*$330 admin fee applies. No success fee if listing not removed.
Real reviews from real Australians who fixed their credit with us
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.
A removal stands or falls on identifying a specific breach of the Privacy Act 1988 and putting it correctly. That is a legal exercise, not a strongly worded email — which is why our work is prepared under solicitor supervision.
Every challenge is built on the Privacy Act 1988 and the Credit Reporting Code — the legislation that governs how listings must be recorded.
The breach we see most often is a creditor failing to issue the required Section 21D notice before listing a default. We read your file for exactly these failures.
Where a dispute is wrongly rejected, we can escalate to the Australian Financial Complaints Authority, whose determinations are binding on credit providers.
For qualifying matters, you only pay a success fee if a listing is actually removed. Your file is assessed for free first.
We hold Australian Credit Licence ACL 532003 and operate under Fogarty Oliver and Rothschild Lawyers.
You speak with people who understand both the law and the stress of a knock-back. We handle the creditors and bureaus so you do not have to.
Where they were recorded in breach of the law, these can be challenged and removed — subject to assessment of your file.
Telco, utility, BNPL and loan defaults listed without a compliant pre-listing notice.
Judgments recorded incorrectly or without proper process.
Excessive or unauthorised enquiries dragging down your score.
Wrong amounts, disputed debts, or entries that simply should not be there.
A: Yes. A solicitor-led firm approaches your credit file as a legal matter, not an administrative one. At Australian Credit Solutions, disputes are prepared under solicitor supervision and grounded in the Privacy Act 1988 and the Credit Reporting Code. We are ASIC licensed (ACL 532003) and operate under Fogarty Oliver and Rothschild Lawyers.
A: A credit lawyer reviews whether the listing complied with the law when it was recorded. If the creditor breached the Privacy Act 1988 — for example by failing to issue the required Section 21D pre-listing notice — the listing can be challenged and removed. Every matter is subject to individual assessment, and results may vary.
A: Yes. For qualifying matters we work on a No Win No Fee basis, so you only pay a success fee if a listing is actually removed. Your credit file is assessed for free first so you know where you stand before committing to anything.
A: Yes. The Privacy Act 1988 (Part IIIA) gives consumers the right to dispute inaccurate or non-compliant credit listings, and firms must hold an Australian Credit Licence issued by ASIC. Australian Credit Solutions holds ACL 532003 and is a member of the Australian Financial Complaints Authority (AFCA).
A: Most removals, where grounds exist, land within 30 to 90 days, with the fastest resolving in as little as two to three weeks. Timing depends on the complexity of the matter and how quickly the creditor and bureau respond within the statutory period.
A: Defaults, court judgments, and excessive or unauthorised credit enquiries can all be challenged where they were recorded in breach of the Privacy Act 1988 or the Credit Reporting Code. Paying a debt does not remove a listing, but an unlawful listing can be removed regardless of whether it is paid.
A lawyer-led review of your credit file costs you nothing — and it is the first step to knowing where you really stand.
A solicitor-supervised review of what is on your file and whether it can be challenged — takes 60 seconds to start.
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 →