Australian Credit Solutions
📞0489 265 737
ASIC Licensed ACL 532003

Rejected for a Loan Because of a Default?

We remove defaults, judgments, and enquiries that were listed incorrectly. 98% success rate. 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 5,000+ Australians who fixed their credit. 256-bit SSL secured.

1We call within 2 hours
2Free credit file review
3Clear action plan
⭐98% Success
🏆10+ Years
⚖️No Win No Fee*
🛡️ASIC Licensed
⭐
98% SuccessProven Results
⚖️
No Win No Fee*Risk-Free
🛡️
ASIC LicensedACL 532003
⚡
Fast ResultsProfessional Service

*$330 admin fee applies. No success fee if listing not removed.

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
✓ 5,000+ Clients Helped
Real Results

What Our Clients Say

★★★★★ 4.9/5 from 976+ reviews
★★★★★

“I had a default from an energy company that was preventing me from getting a home loan. Elisa and the team removed it in 3 weeks. Incredible service.”

✓ Default removed in 3 weeks
Michael S.
Melbourne, VIC
★★★★★

“Other companies told me my court judgment couldn't be removed. Australian Credit Solutions got it done. Now I'm approved for my finance.”

✓ Court judgment removed
Sarah J.
Sydney, NSW
★★★★★

“Professional, transparent and fast. They kept me updated every step of the way. My credit score jumped over 200 points.”

✓ Score improved 200+ points
David C.
Brisbane, QLD
★★★★★

“After my divorce, my ex left me with defaults on my credit file. ACS removed two defaults and I was able to refinance my home loan.”

✓ 2 defaults removed
Rachel M.
Perth, WA
★★★★★

“Had a Telstra default from 3 years ago blocking my car finance. The team challenged it under the Privacy Act and it was gone in 4 weeks. Got approved the same month.”

✓ Car finance approved
James T.
Gold Coast, QLD
★★★★★

“My credit score jumped 280 points after they removed an old Afterpay default. I was able to refinance my mortgage and save thousands in interest.”

✓ Score up 280 points
Lisa W.
Adelaide, SA
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.

⚖️
Step 2

Legal Challenge

Our solicitors lodge 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
976+
Verified Reviews
4.9/5
Average Rating
2022–2025
Award Winner
Common Questions

Frequently Asked Questions

How much does credit repair cost?+
We charge a $330 (incl. GST) administration fee at engagement, plus a success fee payable only when we successfully remove your listing. If we cannot remove your default, you do not pay the success fee. 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 Australian Financial Complaints Authority (AFCA). You can verify our licence at connectonline.asic.gov.au.
How long does it take to fix my credit?+
Most cases are resolved within 30 to 90 days, depending on complexity. Simple cases with clear compliance breaches can be resolved in as little as 3 to 4 weeks. 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. The $330 administration fee covers obtaining your credit files from Equifax, Experian, and Illion and conducting the initial legal compliance audit.
Will removing a default help me get a loan?+
Yes. Removing a single default can improve your credit score by 100 to 300 points. Many of our clients secure home loans, car finance, and business loans within weeks of having their defaults removed. 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✓ 98% Success Rate
Call NowGet Free Assessment