How we can help
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.
An overdue debt of $150 or more, at least 60 days late, reported by a lender, telco or utility. Paid or unpaid.
The same as a default, but on a business debt, like a business loan, supplier or trade account.
Also called a serious credit infringement. Recorded when a lender couldn't reach you and believes you've avoided the debt.
A court order to pay a debt after a creditor took legal action, including writs and summonses.
Missed or late monthly repayments on credit cards, loans and mortgages, shown month by month on your file.
A record made each time you apply for credit, like a loan, card or phone plan. Too many, or ones you didn't make, can drag your score down.
No default is too big or too small.
Largest default removed
$965,414
ANZ Home Loan
Smallest default removed
$150
Ledger Acquisitions
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.
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.
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.
Get a free assessment. We'll tell you what could be removed, with an estimated success rate, fees and timeframe.
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