Australian credit repair · since 2020
Struggling with your credit file? We'll review it for free and explain your options so you can make an educated decision.
Default removed
$187 · Optus
+490
Individual client result. Outcomes depend on your credit file and aren't guaranteed.
Most of the time it comes from things nobody plans for: losing a job, illness, a divorce or relationship breakdown, or a period of financial hardship. It doesn't make you a bad person, and it doesn't have to follow you forever.
our Client's results
Default removed
$187 · Optus
+490
Default removed
$4,885 · NAB
+479
Late payments removed
Home loan · Pepper
+367
Late payments removed
5 months · Latitude
+402
Late payments removed
Credit card · Westpac
+345
Enquiries removed
3 credit enquiries
+187
*Every figure is taken from the client's own Equifax credit report (score out of 1200). Results depend on each client's file and aren't guaranteed.
Recent removals
30
defaults removed
102 yrs
of bad credit cleared
Defaults removed
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Credit enquiries removed
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Court judgments removed
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*Taken from our client case records. Amounts are the listed default amounts; enquiry amounts are what was applied for and aren't counted as debt. "Would have stayed until" is 5 years from the month a default was listed or an enquiry was made, or 2 years from the latest late payment month. "Years of bad credit cleared" adds up the time each listing had left to run on the client's file. Client details are never shared. Every file is different and past removals don't guarantee a result on yours. Last updated 23 October 2026.
Bad credit calculator
See how much more you could pay with a default, judgment or late payments on your credit file, compared with a clean one.
What's holding you back
Paying the debt doesn't remove the listing, it's only updated to "paid". And listings aren't always recorded correctly.
5 years
Defaults
5 years
Court judgments
7 years
Clearouts
2 years
Late payments
5 years
Credit enquiries
How we can help
See what we can remove from your credit file, how the process works and what it costs, including free alternatives and payment plans.
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How to keep your credit file healthy
Our free one-page guide. No sign-up needed.
Keep Your Credit Healthy
6 tips, how long listings stay on your file, and what can be removed.
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