Credit Repair Tasmania — Remove Defaults & Get Approved
Bad Credit Holding You Back, Tassie? Let's Sort It Out.
Australian Credit Solutions Tasmania is the Apple Isle's trusted credit repair service. Our legal team has helped hundreds of Tasmanians remove defaults and get approved for home loans, car finance, and business lending. With a 98% success rate, we're Tasmania's most trusted choice for fixing bad credit.
Tasmania's property market has exploded. Don't let a default stop you from buying your first 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.
Tasmania's Trusted Credit Repair Specialists
Let's have an honest yarn about what's happened to Tasmania. For decades, this was the place mainlanders joked about. Then COVID hit, remote work took off, and suddenly every mainlander with a laptop realised they could sell their Sydney shoebox for a million bucks and buy a house with a view in Tassie. The secret's well and truly out, and local families are paying the price.
Here's the brutal reality: Tasmania now has mainland house prices but still has the lowest wages in Australia. The average Tassie income is about $15,000-$20,000 less than the national average, yet Hobart's median house price has hit $750,000. Young Tasmanians are being forced to choose between leaving the state they love or renting forever.
Tasmania property reality: Hobart's median house price has climbed to around $750,000 — more than tripling in a decade. Even Launceston has hit $550,000, and regional centres like Devonport and Burnie are pushing $450,000-$500,000. A default on your credit file pushes you into "bad credit" loans charging 2-4% higher interest.
That's where we come in. Our legal team properly investigates whether the bank, telco, or whoever actually followed the rules when they listed your default. If they stuffed up anywhere — and mate, they do it constantly — we can often get that default removed completely.
Credit Challenges Facing Tasmanian Families
We understand the unique pressures Tasmanians face
Housing Affordability Crisis
House prices have tripled while wages have barely moved. Young Tasmanians who grew up here are being priced out of their own communities.
Lowest Wages in Australia
Tasmania consistently has the lowest average wages in Australia — about $1,200-$1,500 per week compared to $1,600+ nationally.
Seasonal Tourism & Hospitality
Tourism is massive for Tasmania but it's seasonal. Summer is pumping, winter can be dead. Many operators carry defaults from COVID.
Island Isolation Costs
Living on an island has hidden costs. Everything that comes across Bass Strait costs more — groceries, fuel, building materials, cars.
Defaults We Remove For Tassie Clients
We successfully remove defaults from Australia's biggest banks and credit providers
What Tasmanians Are Saying
Real results from real Tassie families
"Three years of getting smashed by mainlanders at every auction. When we finally got one, a COVID default nearly killed it. ACS found the lender hadn't done the right thing. Wiped quickly."
"I worked through the whole pandemic, double shifts, keeping people alive. My reward was three defaults from my ex's spending. ACS found all three lenders had cut corners. Every default gone."
"Twelve years of renting, watching every mainlander with money buy up the North-West while I stayed stuck. ACS got it wiped in three weeks. New ute arrived, house hunting now."
Credit Repair Across All of Tasmania
We help Tasmanian families from Hobart to the North-West and everywhere in between
Hobart & Greater Hobart
Hobart CBD, Sandy Bay, Battery Point, North Hobart, South Hobart, Glebe, Lenah Valley, Taroona
Hobart Northern Suburbs
Glenorchy, Moonah, Lutana, Derwent Park, Montrose, Rosetta, Berriedale, Claremont
Hobart Eastern Shore
Bellerive, Howrah, Rokeby, Tranmere, Lauderdale, Seven Mile Beach, Lindisfarne
Kingston & Southern
Kingston, Kingston Beach, Blackmans Bay, Margate, Snug, Kettering, Huntingfield
Launceston & Surrounds
Launceston CBD, East Launceston, Trevallyn, Riverside, Kings Meadows, Mowbray, Newnham
North-West Coast
Devonport, Latrobe, Ulverstone, Penguin, Burnie, Somerset, Wynyard, Smithton
How It Works for Tasmanians
Simple, transparent, and effective
Free Assessment
We review your credit file and identify removable listings at no cost.
Legal Audit
Our legal team investigates whether creditors followed proper process.
Challenge Sent
We lodge formal disputes with credit providers and bureaus.
Listing Removed
Successful removal - your credit score improves immediately.
Credit Repair FAQs for Tasmanians
Straight answers for the Apple Isle
Depends on complexity and who we're dealing with. Straightforward cases with clear compliance failures — missing notices, ignored hardship, wrong addresses — typically wrap in 2-3 weeks. Our fastest Tassie result was 15 days for a Kingston family. More complicated situations with multiple defaults might take 5-6 weeks. We'll give you a straight estimate once we've reviewed your file.
Too bloody right it will. Those mainland buyers arriving with Sydney or Melbourne equity have squeaky clean credit and pre-approvals that make local families look underdone. If you've got a default dragging down your borrowing power, you're not even in the race. Removing defaults boosts your score, increases borrowing capacity, and unlocks better rates.
We get it — the wage gap is real and it hurts. That's why we keep our upfront cost to just $330, and the success fee only kicks in when we've removed the listing. Most Tassie clients find it pays for itself quickly through lower interest rates. On a $500k mortgage, getting out of 'bad credit' rates can save you $250-$400 a month.
Often, yes — and we've had strong results here. Tasmania's tourism industry got absolutely hammered during COVID. Cruise ships stopped, borders closed, hotels emptied. During that period, lenders were legally required to properly assess hardship applications. Many didn't — especially with casual hospitality workers. If they cut corners, we can usually get those defaults removed.
$330 upfront for investigation and case work. Success fee on top — but only when we've removed the listing. If we don't get it off your file, you don't pay that part. Tassie families are dealing with enough — we're not charging for results we didn't deliver.
Nah mate, everything runs remotely. Phone, email, secure document upload. We've got clients from Smithton to St Helens, from Queenstown to Kingston. No need to travel or take time off work.
Absolutely. The Bass Strait premium is real — everything costs more in Tassie. That's why having the lowest possible interest rate matters even more here. Removing defaults means better rates, which means more money staying in your pocket instead of going to the banks.
Basically anything on a credit file. Phone contracts, energy bills (Tassie winters are freezing), credit cards, personal loans, car finance, Afterpay, Zip, business debts, supplier accounts — all fair game. We've helped tourism workers, tradies, nurses, fishers, orchardists, and families across Tasmania.
Completely. The Privacy Act 1988 gives you the right to challenge credit listings that are inaccurate or weren't reported according to the Credit Reporting Code. That's federal law, not a trick. We're ASIC licensed (ACL 532003) and AFCA registered. The banks have teams of lawyers — now you've got someone in your corner too.
Quick online form — about a minute. We pull your credit file to see what's there, then give you a bell to walk through it. That conversation costs nothing and there's no obligation. Heaps of Tassie clients discover stuff they didn't know was listed — old debts, defaults sent to addresses they'd moved from years ago.
Ready to Fix Your Credit in Tasmania?
Join Tassie families from Hobart to the North-West who've taken back control of their credit.