Australian credit repair · since 2020
We remove defaults, court judgments, late payments and enquiries from Australian credit files, paid or unpaid.
REAL CLIENT · EQUIFAX SCORE
$187 · Optus default
+490
526 → 1016 · average removal 3–6 weeks
Individual client result. Outcomes depend on your credit file and aren't guaranteed.
What we remove
Bad credit can sit on your file for 5 to 7 years. If a listing was put there incorrectly, it can be removed, and you don't have to wait it out.
Consumer defaults, paid or unpaid.
Business defaults, paid or unpaid.
Serious credit infringements.
Judgments, writs and summonses.
Repayment history on cards, loans and mortgages.
Unauthorised or incorrectly recorded enquiries.
Recent removals · updated weekly on mondays
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.
Client 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.
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How it works
1
Your Equifax and Experian credit reports. Don't have them? Get a free copy below.
2
We tell you what could be removed, with an estimated success rate, fees and timeframe. These are estimates, not guarantees. If there's nothing to fight, we'll say so.
3
We request the creditor's records and look for breaches. If the listing breaches the rules, it has to be removed. It's black and white. We fight for removal, including through AFCA where you're eligible. If a listing can't be removed, you don't pay a removal fee for it.
4
You only pay removal fees once a listing is confirmed removed.
Our fees
All fees include GST. One investigation fee covers both defaults and judgments.
Payment plans: $150 per week
We want to help as many Australians as possible, so we offer a standard, set payment plan of $150 per week.
LISTING
UPFRONT
PER REMOVAL
Defaults & clearouts
$600 investigation
$1,800 each
Judgments, writs & summonses
$600 investigation
$3,000 each
Late payments
No upfront fee
$390 per month, max 6
Enquiries
$200 admin
$200 each
Free alternatives are available
You can lodge disputes yourself with the credit reporting bodies (Equifax and Experian), the creditor and the Australian Financial Complaints Authority (AFCA). Free, confidential financial counselling is also available from the National Debt Helpline on 1800 007 007 or at ndh.org.au.
Giving back
Free, honest advice
Not everyone can afford credit repair. If we think you're better off fixing it yourself, we'll tell you, and point you in the right direction at no cost.
One free file every month
Each month we take on one client's file free of charge for someone doing it tough, including people affected by domestic and family violence or financial hardship. It's something we're truly proud of.
$80,000+
in free credit repair services given since we opened in 2020.
Going through a hard time? Let us know in your free credit assessment.
Get a free assessment. We'll tell you what could be removed, with an estimated success rate, fees and timeframe.
On TikTok · @wipecreditclean
Real scenarios and straight answers, plus TikTok Lives where Larni answers your credit questions on the spot.
Free download
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.
Download PDFWant a personalised look at your file? Get a free credit assessment