Question 1

What is credit restoration?

Accepted Answer

Credit restoration is the process of reviewing your credit report, identifying unfair, inaccurate, or outdated negative entries, and working to have them corrected or removed. This may include defaults, judgments, late payments, or duplicate listings that could be holding back your credit score.

Question 2

How does credit restoration work in Australia?

Accepted Answer

In Australia, your credit report is maintained by agencies like Equifax, Experian, and Illion. Our team carefully audits your file, then deals directly with creditors and reporting agencies to fix errors and challenge listings that don’t comply with the Privacy Act 1988 or Credit Reporting Code of Conduct.

Question 3

Can every negative listing be removed?

Accepted Answer

Not always. If a listing is accurate, valid, and still within its reporting period, it may have to stay. However, many listings are recorded incorrectly, unfairly, or in breach of reporting guidelines — and those can often be removed or corrected. We also negotiate directly with creditors where possible to find fair solutions.

Question 4

How long does credit restoration take?

Accepted Answer

Timeframes vary depending on your situation: Simple corrections: 2–4 weeks, Defaults: 6–12 weeks, Judgments or complex cases: 3–6 months. We’ll always give you a clear expectation during your free assessment.

Question 5

Is credit restoration legal?

Accepted Answer

Yes — absolutely. We use your rights under Australian law to dispute incorrect or unfair listings. Our work is fully compliant and regulated under our Australian Credit Licence (ACL 532003).

Question 6

How long do defaults stay on a credit report?

Accepted Answer

Defaults usually remain for 5 years from the date of listing. If you’ve paid it, the default will still show, but marked as 'paid' until it naturally expires.

Question 7

What about court judgments, bankruptcies, or serious credit infringements?

Accepted Answer

Judgments: 5 years if paid, 7 years if unpaid. Bankruptcy: 5 years from the start date, or 2 years after discharge (whichever is later). Serious credit infringements: Up to 7 years.

Question 8

Can I get a copy of my credit report?

Accepted Answer

Yes. You’re entitled to a free credit report every 12 months from each agency (Equifax, Experian, Illion). As part of our service, we’ll help you obtain and review your report so nothing is missed.

Question 9

Can late payments be removed?

Accepted Answer

If the record is wrong or recorded unfairly, yes. Even if it’s accurate, sometimes we can negotiate with creditors to have it removed as part of a settlement.

Question 10

Will credit restoration improve my credit score?

Accepted Answer

Yes. Removing incorrect or unfair listings nearly always improves your score. A stronger credit profile gives you better access to loans, mortgages, and financial opportunities.

Question 11

What services do you provide?

Accepted Answer

We specialise in: Credit restoration (removing or correcting defaults, judgments, and unfair listings), Credit report reviews and personalised guidance, Debt negotiation and settlement support, Long-term strategies for rebuilding your credit health.

Question 12

How much does it cost?

Accepted Answer

The cost depends on the complexity of your case. We provide: A free assessment up front, Fixed, transparent pricing (no hidden fees), Flexible payment plans, so you don’t have to pay everything at once.

Question 13

Do you offer a guarantee?

Accepted Answer

Yes. If we can’t achieve any improvements on your credit file after our process, you’ll receive a refund in line with our service agreement. We believe in results, not empty promises.

Question 14

Do I have to pay upfront?

Accepted Answer

No. We offer flexible instalment plans so you can get started without financial pressure.

Question 15

How do I get started?

Accepted Answer

It’s simple: Contact us via phone, email, or our online form. We’ll request your consent to access your credit file. Our specialists provide a free, no-obligation analysis. If you’re happy, we begin the credit restoration process right away.

Question 16

Who can benefit from credit restoration?

Accepted Answer

Credit restoration helps if you’ve been: Declined for a home loan, car loan, or credit card; Impacted by defaults or judgments; Affected by identity theft or incorrect listings; Struggling with a low credit score due to unfair reporting.

Question 17

Can credit restoration help me buy a home?

Accepted Answer

Yes. Many of our clients come to us after being rejected for a mortgage. By removing harmful listings and improving your credit score, we improve your chances of loan approval at competitive rates.

Question 18

Does credit restoration clear my debts?

Accepted Answer

No. We don’t erase debts, but we can often negotiate settlements with creditors while also removing unfair listings. Our focus is ensuring your credit file reflects your situation accurately and fairly.

Question 19

Should I apply for new credit during the process?

Accepted Answer

We recommend waiting. Each application creates an inquiry on your file, which can reduce your credit score. It’s best to finish your credit restoration first.

Question 20

Why choose Australian Credit Solutions?

Accepted Answer

Licensed & regulated – we hold Australian Credit Licence 532003. Proven experience – years of successful outcomes across Australia. Transparent & ethical – fixed fees, no hidden costs, no false promises. Personalised service – we understand every credit file is unique.

Question 21

Is my information secure?

Accepted Answer

Yes. We comply with the Privacy Act 1988 and use secure, encrypted systems. Your information is never shared with third parties without your consent.

Question 22

What if my issue can’t be fixed?

Accepted Answer

If a listing is 100% accurate and legally compliant, it has to stay until it expires. In that case, we’ll guide you with strategies to rebuild your score and prepare for the future.

Question 23

Are you licensed to provide credit restoration services in Australia?

Accepted Answer

Yes. Australian Credit Solutions is fully licensed and holds Australian Credit Licence (ACL) Number 532003, issued by the Australian Securities and Investments Commission (ASIC). This means we: Are legally authorised to provide credit restoration services nationwide; Must meet strict compliance obligations set by ASIC; Are accountable to the Australian Financial Complaints Authority (AFCA), giving you an extra layer of protection if you ever need external dispute resolution.

Question 24

Can I restore my credit myself?

Accepted Answer

Yes, you can try — but the process can be complex, time-consuming, and frustrating. Most people come to us because we know exactly how to deal with creditors and credit agencies, saving months of effort and increasing the chances of success.

Question 25

Do you offer debt consolidation loans?

Accepted Answer

No, we don’t provide loans. However, once your credit is restored, we can connect you with trusted brokers and lenders who may be able to assist.

Question 26

How do I contact you?

Accepted Answer

📞 Phone: 0489 265 737 
✉️ Email: help@australiancreditsolutions.com.au 
🌐 Website: https://www.australiancreditsolutions.com.au.

Frequently Asked Questions

🔧About Credit Restoration

📊About Credit Reports

🤝About Our Services

📈Eligibility & Impact

✅Trust & Compliance

💬Other Common Questions