Credit Repair Adelaide — Remove Defaults & Get Approved
Bad Credit Holding You Back, Adelaide? Let's Fix It Together.
Adelaide's the best-kept secret that isn't a secret anymore. House prices have gone absolutely mental — suburbs that were $400k five years ago are now $700k. The northern suburbs are still recovering from the manufacturing collapse.
That default's costing you thousands in higher interest — or blocking your approval entirely. Time to sort it out, mate.
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.
Adelaide's Trusted Credit Repair Team
Let's be honest about Adelaide — it's the best-kept secret that isn't a secret anymore. For decades, we were the affordable capital where you could actually buy a house, raise a family, and have a life. Beach in the morning, hills in the afternoon, world-class wine for dinner. The eastern states looked down their noses at us while we quietly enjoyed the best quality of life in the country. But the secret's out now, and the playing field has changed.
House prices have gone absolutely mental. Suburbs that were $400k five years ago are now $700k. The northern suburbs that built this city — where Holden workers raised families for generations — are still recovering from the manufacturing collapse. Meanwhile, defence workers and interstate migrants are flooding in, pushing prices even higher.
That's where we come in. Our legal team doesn't fire off generic disputes — we conduct proper compliance investigations into whether the bank, telco, or whoever actually followed the rules when they listed your default. If they stuffed up anywhere — and mate, they stuff up constantly — we can often get that default removed completely.
Credit Challenges Facing Adelaide Families
The Holden Heartbreak
When Holden closed Elizabeth in 2017, it devastated the entire northern suburbs economy. Parts suppliers, toolmakers, logistics companies — families who'd worked at "the plant" for three generations suddenly had nothing. Many ended up with defaults during that dark period. There's no time limit on challenging a default that wasn't listed properly.
The Defence Boom Squeeze
The AUKUS submarine deal is bringing thousands of jobs and billions to Adelaide — centred at Osborne. Great for the economy, but it's also bringing cashed-up interstate workers who can outbid locals for housing. Families who've lived here for generations are competing against defence contractor salaries.
The "20-Minute City" Cost
Adelaide loves calling itself the 20-minute city — beach to hills, everything close. But that convenience has a price tag now. Everyone wants in, and there's nowhere to sprawl. Unlike Sydney or Melbourne, Adelaide's hemmed in by the hills and the sea. Limited supply plus massive demand equals skyrocketing prices.
The Rental Crisis Nightmare
Adelaide's rental market has become brutal. Vacancy rates near zero, rents climbing 30-40% in two years. For families trying to escape the rental trap, a default on your credit file is devastating. You're stuck paying someone else's mortgage while you can't get approved for your own.
The Eastern States Invasion
Adelaide's been discovered by Sydney and Melbourne buyers arriving in droves. They've sold their cramped terrace for $1.5 million and landed here thinking everything's cheap. Local families saving for years are getting outbid by people who don't even blink at Adelaide prices.
We've Removed Defaults From These Lenders & More
What Adelaide Locals Are Saying
Real results from real Adelaide families
"Third generation in Salisbury. Grandad worked at Holden, dad worked there, I worked at the suppliers. When it all closed, I ended up with defaults I thought would be there forever. ACS found the lenders hadn't followed proper process. All gone."
"Single mum in Marion. Had two defaults from when my ex left and I was drowning. ACS found both lenders had ignored my hardship applications. Both removed, score jumped 160 points. Just refinanced the house into my name only."
"Run a small marketing agency in Norwood. COVID nearly killed us — clients disappeared overnight. Ended up with three defaults blocking any chance of business finance. ACS found all three lenders had cut corners. Every one removed."
