Real reviews from real Australians who fixed their credit with us
Credit enquiries might seem harmless, but they're actually one of the most damaging and misunderstood aspects of your credit file. Each unauthorized or excessive enquiry tells lenders you're "credit hungry" and desperate for finance.
Hard credit enquiries are created every time you apply for credit — loans, credit cards, store cards. They're visible to all future lenders and stay on your file for 5 years. Each enquiry can lower your credit score by 5-10 points.
Did you know? Under Australian law, credit providers must have written consent before making enquiries. Many violations occur when this requirement isn't properly met — and that's where we can help.
Every unauthorized enquiry is lowering your score and making lenders suspicious
Single enquiry: 5-10 point drop. Multiple enquiries: 20-50+ points. Each enquiry makes the next more damaging.
You look "credit hungry" and desperate for money. Lenders see you as higher risk, leading to rejections.
Multiple lenders accessed for single loan application. 10-20 enquiries from one broker submission.
Fraudulent applications made in your name. Unauthorized credit seeking creating ongoing damage.
0.5% higher rate = $12,500 extra over 5 years on a $500K loan. Automatic rejections from pristine lenders.
2% higher rate = $4,000 extra over 5 years on a $40K loan. Forced into dealer finance at 18%+.
Rejected for premium products, forced into high-fee options. Miss 0% balance transfer cards.
Every type of problematic enquiry can be challenged
Single application submitted to 10-20 lenders without disclosure. We challenge lack of specific consent.
Fraudulent applications made without your knowledge. No valid consent means we can remove these.
Duplicate enquiries, test enquiries, soft enquiries misreported as hard enquiries.
Surprise applications during purchase with unclear consent. We challenge inadequate procedures.
We analyze your credit file to identify every enquiry - authorized and unauthorized. Many clients are shocked at what they find.
Our lawyers investigate whether proper written consent was obtained for each enquiry, identifying violations.
We submit formal challenges for each removable enquiry, citing specific Privacy Act and credit reporting violations.
As enquiries are removed, your credit score improves and lender perception changes. You look responsible, not desperate.
Dedicated expertise in credit enquiry challenges. We understand the technical and legal aspects.
Our lawyers know Privacy Act requirements for credit enquiries and how to challenge violations.
You only pay when we successfully remove enquiries from your credit file.
Proven track record of successful enquiry removal across all major credit bureaus.
Full Australian Credit License (ACL 532003) with strict compliance standards.
Many enquiries removed quickly rather than waiting 5 years for natural expiry.
A: Hard enquiries remain for 5 years from the date made. However, we can often remove them faster through legal challenges.
A: If consent was not properly obtained, was exceeded, or was for purposes other than stated, we can challenge even "authorized" enquiries.
A: Each enquiry can drop your score by 5-10 points. Multiple enquiries create compound damage of 20-50+ points.
A: When a broker submits your application to 10-20 lenders without disclosure, creating multiple enquiries from what you thought was one application.
A: Many enquiries are removed within 30-60 days of our challenge process, much faster than the 5-year natural expiry.
A: Yes! Fraudulent enquiries made without your consent have a 99% removal success rate through our legal challenge process.
Get your free enquiry assessment today and find out which enquiries can be removed from your credit file.
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