Real reviews from real Australians who fixed their credit with us
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.
Every default on your credit file costs you thousands in higher rates and rejected applications
Medical bills, car repairs, urgent home fixes — when life hits hard, bad credit leaves you stranded.
While others get 4.99% personal loans, you're forced into predatory rates above 20%. That's $4,400 more on a $20,000 loan.
Multiple credit cards at 19-24% are bleeding you dry. You need a personal loan to consolidate — but bad credit blocks every application.
Your kitchen needs a remodel, the roof needs fixing, but without affordable personal loans, your home improvement dreams are stuck.
Defaults stay on your credit file for 5 years. That's 5 years locked out of competitive rates — unless you take action now.
Want to upskill or pay for education? Personal loans fund life-changing opportunities — but bad credit slams the door shut.
Our proven 3-step process removes defaults and unlocks competitive personal loan rates
We identify and challenge every default, late payment, and enquiry dragging down your credit score.
Watch your credit score climb by 100-300 points as we clear negative marks.
Transform from 20%+ predatory rates to premium 4.99%-7.99% personal loans from major banks.
Once clean, get approved for larger amounts at better rates — often within 24-48 hours.
Here's exactly how we get you approved for the personal loan you need
We pull your credit report and identify exactly what's blocking your personal loan approval. Takes 60 seconds.
Our lawyers challenge every removable default, late payment, and enquiry using proven legal strategies.
Track your credit score improvement in real-time as defaults disappear and borrowing power increases.
Once clean, we guide you to the best personal loan options and help optimize your application for approval.
Recognised as Australia's leading credit repair company 3 years running (2022, 2023, 2024).
Our principal lawyer, Elisa Rothschild, brings 15+ years of consumer credit law experience.
You only pay when we successfully remove defaults. No upfront costs, no hidden fees.
We understand specific requirements for debt consolidation, emergency funds, home improvements.
Full Australian Credit License (ACL 532003) means strict compliance and professional standards.
Most clients see improvements quickly. Many get pre-approval even sooner as defaults disappear.
A: Yes, but you'll face higher rates and limited options. Most lenders require scores above 600. With our service, we remove defaults to unlock better rates from major banks.
A: Our process typically takes 60-90 days. However, many clients see improvements within 30-45 days that help with pre-approvals.
A: For best rates (4.99%-7.99%), you need 700+. Scores 600-699 get moderate rates (8%-15%). Below 600 faces rejection or 20%+ rates.
A: Amounts range from $2,000 to $100,000. With bad credit, you might only get $5,000-$15,000 at high rates. After repair, many access $25,000-$50,000+.
A: Absolutely! Consolidating $25,000 of credit card debt (19-24%) into a personal loan (4.99%-9.99%) typically saves $200-400 per month.
A: Once clean, approval is typically 24-48 hours with online lenders, or 3-5 days with traditional banks.
Start your credit repair today and unlock 4.99% rates for debt consolidation, emergency funds, and life goals
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 →