Wipe Credit Clean | Credit Repair Australia – Defaults, Judgments & Enquiries Removed

Bad credit can happen to anyone.

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.

Job lossIllness or injuryDivorce or separationFinancial hardshipDomestic or family violenceLoss of a loved oneBusiness closureNatural disaster

Recent removals · updated weekly

$135,545 of defaults removed this month.

defaults removed

95 yrs

of bad credit cleared

Defaults removed

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Debt Resolutions

$28,141

Default · Unpaid · listed Apr 2026

Would have stayed on their file until Apr 2031

MoneyMe

$24,425

Default · Unpaid · listed May 2024

Would have stayed on their file until May 2029

Credit Corp

$21,118

Default · Unpaid · listed Dec 2024

Would have stayed on their file until Dec 2029

Credit Corp

$17,376

Default · Unpaid · listed Aug 2025

Would have stayed on their file until Aug 2030

Money3

$15,967

Default · Unpaid · listed Jul 2025

Would have stayed on their file until Jul 2030

PRA Australia

$7,664

Default · Paid · listed Jul 2023

Would have stayed on their file until Jul 2028

Australian Receivables

$6,834

Default · Unpaid · listed Oct 2022

Would have stayed on their file until Oct 2027

Credit Corp

$5,493

Default · Unpaid · listed Apr 2026

Would have stayed on their file until Apr 2031

Latitude

$3,682

Default · Unpaid · listed Jun 2023

Would have stayed on their file until Jun 2028

Credit Corp

$1,638

Default · Unpaid · listed Jan 2023

Would have stayed on their file until Jan 2028

Credit Corp

$991

Default · Unpaid · listed Jun 2024

Would have stayed on their file until Jun 2029

PPC Pay In 4

$917

Default · Unpaid · listed Nov 2023

Would have stayed on their file until Nov 2028

Strategic Collections

$878

Default · Unpaid · listed Jul 2023

Would have stayed on their file until Jul 2028

Credit Corp

$244

Default · Unpaid · listed Mar 2023

Would have stayed on their file until Mar 2028

Credit Corp

$177

Default · Unpaid · listed Feb 2025

Would have stayed on their file until Feb 2030

Credit enquiries removed

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Pepper Money

$1,360,000

Business finance · enquiry made Sep 2023

Would have stayed on their file until Sep 2028

ANZ

$1,080,000

Home loan · enquiry made Aug 2024

Would have stayed on their file until Aug 2029

ANZ

$1,057,471

Home loan · enquiry made Jul 2024

Would have stayed on their file until Jul 2029

Metro Finance

$298,584

Business finance · enquiry made Nov 2025

Would have stayed on their file until Nov 2030

Metro Finance

$115,990

Business finance · enquiry made Jun 2022

Would have stayed on their file until Jun 2027

ANZ

$11,000

Credit card · enquiry made May 2025

Would have stayed on their file until May 2030

Rapid Loans

$2,100

Personal loan · enquiry made May 2026

Would have stayed on their file until May 2031

Payright

$1,238

Personal loan · enquiry made May 2022

Would have stayed on their file until May 2027

Handout Loans

$400

Personal loan · enquiry made Apr 2026

Would have stayed on their file until Apr 2031

Latitude

Credit card

No amount listed · enquiry made Sep 2026

Would have stayed on their file until Sep 2031

Credit Corp

Personal loan

3 enquiries · no amount listed · made Apr–Jun 2026

Would have stayed on their file until Jun 2031

Wizit

Personal loan

No amount listed · enquiry made Jun 2026

Would have stayed on their file until Jun 2031

Court judgments removed

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Elders Rural Services

$9,906

Court judgment · listed Jun 2022 · removed Oct 2026

Would have stayed on their file until Jun 2027

PRA Australia

$8,871

Court judgment · listed Feb 2024 · removed Oct 2026

Would have stayed on their file until Feb 2029

The Corporation of the Trustee

$3,411

Court judgment · listed Oct 2025 · removed Oct 2026

Would have stayed on their file until Oct 2030

*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 or judgment 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 9 November 2026.

What is bad credit costing you?

See how much more you could pay with a default, judgment or late payments on your credit file, compared with a clean one.

Loan amount

Loan term

Clean credit rate (% p.a.)

Bad credit rate (% p.a.)

We've filled in typical rates. Know your own? Type it in.

Monthly repayment, clean credit

Monthly repayment, bad credit

Extra you pay each month

Bad credit could cost you an extra

in interest over .

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Estimates only, not financial advice. Typical rates are indicative averages for Australian lenders as of October 2026: mainstream lenders for clean credit, specialist lenders for credit files with defaults, judgments or late payments. Your actual rate depends on the lender and your full situation, and some specialist lenders also charge a one-off risk fee. Removal of a listing isn't guaranteed and depends on your credit file.

Your credit file shouldn't hold you back.

Bad credit can happen to anyone.

Real clients. Real scores.

$135,545 of defaults removed this month.

What is bad credit costing you?

Negative listings can stay on your file for years.

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