Key Takeaway
Australian Credit Solutions operates as a division of Fogarty Oliver and Rothschild — a law firm. Every credit repair case is managed under the supervision of Principal Solicitor Elisa Rothschild BA/LLB (Monash University). When we write to a creditor disputing a default, court judgement, or enquiry, that correspondence comes from a licensed law firm — not a call centre or template-letter service. This is why our success rate is 98% on accepted cases. No Win No Fee. 4.9/5 from 976+ verified reviews. Industry Excellence Award 2022, 2023 and 2024.
Quick Answer: Australian Credit Solutions operates as a division of Fogarty Oliver and Rothschild — a law firm. Every credit repair case is managed under the supervision of Principal Solicitor Elisa Rothschild BA/LLB (Monash University). When we write to a creditor disputing a default, court judgement, or enquiry, that correspondence comes from a licensed law firm — not a call centre or template-letter service. This is why our success rate is 98% on accepted cases. No Win No Fee. 4.9/5 from 976+ verified reviews. Industry Excellence Award 2022, 2023 and 2024.
Not all credit repair is equal. The difference between a lawyer-led dispute and a template letter is significant — and it shows in outcomes.
Why Credit Repair Requires Legal Expertise
Credit repair in Australia isn't about negotiating with creditors or asking them nicely to remove a listing. It's about applying the Privacy Act 1988 and the Credit Reporting Code to identify specific procedural and legal breaches — and then making legally constructed arguments that creditors are obligated to respond to.
This is law. It requires:
- Understanding of the specific notice requirements under the Privacy Act 1988 (Section 21D) and when they have been breached
- Knowledge of the Credit Reporting Code requirements for each type of listing
- Ability to identify whether a debt is statute-barred, disputed, or the subject of a genuine dispute at the time of listing
- Skills to draft formal dispute correspondence that puts creditors on legal notice of their obligations
- Understanding of escalation pathways — AFCA for financial services, TIO for telcos, and the Office of the Australian Information Commissioner (OAIC)
A template letter from a non-legal credit repair service doesn't carry the same weight. Creditors have legal teams. When the dispute comes from another legal team, the conversation changes.
The Difference Between ACS and a Non-Legal Credit Repair Service
| Factor | ACS (Lawyer-Led) | Non-Legal Credit Repair |
|---|---|---|
| Legal qualifications | Principal Solicitor BA/LLB | No legal qualifications required |
| Dispute correspondence | Written by a solicitor under firm letterhead | Template letters with client name inserted |
| Creditor response | Treated as legal correspondence from a law firm | Often ignored or responded to with form letters |
| Complex cases | Managed by legal professionals | Often declined or handed to clients to self-manage |
| ASIC licence | ACL 532003 (verified at asic.gov.au) | Verify independently — some are unlicensed |
| Success rate | 98% on accepted cases | Varies significantly; often not published |
What "Lawyer-Led" Actually Means in Practice
When we take your case:
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Elisa Rothschild BA/LLB reviews the legal grounds — not a junior case manager. The legal analysis of your specific file is conducted by a qualified solicitor.
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Dispute correspondence is prepared under our law firm letterhead — Fogarty Oliver and Rothschild. The creditor receives correspondence from a law firm identifying specific breaches and citing the applicable law.
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We identify every possible ground — not just the obvious one. Multiple simultaneous grounds produce better outcomes than a single argument.
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We escalate through the correct legal pathway — AFCA for banks and financial services, TIO for telcos, OAIC for general privacy breaches. Knowing which pathway is fastest and most effective for each creditor type is something that comes from legal practice experience.
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If we take your case, we fight it — we don't send one letter and wait. We track, follow up, escalate, and pursue until resolution.
When People Search "Credit Repair Lawyers" — This Is What They Need
People searching "credit repair lawyers Australia" are usually in a specific situation:
- They've tried disputing themselves and been ignored
- A previous credit repair company failed them
- They have a complex case — court judgement, serious credit infringement, identity fraud
- They're on a deadline for a home loan or major finance application
For all of these situations, legal expertise isn't a nice-to-have — it's what changes the outcome.
Case Study: Kevin, Melbourne — Court Judgement Set Aside After Two Previous Service Failures
Kevin, 45, a business owner from Moonee Ponds, had a court judgement on his Equifax file from 2021. He'd used two previous credit repair services. Both had sent letters. Both had been unsuccessful. The judgement remained.
He came to Australian Credit Solutions.
