Credit Repair Canberra ACT
Canberra's leading credit repair specialists. Remove defaults from your credit file in 2-8 weeks. Award-winning service 2022-2024.
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.
Get Your Credit File Fixed Fast in Canberra
You've been knocked back for a loan. A credit card. Maybe even a rental property in Braddon or Kingston.
Not because you can't afford it. Not because you don't have the income. But because there's a default sitting on your credit file from years ago — destroying every application you make.
Maybe it's an old Telstra bill from when you moved from Civic to Belconnen. A personal loan default from 2020. A utility bill you never knew existed when you left that share house in Tuggeranong.
Whatever it is, that mark is costing you opportunities every single day in Australia's capital.
Here's the truth most Canberrans don't know: defaults can be removed from your credit file — legally, permanently, often within 2-8 weeks.
We've helped hundreds across Canberra, Queanbeyan, and the ACT get defaults wiped from their credit reports and reclaim their financial freedom.
Why Canberrans Choose Australian Credit Solutions
Award-Winning Expertise
Recognized as Australia's #1 credit repair service three years running (2022, 2023, 2024). Not a call center or franchise.
Local Knowledge
We understand Canberra: Commonwealth employee credit challenges, APS salary packaging, Defence force issues, and the competitive rental market.
No Win, No Fee
We only charge a success fee when we actually remove items from your credit file. If we don't get results, you don't pay the success fee.
Fast Results
Most Canberra credit repair cases resolve in 2-8 weeks, not months or years. Get approved for that home loan in Gungahlin or rental in Dickson.
ASIC Licensed
We operate under ACL 532003 (Australian Credit License). Everything we do is 100% legal under the Privacy Act 1988.
Canberra-Friendly Service
Phone/video consultations, fast response times, direct contact with your case manager. No automated systems or offshore call centers.
What We Remove From Your Canberra Credit File
Defaults (Paid or Unpaid)
- Telco defaults — Telstra, Optus, Vodafone
- Utility defaults — ActewAGL, electricity, gas, water
- Credit card defaults — CBA, NAB, Westpac, ANZ
- Personal loan defaults — Banks and online lenders
- Buy Now Pay Later — Afterpay, Zip Pay, Klarna
- Medical debts — Hospital bills, specialist fees
- Rental arrears — Old tenancy debts
Court Judgments
- ACT Magistrates Court judgments
- Federal Court judgments
- Satisfied judgments still showing on file
Other Credit File Errors
- Incorrect repayment history codes
- Late payments you made on time
- Accounts you didn't authorize
- Duplicate listings
- Fraudulent credit enquiries
If it's on your credit file and it shouldn't be there — we can fight to remove it.
Our Proven 3-Step Canberra Credit Repair Process
Free Credit File Assessment (60 Seconds)
Complete our quick online form. We pull your credit reports from all three major bureaus (Equifax, Experian, Illion).
Within 24-48 hours, we identify what's hurting your score, which items can be removed, timeline, and costs.
Strategic Dispute & Legal Challenge
We lodge legally-backed disputes with credit bureaus and creditors, citing specific violations of the Privacy Act 1988 and Credit Reporting Code.
This isn't a DIY template letter. This is professional legal strategy backed by 10+ years of experience.
Removal, Verification & Score Recovery
We verify removal across all three bureaus and provide updated credit reports showing your clean file.
Your credit score recovers — often 100-300 points within 4-8 weeks. Apply for credit with confidence.
Most Canberra cases resolve in 2-8 weeks from start to finish.
James's First Home Purchase
The Problem
James, a 29-year-old APS employee (APS 6 level) working in Russell, was ready to buy his first apartment in Gungahlin. He'd saved a $65,000 deposit and had stable Commonwealth employment.
He applied for a home loan with his bank — rejected within 48 hours.
The issue? Two defaults on his credit file:
- $720 Telstra bill (2021) — from when he moved from Civic to Ainslie
- $1,400 Afterpay default (2020) — disputed charges he thought were resolved
His credit score: 509 — well below the 620+ most banks require.
The Solution
We identified clear grounds for removal:
Telstra default: No proper notice sent to James's updated address — breach of Section 21 of the Privacy Act.
Afterpay default: Listed while James was actively disputing the charges — violation of Credit Reporting Code.
We lodged aggressive disputes with all three bureaus and the creditors.
The Outcome
James reapplied for his home loan — approved in 9 days.
Today, James owns a 2-bedroom apartment in Gungahlin with views of the Brindabellas.
Ready to buy property in Canberra?
Why Credit Repair Matters in Canberra's Competitive Market
Expensive Property Market
Median house price in Canberra: $900,000+ (2024). Median unit price: $550,000+.
With property prices this high, you need mortgage approval. A single default can destroy your home loan application.
Competitive Rental Market
Vacancy rates in Canberra are often under 1% — one of the tightest in Australia.
Property managers run credit checks. Defaults mean getting knocked back for rentals in Braddon, Kingston, and Civic.
Commonwealth Employment
Many Canberrans work for the Commonwealth (APS, Defence, AFP). Some roles require credit checks or security clearances.
A messy credit file can delay or prevent security clearance approval.
High Income, High Living Costs
Canberra has Australia's highest household incomes — but also high living costs. It's easy to accumulate debts that go into default.
A clean credit file is essential for getting better interest rates and consolidating debt.
Canberra Suburbs We Service
We help residents across all of Canberra and the ACT region:
North Canberra
Braddon, Turner, Lyneham, O'Connor, Dickson, Ainslie, Watson, Hackett, Downer
South Canberra
Kingston, Barton, Griffith, Narrabundah, Red Hill, Manuka, Deakin, Yarralumla
Central Canberra
Civic (City), Acton, Parkes, Russell, Campbell
Belconnen
Belconnen Town Centre, Bruce, Cook, Hawker, Weetangera, Page, Scullin, Macquarie, Dunlop
Woden Valley
Woden, Phillip, Curtin, Lyons, Chifley, Pearce, Torrens, Hughes
Tuggeranong
Tuggeranong Town Centre, Greenway, Kambah, Wanniassa, Calwell, Richardson, Isabella Plains, Bonython
Gungahlin
Gungahlin Town Centre, Franklin, Harrison, Amaroo, Ngunnawal, Nicholls, Palmerston, Crace, Bonner, Forde, Moncrieff, Taylor
Queanbeyan & Surrounding
Queanbeyan, Jerrabomberra, Googong
If you're in the ACT or surrounding region, we can help fix your credit file remotely — no office visit required.
Free Canberra Credit Assessment — 60 Seconds
Find out if we can remove the defaults destroying your credit score. No obligations. No pressure.
Common Questions
How much does credit repair cost in Canberra?
How long does credit repair take in Canberra?
Do I need to visit your office in person?
Will credit repair help me get a home loan in Canberra?
Can you remove defaults from ACT Magistrates Court?
Can you help Commonwealth employees with security clearance issues?
What if I've already been rejected for credit multiple times?
How do I know this is legal?
Ready to Fix Your Credit File?
Every day you wait is another day that default is costing you — another loan rejection, another rental application failed, another opportunity missed.
Your financial fresh start in Canberra begins here.