Credit Repair Australia: Get Your Financial Life Back on Track
Australian Credit Solutions (ASIC ACL 532003) is a lawyer-led credit repair company that removes defaults, court judgments, and credit enquiries from credit files under the Privacy Act 1988. Led by Principal Solicitor Elisa Rothschild (BA/LLB, Monash University), the company has a 98% success rate and offers No Win No Fee for qualifying cases.
- ✓ 98% Success Rate - We only take cases we're confident we can win
- ✓ No Win No Fee - You only pay when we successfully remove negative listings
- ✓ ASIC Licensed - Qualified legal team led by Principal Lawyer Elisa Rothschild (BA/LLB)
What Our Clients Say
Real reviews from real Australians who fixed their credit with us
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.
Bad Credit is Costing You Thousands Every Year
When you have negative listings on your credit file, you're not just locked out of loans – you're paying a premium for everything financial.
Home Loans
- Rejected applications despite having stable income and deposit
- Higher interest rates - 2-3% extra can cost $50,000+ over loan life
- Subprime lending with predatory terms and hidden fees
- Missed opportunities in competitive property markets
Car Finance
- Dealer financing only at 15-25% interest rates vs 5-8% for good credit
- Older, unreliable vehicles due to limited financing options
- Higher insurance premiums due to credit score factors
- No access to manufacturer promotional rates
Personal Finance
- Credit card rejections or cards with $500 limits and high fees
- Personal loan rates 10-15% higher than prime borrowers
- Deposit requirements for utilities, rental, mobile plans
- Employment barriers for roles requiring credit checks
💰 The Real Numbers
A single default on your credit file can cost you:
Beyond the money, bad credit affects your life:
Professional Credit Repair That Actually Works
Why Australian Credit Solutions gets results where others fail
Legal Expertise
Our Principal Lawyer, Elisa Rothschild (BA/LLB), brings qualified legal knowledge to every case. We understand the Privacy Act 1988, Credit Reporting Code, and exactly what evidence credit providers must have.
We Fight Credit Providers' Legal Teams
Credit companies have lawyers defending against individual disputes. Shouldn't you have legal expertise on your side? We know how to challenge listings using arguments that credit agencies must take seriously.
98% Success Rate
We only accept cases where creditors failed to follow proper legal procedures. Our high success rate comes from careful case selection and knowing exactly which battles we can win.
Comprehensive Credit File Repair
Unlike companies that only handle one type of listing, we address defaults, late payments, credit enquiries, court judgments, and identity theft.
Faster Results
While DIY efforts take months or years (if they work at all), our professional approach gets results fast. Time is money when you're paying premium rates.
No Win No Fee Confidence
We're so confident in our process that you only pay success fees when we actually remove negative listings. Our $330 admin fee covers initial analysis – if we can't help, that's all you pay.
What Makes Us Different
Defaults We Remove From All Major Lenders
We successfully remove defaults from Australia's biggest banks and credit providers
How We Remove Negative Listings From Your Credit File
Our proven 4-step legal process delivers results
Free Assessment & Legal Analysis
Complete credit file review from Equifax, Experian, and illion. Legal analysis of every negative listing for compliance violations.
Evidence Collection & Case Building
Comprehensive evidence gathering to support legal challenges. Documentation analysis and legal strategy development.
Formal Legal Challenge
Professional legal correspondence to credit agencies and creditors. Evidence submission supporting Privacy Act violations.
Resolution & Ongoing Support
Successful removal of negative listings from all agencies. Credit score monitoring and 6 months ongoing support included.
Real Results for Real Australians
What our clients achieve with professional credit repair
3 defaults, 480 credit score, home loan rejected
All defaults removed, 720 credit score, $650,000 home loan approved
Court judgment blocking business lending
Judgment removed, business loan approved
Only dealer finance at 22% interest available
Bank car loan approved at 6.8% after default removal
What Australians Say About Us
Real results from real clients across Australia
"I can't explain how grateful I am. 100% genuine and trustworthy company with amazing professionals who took my credit file seriously. After being rejected by multiple banks, ACS removed my defaults and I'm now approved for everything I need."
"ACS removed my default quickly. Now I'm driving a brand new Mazda CX-5 with 4.9% finance! The whole process was smooth and I'm so grateful for their expertise."
"After trying to fix my credit myself for over a year with no success, ACS removed multiple defaults. The money I'm saving on my home loan interest makes their fee look tiny in comparison."
