*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.
Reviews are shown as posted by clients on Google and ProductReview.com.au. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
Every default on your credit file costs you thousands in higher rates and rejected applications
Medical bills, car repairs, urgent home fixes — when life hits hard, bad credit leaves you stranded.
While others get 4.99% personal loans, you're forced into predatory rates above 20%. That's $4,400 more on a $20,000 loan.
Multiple credit cards at 19-24% are bleeding you dry. You need a personal loan to consolidate — but bad credit blocks every application.
Your kitchen needs a remodel, the roof needs fixing, but without affordable personal loans, your home improvement dreams are stuck.
Defaults stay on your credit file for 5 years. That's 5 years locked out of competitive rates — unless you take action now.
Want to upskill or pay for education? Personal loans fund life-changing opportunities — but bad credit slams the door shut.
Our 3-step process disputes incorrectly listed defaults so you can pursue competitive personal loan rates
We identify and challenge every default, late payment, and enquiry dragging down your credit score.
Your credit score updates as incorrect negative marks are removed.
Work towards mainstream personal loan rates once incorrect listings are removed.
With incorrect listings corrected, lenders assess you on your actual history, not a mistake.
Here's exactly how we help you prepare for the personal loan you need
We pull your credit report and identify exactly what's blocking your personal loan approval. Takes 60 seconds.
Our solicitor challenges every removable default, late payment, and enquiry using proven legal strategies.
Track your credit score improvement in real-time as defaults disappear and borrowing power increases.
Once clean, we guide you to the best personal loan options and help optimize your application for approval.
Recognised as lawyer-led credit repair company Award Winner 2022, 2023, 2024 & 2026.
Our Principal Solicitor, Elisa Rothschild, brings 10+ years of consumer credit law experience.
flexible payment plans are available. No upfront costs, no hidden fees.
We understand specific requirements for debt consolidation, emergency funds, home improvements.
Full Australian Credit License (ACL 532003) means strict compliance and professional standards.
We explain each step of the dispute up front. A typical process runs 30–90 days, subject to the creditor’s response.
A: Yes, but you'll face higher rates and limited options. Most lenders require scores above 600. Where defaults were listed incorrectly, we dispute them so you can apply for better rates.
A: Our process typically takes 60-90 days, depending on how each creditor responds. Outcomes are never guaranteed.
A: For best rates (4.99%-7.99%), you need 700+. Scores 600-699 get moderate rates (8%-15%). Below 600 faces rejection or 20%+ rates.
A: Amounts range from $2,000 to $100,000. With bad credit, you might only get $5,000-$15,000 at high rates. After an incorrect listing is removed, larger amounts may become available.
A: Absolutely! Consolidating $25,000 of credit card debt (19-24%) into a personal loan (4.99%-9.99%) typically saves $200-400 per month.
A: Approval times depend on the lender — online lenders can decide within days, banks often take longer. Approval is never guaranteed.
Start your credit repair today and work towards better rates for debt consolidation, emergency funds, and life goals
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 →