Australian Credit Solutions
📞0480 031 704
ASIC Licensed ACL 532003

Rejected for a Loan Because of a Default?

We remove defaults, judgments, and enquiries that were listed incorrectly. No Win No Fee.

Accepting new assessments — limited spots this week

Check If Your Default Can Be Removed

Free, no-obligation assessment. Takes 2 minutes.

⚡ Average response time: under 2 hours
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Join thousands of Australians who fixed their credit. 256-bit SSL secured.

1We call you back
2Free credit file review
3Clear action plan
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🏆10+ Years
⚖️No Win No Fee*
🛡️ASIC Licensed
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On Accepted Cases
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No Win No Fee*Risk-Free
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ASIC LicensedACL 532003
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Solicitor-LedProfessional Service

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

Our Clients Go On to Bank With

WestpacCommonwealth BankANZNABSt George
Meet Our Director

Your Fresh Start Begins With Expert Help

Elisa Rothschild, Principal Solicitor & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. With 10+ years experience and ASIC licensing (ACL 532003), you're in expert hands.

✓ BA/LLB Qualified Lawyer
✓ ASIC Licensed ACL 532003
✓ Thousands of Clients Helped
Sound Familiar?

Defaults Affect Every Part of Your Life

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Home Loan Rejected

Banks decline you instantly when they see a default on your file.

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Car Finance Denied

Even a small default from years ago can block car finance approval.

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Higher Interest Rates

Bad credit means you pay thousands more in interest over the life of a loan.

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Phone Plan Refused

Telco and utility companies check your credit before approving contracts.

The Good News?

Many defaults are listed incorrectly. If your credit provider breached the Privacy Act 1988 when listing the default, we can have it removed — regardless of whether the debt was paid or not.

How It Works

3 Simple Steps to Clean Credit

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Step 1

Free Assessment

Submit your details above. We pull your credit file and identify every listing that can be challenged.

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Step 2

Legal Challenge

Our solicitor lodges formal disputes under the Privacy Act 1988 with credit providers and bureaus.

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Step 3

Default Removed

The listing is removed from your credit file. Your score improves. You can apply for finance with confidence.

10,000+
Credit Files Reviewed
987+
Verified Reviews
5.0/5
Average Rating
2022, 2023, 2024 & 2026
Award Winner
Common Questions

Frequently Asked Questions

How much does credit repair cost?+
We start with a free assessment. It's No Win No Fee — flexible payment plans are available. We give you your exact cost in writing after we've reviewed your file. No hidden costs, no ongoing monthly fees.
Is this legitimate? Are you licensed?+
Yes. Australian Credit Solutions holds ASIC Australian Credit Licence ACL 532003. We are led by Elisa Rothschild, a qualified BA/LLB lawyer, and are a member of the external dispute resolution scheme. You can verify our licence at connectonline.asic.gov.au.
How long does it take to fix my credit?+
There is no fixed timeframe; timing depends on how quickly the creditor responds and the complexity of the file — never a promise. We handle all communication with credit providers and bureaus on your behalf.
What can actually be removed from my credit file?+
We can remove defaults, court judgments, credit enquiries, and repayment history entries that were listed in breach of the Privacy Act 1988 or Credit Reporting Code. Common grounds include failure to send proper notices, incorrect amounts, and procedural errors by the credit provider.
What does No Win No Fee actually mean?+
It means if we take on your case and cannot remove the listing from your credit file, you do not pay our success fee. We start with a free assessment that includes obtaining your credit files from Equifax and Experian (illion is now part of Experian) and conducting the initial legal compliance audit, and we give you your exact cost in writing after we've reviewed your file.
Will removing a default help me get a loan?+
It can. Removing an incorrectly listed default can improve your credit score. A clean credit file opens up access to mainstream lenders with competitive rates.

Stop Letting Bad Credit Control Your Life

Thousands of Australians have restored their credit with us. Your free assessment takes less than 2 minutes.

Check My Credit Now →
✓ No Win No Fee✓ ASIC Licensed✓
Call NowGet Free Assessment