A credit report is an important record that shows your financial history and personal details, like your name, address, and any credit or loans you’ve applied for.

Lenders use this report to decide if they should give you a loan or credit. Some real estate agents also check credit reports when assessing rental applications.

To check your credit report, click here or use this link: Get My Credit Report.

Your credit report contains your basic details like your name, address, and date of birth, along with your employment history. It also shows every time you’ve applied for things like loans, credit cards, or phone contracts. Even if you only checked to see if you could get a loan but didn’t take it, that can still appear on your report and may hurt your credit score. Your record will also show if you’ve been paying your accounts on time.

There are three main companies in Australia – Equifax, Illion, and Experian – that collect and store credit information. Banks and lenders check with these companies when you apply for a loan or credit. Each company might have different details about you, so it’s good to check with all three.

A default, or black mark, happens when you don’t pay a bill on time, and it gets reported on your credit file. If a bill is over $150 and more than 60 days overdue, it can end up on your credit report as a negative mark. You can get a default from different companies or services like banks, phone companies, or even utility bills. We help find and remove any defaults that were unfairly put on your credit report.

•Court Writs and Summons: 5 years

•Payment Defaults, Court Judgments, Credit Applications: 5 years

•Serious Issues and Clear-outs: 7 years

•Bankruptcy and Part 9 Debt Agreements: 5 years

One small black mark or default can affect your rating. Most finance providers use automated systems when determining risk; this technology reacts to any negative listing, whatever the size, or whether it has been paid.

Sadly, even small missed payments can stick around on your credit file and cause problems.

Whether the amount was $150 or $5,000, if it reaches the collection stage, it can end up on your credit report.

Almost every adult in Australia has one. If you’ve ever applied for a loan, credit card, phone plan, or even just an electricity account, you probably have a credit report.

To check your credit report, click here or use this link: Get My Credit Report.

Your credit report shows every time you apply for credit or pay a bill late. If there are any black marks (like defaults or late payments), you might be seen as a “bad” credit risk, even if you’ve paid those debts.

When you apply for a loan, lenders check this report, and if they see black marks, they might not want to lend to you. 

Before applying for any type of credit or finance, it's always a good idea to check your credit report first.

To check your credit report, click here or use this link: Get My Credit Report.

We look into the reasons the mark shouldn’t be there and handle everything for you from start to finish.

If you qualify for our services, we proceed with submitting the necessary documents to relevant companies, credit reporting agencies, ombudsmen, or courts as required, aiming to achieve a favorable outcome.

In instances where breaches are identified, results can occur in as little as 30 days.

Yes, you can, but you need to know how to argue the reasons for the mark being wrong and deal with the right organisations. If you’re in financial trouble, you might also get help from a financial counsellor or a community legal center that usually doesn’t charge fees.

There’s no guaranteed time frame, but many people see results in about 30 to 60 days. It really depends on your situation.

Yes, but only if the company didn’t follow the correct laws when they listed the default, or if there’s a valid reason to dispute it.

We conduct a FREE in-depth investigation process to determine whether there may have been any breaches of legislation when the negative listings were recorded on your credit file.

To learn more about how we've helped many Australian's with bad credit, click the link: How We Can Help

Yes. Even small bills, like phone or electricity, can seriously impact your loan interest rates and whether you get approved for credit.

Yes, the mark can be removed if the company didn’t follow the correct procedures. However, the debt itself will still exist and need to be paid eventually. It’s important to understand that lenders see the negative mark or default on your credit report, not the actual debt amount. If the default is removed, you will still owe the debt, but it won’t appear as a negative mark on your credit report.

No. A default is listed directly by the credit provider, while a judgment is a court decision