*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 costs you thousands more in interest and blocks access to first home buyer benefits
You've saved for years, found the perfect first home, but every bank says NO because of defaults.
Bad credit forces you into non-bank lenders. That's $180,000 more in interest over 30 years on a $600K loan.
Most states offer $10K-$25K grants, but bad credit blocks access to eligible lenders. You're missing FREE money.
Government schemes let you buy with 5% deposit (no LMI), but require good credit. Bad credit means 20% deposit — an extra $120K.
Prices rise 5-8% annually. Every year locked out by bad credit costs you $30K-$50K more for your dream home.
Stuck paying $500-800+ weekly rent. That's $26K-$42K per year in dead money that could be building equity.
Our process disputes incorrectly listed defaults so you can pursue first home buyer benefits
We challenge every default, late payment, and enquiry blocking your home loan approval.
Watch your score climb as we optimize for first home buyer lending criteria.
Access FHOG ($10K-$25K), 5% deposit schemes, stamp duty concessions, and premium rates.
With incorrect listings corrected, you apply for pre-approval on your actual record, not a mistake.
First Home Owner Grants by State
Removing an incorrect listing can save far more than it costs. Don't let bad credit cost you nearly $400K.
A: Yes, but options are limited and expensive. Most banks require 600+ for first home buyers. Where incorrect listings are removed, major bank rates (5.89%-6.49%) and first home buyer benefits may become available.
A: Typically 60-90 days, depending on how each creditor responds. Outcomes are never guaranteed. We prioritize first home buyers because of property market timing.
A: Most FHOG grants ($10K-$25K) require approval from eligible lenders, which need good credit. After repair, you access both grants AND better rates.
A: With good credit: 5% via government schemes (no LMI). Bad credit: 20% minimum. For a $600K home: $30K vs $120K deposit.
A: The math is clear: property prices rise 5-8% annually ($30K-$50K), while credit repair typically takes 30-90 days, subject to the creditor’s response — and removing an incorrect listing can save a significant amount of interest.
A: Many first home buyers get conditional pre-approval once key defaults are removed, often within 30-45 days of starting.
Start your credit repair today and join the property market with government benefits and premium rates
Find out if we can fix your credit for home 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 →