have helped brokers for the last 11 years. So I feel like I kind of don’t deserve the win.
VC: I feel that I genuinely support brokers. It’s not about money; it's about making sure that we find the right solutions for their clients. Whether I can help, or LoanOptions can help. It doesn't matter who can help. It's about finding the solution as quickly as possible for the broker. That's what we're all about, and we do it as a team, with others in the industry. So it's not just my company. It’s other companies together. And the more that we work together, the quicker we can get to the solution.
Because we all know everyone's using a broker. We know that. The question isn’t, are we using a broker? The question is, what is the route to the solution and how fast can we get there? So I work together with others in the industry, such as LoanOptions or Bluestone or other companies, to find the solution.
The fact that brokers trust me with their clients is so valuable. Because clients are so valuable. Some brokers may only be writing one loan a month. And that one loan could be their income for the month. So my input could mean the difference between a broker paying their own mortgage for the month. And so it means a lot to me to be trusted by mortgage and finance brokers.
VC: The mortgage and finance industry organisations have been amazing. Credit reporting is an educational tool. I'm not a lender. I’m a support service provider. So I’m there if a broker or borrower needs me. There might be a broker who needs me once a year. They might need me once a week. When someone's got back credit, I try to fix it. And then the broker can get a better loan for their client. So the support from groups like the FBAA and the [Mortgage & Finance Association of Australia] is very important to me. Not for my business, but for the broker’s education. Because credit reporting is complex, and unless you’re on top of it, you can’t get to a solution quickly. So I'm there and I'm educating on the credit report. And off the back of that, I might get a deal once a week, for example.
For context, my team and I have about 20 to 30 reports that we see as a team every day. And out of those 20 to 30 credit reports, we only say yes to two people. Those are the people who we agree to help fix their credit.
And unfortunately, education is lacking in general. For example, not everyone knows, but doing too many credit inquiries in one day can damage your credit score. I can't fix that. Missing repayments on your home loan will damage your credit score. I also can't fix that. So the fact that the associations exist and that they allow me to sponsor them is amazing. By me being here, I can help support the brokers, to educate them and their clients, which helps consumers get better lending options.
VC: Be yourself; be authentic and it will show through. I've never tried to be anyone else. Also, follow your passion. That's how I got this win.
VC: I think education is key. If we don't go out there and proactively educate our clients on lending, on credit reporting, on all that is important to make sure we have the best learning opportunities in the future, then potentially, I see the younger generation not going to the [traditional] banks for lending. At the moment, I'm seeing a lot of younger people going online and shopping around and destroying their credit scores as a result.
And I think there's going to be more momentum in the market in 2026. With the first-time homeowners [Home Guarantee Scheme] coming into play this year and into 2026, we need to make sure that we can proactively educate our clients, and make sure they're on top of everything before they apply for a loan.
VC: It’s important for me because it's a human connection. For 11 years now, I've run the business. I started really small with one broker group, about 40 brokers, in Western Sydney. And I would just be there to help with their credit reporting education. But what I found off the back of that was that we support each other. A lot of us, myself included, we’re a one-man band. We're sitting there and we're wearing 20 hats every day. So by coming along to these events, you feel that you're part of a family, and I've always felt that for the last 11 years.