Why Choose Australian Credit Solutions
Principal Lawyer Elisa Rothschild (BA/LLB)
- ✓ Qualified lawyer specializing in credit reporting law
- ✓ 10+ years experience in Australian credit industry
- ✓ Regular speaker on consumer credit rights
- ✓ Licensed under ASIC ACL 532003 with full regulatory compliance
Legal Team Advantage
In-depth knowledge of Privacy Act 1988 requirements, Credit Reporting Code compliance obligations, experience with OAIC complaints and AFCA disputes, and established relationships with credit agency decision-makers.
No Win No Fee Structure
Investment in your financial future with our transparent pricing
Investment vs Return
Home Loan Scenario
Service cost: $1,200
Interest improvement: 1.5% on $500K loan
Annual savings: $7,500
Car Loan Scenario
Service cost: $800
Bank vs dealer difference: $6,000
Credit Card Access
Service cost: $600
0% vs 22% savings: $3,000
Frequently Asked Questions
Everything you need to know about credit repair
Credit Repair in Australia: What You Need to Know in 2026
Australia's credit reporting system is governed by the Privacy Act 1988 and regulated by ASIC. Understanding your rights is the first step to fixing your credit.
Three Credit Bureaus
Equifax, Experian, and illion each maintain separate credit files on you. A default on one bureau may not appear on others. Our credit repair process checks and challenges listings across all three bureaus simultaneously.
Comprehensive Credit Reporting
Since 2014, Australia uses comprehensive credit reporting (CCR). This means your credit file now shows positive repayment history alongside negatives. However, a single default can still override months of positive data and result in loan rejection.
Your Legal Rights
Under the Privacy Act 1988, credit providers must follow strict procedures before listing defaults. They must send you a Section 6Q(1)(b)(i) notice, wait the required period, and ensure all information is accurate. Failure to comply is grounds for removal.
Common Credit Issues Australians Face in 2026
Cost of Living Defaults
Rising interest rates and inflation have pushed many Australians into hardship. Utility bills, phone plans, and BNPL services are the most common sources of new defaults.
BNPL & Afterpay Defaults
Buy Now Pay Later services now report to credit bureaus. Small missed payments on Afterpay, Zip, and Humm can create defaults that block home loan approvals worth hundreds of thousands.
Telco & Utility Defaults
Telstra, Optus, Origin, and AGL are among the most frequent default listers. Many fail to follow proper hardship procedures before listing, creating grounds for removal.
Old Debts Sold to Collectors
Debt collectors like Credit Corp, Panthera Finance, and Collection House often list defaults on debts they've purchased. The chain of documentation is frequently incomplete, providing removal opportunities.
Credit Repair Services Across Every State & Territory
Credit reporting in Australia is federally regulated under the Privacy Act 1988, meaning our legal process works the same whether you're in Sydney or Darwin. We help clients in every corner of Australia.
New South Wales
Australia's most expensive property market. A single default in Sydney can cost you $28,000+ per year in higher mortgage interest.
Victoria
Melbourne's competitive property market means clean credit is essential. We help Victorian families access mainstream lending rates.
Queensland
From Brisbane's 2032 Olympics boom to the Gold Coast glitter strip, Queensland's growth demands clean credit for property access.
Western Australia
Perth's mining-driven economy creates boom-bust cycles. Many WA defaults stem from industry downturns — and many are removable.
South Australia
Adelaide's growing economy and AUKUS investment bring new opportunities — but only for those with clean credit files.
Tasmania
Tasmania's property market has seen some of Australia's strongest growth. Credit repair helps locals compete in an increasingly tight market.
Northern Territory
Remote communities and unique economic conditions create specific credit challenges. Our national service covers all NT residents.
Credit Repair for Specific Situations
Our Credit Repair Services
Ready to Get Your Financial Life Back?
Don't spend another month accepting poor credit when professional help can change your situation.
Every day you delay addressing credit issues is potentially another day of:
- 💸 Higher interest rates costing hundreds monthly
- ❌ Loan rejections preventing life goals
- 🚫 Limited access to competitive financial products
- 😰 Stress and worry about your financial future
Your credit repair journey starts with one phone call. Make it today.
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Need to understand how credit repair works in Australia? Our comprehensive national guide covers everything — your legal rights, the process, costs, and success rates.
Credit Repair Australia — Full National Guide →