*No Win No Fee. Your exact costs are confirmed in writing after a free file review.
Real, verified reviews from Australians who came to us stressed about their credit — in their own words
“It's beyond words the awesome help I've gotten from you. I'm a grown man on the verge of tears because I'm so happy with the outcome. I thank you all from the bottom of my heart.”
“I was unsure if credit repair would actually work, but Angelie proved me wrong. Two defaults removed and I'm officially home loan ready. If you're on the fence or feeling stressed about your credit, I'd highly recommend reaching out to her.”
“They successfully removed my default, which I honestly didn't think was possible. Karla and Erica were amazing throughout the whole process — they kept me informed, explained everything clearly, and were very supportive.”
“From the very beginning they were professional, understanding, and made the entire process feel manageable instead of overwhelming. A special thank you to my consultant Angelie, who went above and beyond to guide me every step of the way.”
“A little mistake from the past got me into big trouble, but Australian Credit Solutions helped me from the start right through to the end. Thank you again — it means a lot to me.”
“I can't thank the team enough for removing a default from my credit file. They were patient, professional, and genuinely cared about my situation. The whole process was clearly explained and handled smoothly from start to finish.”
“They were able to remove my default in just one day, and now my repayment history is clear. I'm so excited to finally move forward with my car loan. Highly recommend their fast and professional service!”
“They made what felt like a daunting situation so much easier to navigate. Thanks to their expertise, my credit score is now in great shape and I can finally move forward with confidence. Highly recommend.”
“Sheina was great and amazing throughout the entire process. I tried different companies before, but Australian Credit Solutions was by far the best. The whole team was professional, supportive, and made everything easy.”
“Sherlyn and Erica were amazing to work with — very professional and always kept me updated. They successfully removed negative listings from my credit file, and the results have made a huge difference for me.”
“Thanks to their hard work, two defaults were successfully removed from my credit file. Vanessa and Angelie were professional, supportive, and kept me informed throughout the process. I'd highly recommend their services.”
“Thank you so much, Vanessa and the team, for understanding me. I really love your service, and hopefully my credit score will be on top soon. Amazing service — highly recommended!”
Reviews are genuine and unedited except for length. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
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 external dispute resolution scheme, whose determinations are binding on credit providers.
For qualifying matters, flexible payment plans are available. 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 flexible payment plans are available. 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 external dispute resolution scheme.
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 →