*No Win No Fee. Your exact costs are confirmed in writing after a free file review.
Real, verified reviews from Australians who came to us stressed about their credit — in their own words
“It's beyond words the awesome help I've gotten from you. I'm a grown man on the verge of tears because I'm so happy with the outcome. I thank you all from the bottom of my heart.”
“I was unsure if credit repair would actually work, but Angelie proved me wrong. Two defaults removed and I'm officially home loan ready. If you're on the fence or feeling stressed about your credit, I'd highly recommend reaching out to her.”
“They successfully removed my default, which I honestly didn't think was possible. Karla and Erica were amazing throughout the whole process — they kept me informed, explained everything clearly, and were very supportive.”
“From the very beginning they were professional, understanding, and made the entire process feel manageable instead of overwhelming. A special thank you to my consultant Angelie, who went above and beyond to guide me every step of the way.”
“A little mistake from the past got me into big trouble, but Australian Credit Solutions helped me from the start right through to the end. Thank you again — it means a lot to me.”
“I can't thank the team enough for removing a default from my credit file. They were patient, professional, and genuinely cared about my situation. The whole process was clearly explained and handled smoothly from start to finish.”
“They were able to remove my default in just one day, and now my repayment history is clear. I'm so excited to finally move forward with my car loan. Highly recommend their fast and professional service!”
“They made what felt like a daunting situation so much easier to navigate. Thanks to their expertise, my credit score is now in great shape and I can finally move forward with confidence. Highly recommend.”
“Sheina was great and amazing throughout the entire process. I tried different companies before, but Australian Credit Solutions was by far the best. The whole team was professional, supportive, and made everything easy.”
“Sherlyn and Erica were amazing to work with — very professional and always kept me updated. They successfully removed negative listings from my credit file, and the results have made a huge difference for me.”
“Thanks to their hard work, two defaults were successfully removed from my credit file. Vanessa and Angelie were professional, supportive, and kept me informed throughout the process. I'd highly recommend their services.”
“Thank you so much, Vanessa and the team, for understanding me. I really love your service, and hopefully my credit score will be on top soon. Amazing service — highly recommended!”
Reviews are genuine and unedited except for length. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
Reviews are shown as posted by clients on Google and ProductReview.com.au. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
Elisa Rothschild, Principal Lawyer & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. She brings 12+ years experience, and Australian Credit Solutions holds ASIC ACL 532003.
Every default on your credit file costs your business thousands in higher rates and rejected applications
Your business needs new machinery, vehicles, or equipment. But bad credit means rejection or predatory rates that destroy cash flow.
While competitors get 5.99% business loans, you're stuck with 18%+. That's $12,000 more on a $100,000 equipment loan.
Cash flow gaps, seasonal fluctuations, urgent expenses — bad credit leaves you scrambling for expensive alternatives.
Ready to hire staff, open new locations, or scale? Business growth requires capital. Bad credit keeps expansion dreams locked.
Defaults stay for 5 years. That's 5 years of your business being starved of affordable capital during critical growth.
Commercial property, office leases, warehouse space — even business premises require good credit.
Our process disputes incorrectly listed defaults so you can pursue competitive business finance rates
We challenge every default, court judgment, and enquiry dragging down your credit score.
Watch your score climb as we optimize your profile for business lending.
Work towards mainstream business loan rates and larger amounts once incorrect listings are removed.
With incorrect listings corrected, business lenders assess you on your actual record, not a mistake.
Machinery, vehicles, technology
Cash flow, operational expenses
Property purchases, refinancing
Flexible access facilities
Growth capital, new locations
Accounts receivable funding
lawyer-led credit repair company. We understand equipment finance, working capital, and commercial lending.
Our principal lawyer brings 15+ years of commercial credit law experience.
Free assessment first. Flexible payment plans are available. Your exact cost is confirmed in writing.
We understand specific requirements for equipment finance and commercial facilities.
Full Australian Credit License (ACL 532003) with strict compliance standards.
Tell us about your finance deadline and we will prioritise lodging your disputes. Timeframes still depend on how each creditor responds.
A: Most business loans under $100,000 require personal guarantees. Scores below 600 typically mean rejection or 15%+ rates. Where personal defaults were listed incorrectly, we dispute them so you can apply for mainstream rates (5.99%-9.99%).
A: There is no fixed timeframe; it depends on how quickly each creditor responds. Outcomes are never guaranteed.
A: For best rates (5.99%-8.99%), you need 700+. Scores 600-699 get 9%-15%, below 600 faces rejection or 18%+ rates.
A: Equipment finance: $10K-$1M+. Working capital: $5K-$500K. With bad credit: $20K-$50K. After an incorrect listing is removed, larger amounts at competitive rates may become available.
A: For larger loans ($100K+), business credit helps. But most SME lending still relies on personal credit scores and guarantees.
A: Absolutely. Commercial property requires excellent credit for best rates (6.5%-8.5%). We've helped many owners access commercial mortgages.
Start your business credit repair today and unlock equipment finance, working capital, and expansion funding
Find out if we can fix your credit for business loan approval — takes 60 seconds
Remove defaults from your credit file legally
Learn More →Challenge and remove court judgements
Learn More →Remove paid defaults that still appear
Learn More →Clean up multiple defaults at once
Learn More →Remove excessive credit enquiries
Learn More →Fix negative repayment history codes
Learn More →