At Enhanced Credit Repair, we specialise in removing credit defaults to help boost your credit score, reapply for finance, and achieve your financial goals with confidence.
A credit default is recorded when a payment is overdue for 60 days or more.
It can stay on your credit file for up to 5 years, impacting your credit score and financial opportunities.
Defaults aren’t limited to just loans or credit cards; they can come from unpaid bills like:
- Phone plans
- Electricity & Gas
- Buy Now Pay Later Accounts
- Collections & Overdue Accounts
- Government & Tax Debt
In Australia, credit providers must follow strict regulations before listing default information on a credit file.
If they’ve breached any part of these regulations, the default must be removed. You have the right to dispute these listings.
If you suspect a default on your credit file, contact us for a FREE assessment and credit file audit with one of our friendly consultants.
We’ll provide you with copies of your credit files and conduct a comprehensive review to identify any errors, such as defaults, that may be harming your credit score.
We look into whether any legal errors may have been made when the negative listings were added to your file, and work to remove any errors from your file to clean up your credit report and boost your score.
Lower your interest rates by improving your credit score.
A better credit score can lead to more favourable loan terms and lower monthly payments.
By law, credit providers and credit reporting agencies have up to 30 days to investigate and remove incorrect defaults from your credit report if a mistake or breach is found.
Fill out your details, and one of our friendly specialists will call you shortly to discuss how we can help improve your credit and get you back on track.
What Our Clients Say
Getting Approved
Increased chances of being approved for things such as; Mortgages, Car Loan or Business Loan.
Lower Interest Rates
With good credit, you can get lower interest rates on loans and credit cards, which means you pay less over time.
Refinancing Opportunities
With a strong credit score, you have the option to refinance existing loans to secure lower interest rates, reducing overall debt burden over time.
Easier Approval for Rental Properties
Landlords may check credit scores; a good credit score can make the rental application process smoother and may increase your chances of securing your desired property.
Find quick answers to common questions below.
Start Your Journey to Better Credit Today
Get Your No-Obligation Credit Assessment and Remove Your Bad Credit
Fill out your details and one of our friendly specialists will call you shortly.