We reviewed the court documents. The originating process — the claim documents — had been served at Kevin's former business address, which had been vacated 14 months before service. Kevin had never received notice of the proceedings. The judgement was entered entirely in his absence.
This required court action to set aside, not just a credit bureau dispute. As a law firm, we were positioned to advise Kevin on making the application to the relevant court. The judgement was set aside. The Equifax listing was subsequently removed.
Two previous services hadn't identified that court action was required. Legal knowledge identified the correct pathway.
Get a free assessment from Australian Credit Solutions →
Frequently Asked Questions
Do I need a lawyer for credit repair in Australia? You don't legally need a lawyer — you can dispute credit file entries yourself. But lawyer-led credit repair produces significantly better outcomes, particularly for complex cases involving court judgements, serious credit infringements, or creditors who ignore individual dispute letters. ACS is a law firm-operated service with a 98% success rate on accepted cases.
What is a credit repair lawyer in Australia? A credit repair lawyer is a qualified solicitor who applies the Privacy Act 1988 and Credit Reporting Code to identify legal grounds for removing negative credit file entries, and who conducts dispute proceedings with legal standing. Australian Credit Solutions operates as a division of Fogarty Oliver and Rothschild law firm, led by Principal Solicitor Elisa Rothschild BA/LLB.
Are credit repair attorneys or lawyers different from credit repair companies? Yes — a qualified solicitor can draft legally binding dispute correspondence, identify court-based remedies (such as setting aside a default judgement), and escalate through formal legal channels. A non-legal credit repair service is limited to consumer dispute processes. For complex cases, the difference in outcomes is significant.
How do I verify that a credit repair service is legitimate in Australia? Check ASIC's public register at asic.gov.au to verify the Australian Credit Licence. For lawyer-led services, verify the solicitor's name and qualifications through the Law Society of the relevant state. Australian Credit Solutions: ACL 532003, Principal Solicitor Elisa Rothschild BA/LLB (Monash University).
What does ACS charge for lawyer-led credit repair? ACS operates on No Win No Fee. A modest administration fee covers the legal file assessment. The success component is only charged when a listing is removed. Large upfront fees before any legal work begins are a warning sign in this industry.
Legal Expertise. Real Results.
Australian Credit Solutions is not a call centre with a script. We are a law firm operating in credit repair — applying legal knowledge to credit file disputes with real outcomes.
Why Australians Trust Australian Credit Solutions
Australian Credit Solutions is lawyer-led, ASIC-licensed (ACL 532003), and has operated since 2014. We've helped over 5,000 Australians remove negative credit file entries and access the finance they deserve. Our 98% success rate on accepted cases reflects a simple approach: we only accept cases where we've identified genuine legal grounds. Every case is managed under the supervision of Principal Solicitor Elisa Rothschild BA/LLB (Monash University) — a lawyer, not a call centre. We operate on No Win No Fee: you pay the success component only when we remove an entry from your file. We've won the Industry Excellence Award three consecutive years — 2022, 2023 and 2024. Our 4.9/5 rating from 976+ verified reviews reflects what real clients experience.
All disputes are conducted under the Privacy Act 1988 and the Credit Reporting Code — the laws that govern your rights and creditors' obligations.
Get My Free Assessment → 📞 0489 265 737 🛡️ ASIC Licensed ACL 532003 | ⭐ 4.9/5 from 976+ Reviews | 🏆 Award Winner 2022–2024
Australian Credit Solutions Pty Ltd holds Australian Credit Licence ACL 532003. Credit repair services are subject to individual assessment. Results may vary. This article provides general information only and does not constitute legal or financial advice.
Related reading: About Elisa Rothschild → | Credit repair Australia → | Default removal →
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What Our Clients Say
928+ verified reviews from real clients
"After struggling with credit issues for years, I finally found a solution. The team's expertise and professionalism made the whole process smooth and stress-free."
"From the first phone call, I knew I was in good hands. The team was knowledgeable, patient, and achieved exactly what they said they would. Five stars!"
"I'm really happy with the service I received. The team was very supportive throughout the process, and the consultant was professional and helpful. Highly recommend their team."
"I wish I had found Australian Credit Solutions sooner. They sorted out my credit issues professionally and now I have a much better financial future ahead."
Elisa Rothschild
(BA/LLB)Principal Solicitor & Director
With over 12 years of experience in credit law, Elisa has helped thousands of Australians remove unfair credit listings and rebuild their financial futures. She leads Australian Credit Solutions' legal team with a focus on consumer advocacy and regulatory compliance.
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