Credit Repair Across All Adelaide Suburbs
We help Adelaide families from Gawler to Aldinga and everywhere in between
Adelaide CBD & City Fringe
Adelaide CBD, North Adelaide, Kent Town, Norwood, Kensington, Walkerville, Prospect
Eastern Suburbs
Burnside, Magill, Rostrevor, Campbelltown, Paradise, Newton, Athelstone
North-East & Tea Tree Gully
Modbury, Golden Grove, Greenwith, Wynn Vale, Hope Valley, Tea Tree Gully
Northern Suburbs
Salisbury, Parafield Gardens, Mawson Lakes, Pooraka, Ingle Farm, Para Hills
Elizabeth & Outer North
Elizabeth, Davoren Park, Smithfield, Craigmore, Blakeview, Munno Para, Gawler
Western Suburbs
West Torrens, Thebarton, Torrensville, Lockleys, Brooklyn Park, Richmond
Port Adelaide & Le Fevre
Port Adelaide, Largs Bay, Semaphore, Birkenhead, Queenstown, Alberton
Beaches & West
Glenelg, Brighton, Somerton Park, Seacliff, Marino, Grange, Henley Beach
Southern Suburbs
Marion, Morphett Vale, Reynella, Happy Valley, Aberfoyle Park, Hallett Cove
Adelaide Hills & Surrounds
Stirling, Aldgate, Bridgewater, Mount Barker, Hahndorf, Blackwood, Belair
How It Works for Adelaide Families
Simple, transparent, and effective
Free Assessment
We review your credit file and identify removable listings at no cost.
Legal Audit
Our legal team investigates whether creditors followed proper process.
Challenge Sent
We lodge formal disputes with credit providers and bureaus.
Listing Removed
Successful removal - your credit score improves immediately.
Credit Repair FAQs for Adelaide Residents
Straight answers for Adelaide families
Most Adelaide cases get sorted within 2-8 weeks, depending on how complicated things are. Straightforward cases where the lender's clearly stuffed up can be done in 2-3 weeks — our quickest Adelaide result was a default removed in just 14 days for a Golden Grove couple whose settlement was about to fall through. More complex cases with multiple defaults might take 6-8 weeks. We'll give you a realistic timeframe once we've had a proper squiz at your credit file.
Not at all, mate. There's no time limit on challenging a default that wasn't listed properly. If the lender didn't follow correct procedures back in 2017, 2018, 2019 — whenever — we can still challenge it today. We've helped hundreds of Adelaide families from Elizabeth, Salisbury, and the surrounding suburbs clear out manufacturing-era defaults. Those dark days don't have to follow you forever.
Too bloody right it will. The AUKUS submarine deal is bringing cashed-up workers to Adelaide's western and northern suburbs. Local families need every advantage to compete. Removing defaults boosts your credit score, increases your borrowing power, and helps you lock in better rates. That means a stronger pre-approval and more firepower when you're bidding.
Nah mate, we handle everything by phone, email, and secure document transfer. We've got clients from Gawler to Aldinga, from the Hills to the beaches. Whether you're in Mount Barker, Seaford, Elizabeth, or anywhere in between, you don't need to travel anywhere or take time off work.
We charge $330 upfront to cover investigation costs. Our success fee only kicks in when we actually remove your listing — that's the No Win No Fee part. We know Adelaide families work hard for their money, so we're not going to charge if we can't deliver.
Often, yes. During COVID, lenders were legally required to properly assess hardship applications and follow specific processes before listing defaults. Many didn't — especially with hospitality, tourism, retail, and small business owners. We investigate whether your lenders followed the rules. If they cut corners, we can usually get those defaults removed.
We've helped heaps of Adelaide locals who got stuck with defaults from joint debts their ex ran up. If creditors ignored hardship applications during your separation, didn't properly investigate disputes, or failed to send notices to your correct address, we can challenge those defaults.
Pretty much all of them. Phone and telco contracts, energy bills (and we know SA power isn't cheap), credit cards, personal loans, car finance, Afterpay and Zip, business debts, supplier accounts, gym memberships — you name it. We've helped Holden workers, nurses, tradies, small business owners, and families across Adelaide with every type of default.
100% legal, mate. The Privacy Act 1988 gives you the right to challenge any listing on your credit file that's inaccurate or wasn't listed properly according to the Credit Reporting Code. We're ASIC licensed (ACL 532003) and members of AFCA (Member 83546). Everything we do is above board.
Easy as — takes about 60 seconds. Fill out our free assessment form and we'll pull your credit report to see what's sitting on there. One of our team will give you a bell to chat through your situation, explain what we can remove, and give you a no-obligation quote. Heaps of Adelaide clients are surprised to find listings they didn't know about.
Ready to Sort Out Your Credit in Adelaide?
Join thousands of Adelaide families who've taken back control of their credit.