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Elisa Rothschild
Led by Elisa RothschildBA/LLB • Principal Lawyer & Credit Specialist
✓ Award Winner 2022 • 2023 • 2024 • 2025 — 4 Consecutive Years

Credit Repair Australia — Remove Defaults & Fix Your Credit File Fast

Rejected For a Loan? We Can Help You Get Approved Again

Australian Credit Solutions is Australia's leading credit repair service. Whether you've been rejected for a home loan, car finance, or personal loan because of a default on your credit file, our award-winning legal team can help. With a 98% success rate removing defaults, we've helped over 5,000 Australians fix their bad credit and get approved for the finance they deserve.

That default is costing you thousands in higher interest or blocking approval entirely. Let us fix it.

Check If My Default Can Be Removed →⏱ Takes 60 Seconds
★★★★★ 4.9/5 from 976+ Reviews
🛡️ ASIC Licensed ACL 532003
💰 No Win No Fee
NO WIN NO FEE
📋
Free Credit Assessment
Find out if we can help — no obligation
Home loan
Car loan
Personal loan
Business finance
Future loan ready

"Finally someone who actually helped!" — Sarah M., VIC

🔒 256-bit SSL • Your data is protected
👋 Meet Our Director

Your Fresh Start Begins With Expert Help

Elisa Rothschild, Principal Lawyer & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. With 12+ years experience and ASIC licensing (ACL 532003), you're in expert hands.

✓ BA/LLB Qualified Lawyer
✓ ASIC Licensed ACL 532003
✓ 5,200+ Clients Helped
Success Story

Real Results From Real Clients

Watch how we helped this client remove their default and get approved for finance

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98% SuccessProven Results
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No Win No FeeRisk-Free
🛡️
ASIC LicensedACL 532003
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Fast ResultsProfessional Service
Verified Reviews

What Our Clients Say

Real reviews from real Australians who fixed their credit with us

Defaults We Remove Every Day

We successfully remove defaults from Australia's biggest banks and credit providers

Westpac
ANZ
Commonwealth Bank
NAB
St George
GE Money
Credit Corp
Flexi
Latitude
Origin Energy
Dodo
Panthera Finance
The Problem

That Default Is Costing You More Than You Think

Every day you wait, you're losing money and missing opportunities

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Home Loan Rejection

Banks automatically decline mortgage applications when defaults appear. That dream home stays out of reach.

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Higher Interest Rates

Bad credit means you pay thousands more in interest over the life of any loan you do get approved for.

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Car Finance Problems

Need a reliable vehicle for work? Defaults make car finance difficult or impossibly expensive.

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Phone & Utility Issues

Even simple things like phone contracts and utility connections become hurdles with bad credit.

Our Services

How We Fix Your Credit

Comprehensive credit repair solutions tailored to your situation

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Default Removal

We challenge and remove paid and unpaid defaults from your credit file using legal processes.

Learn More →
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Court Judgments

Remove CCJs and court judgments that are preventing you from accessing finance.

Learn More →
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Credit Enquiries

Too many enquiries damaging your score? We can help clean up your enquiry history.

Learn More →
Our Process

How It Works

Simple, transparent, and effective

1

Free Assessment

We review your credit file and identify removable listings at no cost.

2

Legal Audit

Our team prepares legal challenges based on Privacy Act breaches.

3

Challenge Sent

We lodge formal disputes with credit providers and bureaus.

4

Listing Removed

Successful removal - your credit score improves immediately.

Got Questions?

Frequently Asked Questions

Everything you need to know about credit repair

At Australian Credit Solutions, we charge a $330 administration fee upfront, with the success fee only payable when we successfully remove your negative listing. Our No Win No Fee policy means if we can't remove your default, you don't pay the success fee.
Most credit repair cases are resolved within 2-8 weeks, depending on the complexity. Simple cases can be resolved in 2-3 weeks. More complex cases involving multiple defaults may take 6-8 weeks.
Yes, credit repair is 100% legal in Australia. Under the Privacy Act 1988 and the Credit Reporting Code, you have the right to challenge any listing that is inaccurate or was listed without following proper procedures. We are ASIC licensed (ACL 532003).
We can help remove defaults, court judgments, late payment records, excessive credit enquiries, and other negative listings that were listed incorrectly or without following proper legal procedures.
Yes, you can dispute credit file errors yourself for free by contacting the credit bureau directly. However, credit providers have legal teams that make it difficult for individuals to succeed. Our 98% success rate comes from our legal expertise in identifying compliance breaches.
If we assess your case and believe we cannot remove your listing, we'll tell you upfront during our free assessment. If we take on your case and are unsuccessful, you don't pay our success fee. This No Win No Fee policy protects you.
The best way to find out is through our free credit assessment. We'll review your credit file and identify if there are grounds for removal such as improper notices, incorrect amounts, disputed debts, or listing errors.
Once a default is removed, your credit score typically improves by 100-300 points or more. Many clients secure home loans, car finance, and business loans within weeks of having their defaults removed.
Removing a default from your credit file is separate from the underlying debt. If the debt is valid, you may still owe it. However, procedural errors by the creditor can also impact the enforceability of the debt.
We're led by Elisa Rothschild, a BA/LLB qualified lawyer with 10+ years in credit law. We're ASIC licensed (ACL 532003), have won Industry Excellence Awards for 3 consecutive years, and have a 98% success rate helping over 5,000 Australians.

Ready to Fix Your Credit?

Get your free assessment today. No obligation, no credit impact.

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✓ No Win No Fee✓ ASIC Licensed✓ 98% Success Rate
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