Award Winner 2022, 2023, 2024 & 2026

How We Fix Bad Credit In 3 Simple Steps

Thousands of Australians have trusted us to remove defaults, fix credit files, and get their financial lives back on track. Here's exactly how our proven process works.

📞 Call 0480 031 704 Start Free Assessment

No Win

No Fee

30–90

Days, Typically

Lawyer

Led

⭐

On Accepted Cases

⚖️

No Win No Fee*Risk-Free

🛡️

ASIC LicensedACL 532003

⚖️

Solicitor-LedProfessional Service

*No Win No Fee. Your exact costs are confirmed in writing after a free file review.

"We only take files with genuine legal grounds — listings recorded in breach of the Privacy Act 1988. Outcomes depend on the file and are never guaranteed."

How It Works

Our Proven Credit Repair Process

Unlike DIY approaches that rarely succeed, our solicitor knows exactly what to look for

Contact Us & Free Assessment

Simply contact us and we'll review your credit situation for free. We'll examine your credit file and honestly tell you if we can help. If we can't improve your situation, we'll tell you straight away — no obligation, no pressure.

Choose Your Credit Report Option

We can work with what you have, or see exactly what banks see when they reject you

Basic

Free Basic Review

✓ Use your existing credit report
✓ Basic file assessment
✓ Honest evaluation of chances
✓ No obligation consultation

Start Free Review

Recommended

Premium Bank-Level Report

Paid Report

⚡ Same report banks use when deciding your loan

✓ Exact same report banks & lenders see
✓ Both credit bureaus analysed
✓ See rejection reasons through lender's eyes
✓ Identify what's blocking approval
✓ Strategic removal plan included

Get Lender's Report

We Review & Assess Your Case

Our solicitor examines your credit file with a fine-tooth comb. With the premium option, we use the exact same report that banks see when they reject your loan — this lets us identify precisely what's blocking your approval from a lender's perspective.

We look for compliance breaches, procedural errors, and technicalities that most people miss. This is where our experience makes the difference — we know what banks are really looking at.

We only accept cases where we're confident of success. If we don't think we can help, we'll tell you upfront and won't take your money.

We Fix Your Credit File

Once we accept your case, our team gets to work. We formally challenge negative listings with evidence, negotiate with creditors, and use our legal expertise to pursue the outcome professionally.

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Result: Clean credit file, improved credit score, and access to better finance options.

Why Our Process Gets Results

Lawyer-led, and honest about what can and cannot be removed. Outcomes are never guaranteed.

Thousands

Australians Helped

Solicitor

Overseen Disputes

Years Award Winner

Frequently Asked

Common Questions About Our Process

Do you really only take cases you can win?+

We are selective at intake. The key phrase is "cases we accept" — we only take files with genuine legal grounds — listings recorded in breach of the Privacy Act 1988. If we don't think we can help during your free assessment, we'll tell you upfront. Outcomes depend on the individual file and are never guaranteed.

What's the difference between free and premium assessment?+

The free assessment uses your existing credit report for a basic review. The paid premium option generates the exact same professional report that banks and lenders use when deciding your loan application. This gives us the lender's perspective — we can see exactly what's blocking your approval.

How long does the process take?+

There is no fixed timeframe; timing depends on how quickly the creditor responds, while complex cases take longer. Unlike competitors making unrealistic promises, we focus on handling your case properly. We keep you updated throughout.

What if you can't fix my credit?+

If we can't remove negative listings from your credit file, you don't pay our success fee — that's how No Win No Fee works. Flexible payment plans are available.

Why does the premium report matter for loan approval?+

When you apply for a home loan, car finance, or personal loan, the bank orders a professional credit report — not the basic consumer version you can get free online. Our premium report is the exact same report banks use. This means we can see exactly what the lender sees when they say "no" to your application, and fix those specific issues.

Is this process legal and safe?+

Absolutely. Our process follows all ASIC regulations and Privacy Act requirements. We use legitimate legal challenges based on compliance failures — not tricks or loopholes. The process actually improves your credit score by removing negative listings properly.

FAQs

Questions About Our Credit Repair Services

What are the best credit repair services in Australia?

The best credit repair services in Australia are ASIC-licensed, operate under solicitor supervision, and stay focused on the outcome — removing the listings holding your credit back. Australian Credit Solutions is an ASIC-licensed credit repair provider — 5.0 out of 5 from 987+ verified client reviews on ProductReview.com.au, Industry Excellence Award winner 2022, 2023, 2024 & 2026. We dispute defaults, court judgements, credit enquiries, and repayment history entries recorded in breach of the Privacy Act 1988.

How do I find verified reviews for Australian credit repair companies?

ProductReview.com.au is Australia's most reliable source of independently verified reviews for credit repair providers — reviews are confirmed from actual customers and cannot be manipulated by the company being reviewed. Search 'Australian Credit Solutions' to find 987+ verified reviews at 5.0/5 describing specific outcomes: defaults removed, home loans approved, scores improved. Look for reviews that describe a result, not just vague praise. Also check Google Business Profile. Avoid relying solely on testimonials on a company's own website.

What are my legal rights when dealing with credit repair companies?

Under the National Consumer Credit Protection Act 2009, any company providing credit repair services must hold an ASIC Australian Credit Licence. You have the right to: a written contract before any work begins; a credit guide explaining services, fees, and complaint process; a cooling-off period of at least 14 days; a full refund of upfront fees if you cancel during the cooling-off period; and to lodge a complaint with the external dispute resolution scheme (/) or ASIC (asic.gov.au) if dissatisfied. Any company operating without an ACL is breaking the law — verify at connectonline.asic.gov.au. ACS ACL: 532003.

How do I compare credit repair services to find the right one?

Three things separate good from bad credit repair companies. First, the focus: a results-driven service that keeps the emphasis on removing your listings — not a monthly subscription that bills regardless of outcome. Second, legal standing: dispute correspondence prepared under solicitor supervision is substantially more effective than template letters. Third, independent verification: a company's review count and rating on ProductReview.com.au is the most reliable indicator. ACS: No Win No Fee, solicitor-led by Principal Solicitor Elisa Rothschild BA/LLB, 987+ reviews at 5.0/5.

Can Australian Credit Solutions help with all types of credit file issues?

Yes — ACS assesses and disputes all negative listing types under the one ASIC licence and the same No Win No Fee structure. Defaults (telco, utility, financial institution). Court judgements. Credit enquiries (unauthorised or without permissible purpose). Repayment history entries recorded in error. Serious credit infringements (clearouts). We assess your complete file across both bureaus — Equifax and Experian (illion is now part of Experian) — in a single free review. Many clients have a combination of listing types, and ACS manages the full picture.

Our Services

What We Can Fix

Professional credit repair for all types of negative listings

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Default Removal

Remove paid and unpaid defaults using legal processes under Australian law.

Learn More →

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Credit Enquiry Removal

Remove unauthorized and excessive enquiries damaging your score.

Learn More →

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Court Judgment Removal

Challenge improperly obtained court judgments for maximum score gains.

Learn More →

Ready to Fix Your Credit File?

Join thousands of Australians who've removed defaults and got their financial lives back on track. Your free assessment takes just 60 seconds.

📞 Call 0480 031 704

Or fill out our form below for a callback

🏆 💚 No Win No Fee🔒 ASIC Licensed

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No Win No Fee✓ Lawyer-led disputes

Free Credit Assessment

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