You're not alone - over 2 million Aussies have missed BNPL payments, and most had no idea it would destroy their credit
Afterpay, Zip, and Klarna made spending feel effortless. Split that $200 purchase into 4 easy payments - what could go wrong? Turns out, everything.
You had Afterpay for clothes, Zip for tech, Klarna for furniture. Keeping track of payment dates across 4+ apps became impossible.
One missed payment led to fees. Fees led to more missed payments. Before you knew it, defaults across multiple BNPL providers.
That home loan application? Rejected. Credit card? Denied. Even rental applications are being knocked back because of "harmless" BNPL defaults.
Friends and family don't understand how BNPL could wreck your credit. You feel trapped by what seemed like such small amounts.
Banks see multiple BNPL defaults and assume you can't manage money. You're being punished for years because of a few missed $40 payments.
What seemed like pocket change has become the biggest barrier to your financial future
Each BNPL default can drop your score by 50-100+ points. Multiple defaults can cause 200-400+ point drops.
Lenders see BNPL defaults as a red flag. Even small defaults can block $500K+ home loan applications.
Banks view multiple BNPL defaults as proof you can't manage credit. Basic credit cards get rejected.
Property managers now check credit files. BNPL defaults can cost you rental applications.
Some employers check credit, especially in finance or management roles. BNPL defaults can cost you career opportunities.
BNPL defaults stay for 5 years. That's 5 years of rejection because you missed a few small payments.
Our proven approach removes Afterpay, Zip, Klarna, and BNPL defaults to get your financial life back on track
We understand how Afterpay, Zip, Klarna report defaults. Many have compliance failures we can challenge.
Our lawyers know BNPL default reporting requirements. We challenge defaults that don't meet standards.
Whether Afterpay, Zip, Klarna, Sezzle, or Humm - we have experience removing defaults from all platforms.
Watch your score recover as defaults disappear. Many clients see 100-300+ point improvements.
Australia's #1 BNPL with 3.6M+ users. Highest default volume we see. Strong compliance requirements we leverage.
2M+ Australian users. Complex reporting structure creates removal opportunities. Specialized strategies for different products.
Growing Australian presence. International compliance creates unique challenges. Different reporting standards we can challenge.
Popular with Gen Z for beauty. Smaller amounts but frequent defaults. Less established removal processes we exploit.
We've helped over 1,200 young Australians remove BNPL defaults. We understand your relationship with money and don't judge.
Our lawyers specialize in Buy Now Pay Later compliance requirements. We know which defaults can be removed.
Award-winning company with the highest BNPL default removal success rate in Australia.
You only pay when we successfully remove BNPL defaults. No upfront costs while you're rebuilding.
Full Australian Credit License (ACL 532003) with strict compliance standards.
BNPL defaults often have compliance issues enabling quick removal. Many see results within 60-90 days.
A: Most major providers now report: Afterpay, Zip, Klarna, Sezzle, Humm, Payright, LatitudePay, and Openpay. Some smaller providers may not report yet.
A: Each default can drop your score by 50-100+ points. Multiple defaults can cause devastating drops of 200-400+ points.
A: Extremely difficult. Most banks automatically reject applications with recent BNPL defaults, regardless of income or deposit.
A: 5 years from the date listed. However, many can be successfully removed through legal challenges.
A: Yes! Paid defaults can often be removed more easily. Many providers have compliance failures we can challenge.
A: Multiple defaults create a pattern that's particularly damaging, but also means more opportunities for legal challenges.
Don't let Afterpay and Zip defaults ruin your financial future. Get your credit back on track.
Remove defaults from your credit file legally
Learn More →Challenge and remove court judgements
Learn More →Remove paid defaults that still appear
Learn More →Clean up multiple defaults at once
Learn More →Remove excessive credit enquiries
Learn More →Fix negative repayment history codes
Learn More →