Credit Repair Melbourne — Remove Defaults & Get Loan Approved Fast
Rejected For a Home Loan in Melbourne? We Fix That.
Based in the heart of Melbourne CBD on Collins Street, Australian Credit Solutions has helped thousands of Victorians remove defaults and fix their credit files. With a 98% success rate, we're Melbourne's most trusted choice for fixing bad credit.
Melbourne's property market is competitive. Don't let a default stop you from buying your dream home.
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.
Melbourne's Most Trusted Credit Repair Service
Based in the heart of Melbourne CBD on Collins Street, Australian Credit Solutions has helped thousands of Victorians remove defaults and fix their credit files since 2015.
Whether you've been rejected for a home loan in Toorak, South Yarra, or Brighton, or need help with a car finance application in the Eastern or Western suburbs, our Melbourne-based legal team understands the local market and what Victorian lenders look for.
Did you know? Melbourne has one of Australia's most competitive property markets. A single default on your credit file can mean the difference between approval and rejection for your dream home. Our 98% success rate means we can help.
We've successfully removed defaults from all major Australian lenders including Westpac, ANZ, CommBank, NAB, and many more. Our Melbourne office handles cases from across Victoria, from the CBD to regional areas like Geelong, Ballarat, and Bendigo.
Defaults We Remove For Melbourne Clients
We successfully remove defaults from Australia's biggest banks and credit providers
That Default Is Blocking Your Melbourne Property Dreams
Melbourne's property market is competitive. Don't let bad credit hold you back.
Melbourne Home Loan Rejection
Melbourne property prices mean even small defaults can block your mortgage approval. We've helped clients buy in Fitzroy, Richmond, and across Melbourne.
Higher Interest Rates
Bad credit in Victoria means you pay thousands more in interest. Let us fix your file and save you money on your next loan.
Car Finance Problems
Need a reliable car to commute on the M1 or Monash? Defaults make car finance difficult. We can help clear your file.
Rental Applications
Melbourne's rental market is tough. A clean credit file helps secure your next apartment in the inner suburbs.
How We Fix Your Credit in Victoria
Comprehensive credit repair solutions for Melbourne residents
Default Removal
We challenge and remove paid and unpaid defaults from your credit file using legal processes under Australian law.
Learn MoreCourt Judgments
Remove CCJs and court judgments listed by Victorian courts that are preventing you from accessing finance.
Learn MoreCredit Enquiries
Too many enquiries from Melbourne lenders damaging your score? We can help clean up your enquiry history.
Learn MoreWhat Our Melbourne Clients Say
Real results from real Victorians
"After being rejected by 3 Melbourne banks, I found Australian Credit Solutions. They removed my Telstra default and I just bought my first home in Footscray!"
"The team at ACS helped me remove an old GE Money default that was 4 years old. Now I've refinanced my South Yarra apartment and saved $400/month!"
"I run a small business in Brunswick and needed a business loan. ACS cleared my credit file quickly. Professional, fast, and they actually deliver results."
How It Works for Melbourne Clients
Simple, transparent, and effective
Free Assessment
We review your credit file and identify removable listings at no cost.
Legal Audit
Our Melbourne legal team prepares challenges based on Privacy Act breaches.
Challenge Sent
We lodge formal disputes with credit providers and bureaus.
Listing Removed
Successful removal - your credit score improves immediately.
Frequently Asked Questions
Everything you need to know about credit repair
Ready to Fix Your Credit in Melbourne?
Get your free assessment today. No obligation, no credit impact.