What we do
Default Removal & Credit Repair Services That Deliver Results
We specialise in removing negative listings from your credit file — legally, ethically, and on a 100% performance-based fee model. If we don't get results, you don't pay.
Default Removal
Remove defaults that are holding you back
A default listing can stay on your credit file for up to 5 years and severely impact your ability to obtain finance. We investigate every default on your file to determine whether it was listed correctly and in accordance with the law. Where a default has been listed incorrectly, unlawfully, or without proper notice, we work to have it removed.
Who is eligible?
Defaults that were listed without proper notice, contain inaccurate information, relate to a disputed debt, or were listed by a creditor who failed to meet their legal obligations under the Privacy Act.
How it works
- 1We obtain a copy of your credit file and review all default listings
- 2We investigate the circumstances of each default — notice requirements, accuracy, and compliance
- 3We prepare and lodge formal disputes with the credit reporting body and/or creditor
- 4We negotiate and follow up until the listing is removed or corrected
Court Judgment Removal
Challenge judgments that shouldn't be on your file
Court judgments are among the most damaging listings on a credit file. They signal to lenders that a debt was pursued through the courts and can block access to mortgages, car loans, and credit cards. In many cases, judgments are obtained without the debtor's knowledge or contain errors that make them challengeable.
Who is eligible?
Judgments obtained without proper service, judgments based on disputed debts, judgments that have been satisfied but remain listed, or judgments containing errors.
How it works
- 1We review the judgment details including the originating court, creditor, and amount
- 2We assess whether the judgment was obtained correctly and with proper service of documents
- 3Where grounds exist, we prepare applications to set aside or challenge the judgment
- 4We liaise with the court, creditor, and credit reporting bodies to have the listing removed
Repayment History Removal
Clear the record of missed or late payments
Under comprehensive credit reporting, lenders can now see up to 24 months of your repayment history. Even a few missed or late payments can significantly reduce your credit score and affect your borrowing capacity. Where repayment history has been recorded incorrectly or in breach of reporting obligations, we can dispute and have it corrected.
Who is eligible?
Repayment history entries that are inaccurate, relate to accounts you did not open, or were recorded in breach of the credit provider's obligations.
How it works
- 1We analyse your repayment history across all listed accounts
- 2We identify any entries that appear incorrect, inconsistent, or improperly recorded
- 3We lodge formal disputes with the relevant credit providers and reporting bodies
- 4We follow up to ensure corrections are made and your score is updated
Financial Hardship Removal
Remove hardship listings from your credit file
If you entered into a financial hardship arrangement with a lender, that arrangement may have been recorded on your credit file. While hardship provisions exist to help consumers, the listing itself can still negatively impact your credit score. We assess whether hardship listings have been recorded correctly and work to have them removed where appropriate.
Who is eligible?
Hardship arrangements that were recorded incorrectly, arrangements where the lender failed to follow proper process, or notations that remain after the hardship period has ended.
How it works
- 1We review your credit file for any hardship-related listings or notations
- 2We assess the circumstances of the hardship arrangement and how it was recorded
- 3We dispute any listings that were recorded incorrectly or without proper process
- 4We work with the credit provider to have the notation removed or corrected
Credit Enquiry Removal
Remove unauthorised or excessive credit inquiries
Every time you apply for credit, a credit enquiry is recorded on your file. Too many enquiries — or enquiries you didn't authorise — can significantly lower your credit score and signal financial stress to lenders. We identify enquiries that were made without your consent or in breach of the law and work to have them removed.
Who is eligible?
Inquiries made without your consent, inquiries from lenders you never applied to, duplicate inquiries, or inquiries made in connection with identity theft or fraud.
How it works
- 1We review all credit inquiries listed on your file
- 2We identify any inquiries you did not authorise or that appear incorrect
- 3We lodge disputes with the credit reporting body and the relevant credit provider
- 4We follow up until unauthorised or incorrect inquiries are removed
Serious Credit Infringement Removal
Challenge the most damaging listings on your file
A serious credit infringement (also known as a clearout) is one of the most damaging listings possible on a credit file. It signals that a creditor believes you have left your last known address to avoid repaying a debt. These listings can remain for 7 years and are extremely difficult to overcome. However, many are listed incorrectly or without proper process.
Who is eligible?
Serious credit infringements where the creditor failed to make reasonable attempts to contact you, where the listing is factually incorrect, or where proper process was not followed.
How it works
- 1We obtain full details of the serious credit infringement listing
- 2We investigate whether the creditor followed the correct process before listing
- 3We assess whether the listing meets the legal definition and requirements
- 4Where grounds exist, we prepare and lodge formal disputes to have the listing removed
Prevent Bad Credit Before It Occurs
We step in before a listing is ever placed on your file
This service is for people who have received notice that a default, court judgment or serious credit infringement is coming — or believe a creditor is about to place one on their credit file. Before a listing is ever recorded, we step in and work to resolve the matter with the creditor directly. Our goal is to deal with and resolve the issue before it ever becomes a negative listing on your credit file.
Who is eligible?
People who have received a default notice or court documents, or who know a creditor is moving to list a default, court judgment or serious credit infringement against them.
How it works
- 1We review your situation as soon as you've received notice that a listing may be coming
- 2We work to resolve the matter with the creditor before it is ever listed on your credit file
- 3We manage the process for you — dealing with the creditor and handling the paperwork
- 4The matter is resolved before it can be placed on your credit file as a negative listing
Not Sure Which Service You Need?
Get a free, no-obligation assessment of your credit file. We'll identify every listing that may be challengeable and explain your options — at no cost to you.