*No Win No Fee. Your exact costs are confirmed in writing after a free file review.
Real, verified reviews from Australians who came to us stressed about their credit — in their own words
“It's beyond words the awesome help I've gotten from you. I'm a grown man on the verge of tears because I'm so happy with the outcome. I thank you all from the bottom of my heart.”
“I was unsure if credit repair would actually work, but Angelie proved me wrong. Two defaults removed and I'm officially home loan ready. If you're on the fence or feeling stressed about your credit, I'd highly recommend reaching out to her.”
“They successfully removed my default, which I honestly didn't think was possible. Karla and Erica were amazing throughout the whole process — they kept me informed, explained everything clearly, and were very supportive.”
“From the very beginning they were professional, understanding, and made the entire process feel manageable instead of overwhelming. A special thank you to my consultant Angelie, who went above and beyond to guide me every step of the way.”
“A little mistake from the past got me into big trouble, but Australian Credit Solutions helped me from the start right through to the end. Thank you again — it means a lot to me.”
“I can't thank the team enough for removing a default from my credit file. They were patient, professional, and genuinely cared about my situation. The whole process was clearly explained and handled smoothly from start to finish.”
“They were able to remove my default in just one day, and now my repayment history is clear. I'm so excited to finally move forward with my car loan. Highly recommend their fast and professional service!”
“They made what felt like a daunting situation so much easier to navigate. Thanks to their expertise, my credit score is now in great shape and I can finally move forward with confidence. Highly recommend.”
“Sheina was great and amazing throughout the entire process. I tried different companies before, but Australian Credit Solutions was by far the best. The whole team was professional, supportive, and made everything easy.”
“Sherlyn and Erica were amazing to work with — very professional and always kept me updated. They successfully removed negative listings from my credit file, and the results have made a huge difference for me.”
“Thanks to their hard work, two defaults were successfully removed from my credit file. Vanessa and Angelie were professional, supportive, and kept me informed throughout the process. I'd highly recommend their services.”
“Thank you so much, Vanessa and the team, for understanding me. I really love your service, and hopefully my credit score will be on top soon. Amazing service — highly recommended!”
Reviews are genuine and unedited except for length. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
Reviews are shown as posted by clients on Google and ProductReview.com.au. Individual results vary — outcomes depend on your circumstances and the legal grounds in your file.
Elisa Rothschild, Principal Lawyer & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. She brings 12+ years experience, and Australian Credit Solutions holds ASIC ACL 532003.
Completing a Part IX debt agreement takes discipline and sacrifice. Now it's time to make the most of your fresh start.
By completing a debt agreement instead of bankruptcy, you've chosen a 2-year recovery timeline instead of 5 years. That's 3 years earlier access to mainstream credit!
Unlike bankruptcy, completing a debt agreement demonstrates you took responsibility for your debts and worked to pay them back. Lenders respect this commitment.
Your debt agreement notation disappears 2 years after completion. The sooner we optimize your file, the faster you'll access competitive rates.
While bankruptcy survivors wait 5 years, you'll be accessing home loans, business finance, and premium credit products years ahead.
Many people waste months after completion not knowing how to optimize their recovery. Every month of delay costs you better rates.
You've proven you can manage debt responsibly. Now let's ensure your credit file reflects your true financial recovery story.
Completing your debt agreement is just the beginning. Strategic optimization accelerates your credit recovery significantly.
The Part IX notation remains on your credit file for 2 years from completion, affecting your score and lender perceptions.
All debts included in your Part IX show this notation, which can look worse than reality.
Part IX notations typically suppress scores to 400-550 range, limiting access to premium products.
Credit bureaus often make errors - wrong completion dates, incorrect amounts, or debts that shouldn't be listed.
Many lenders are hesitant about Part IX notations, requiring strategic application approaches.
The 2-year window passes quickly. Optimizing your file early maximizes your recovery.
Our proven approach maximizes your credit recovery during and after the 2-year Part IX period
Comprehensive review for debt agreement reporting accuracy - completion dates, amounts, and compliance.
Ensure all listings comply with Privacy Act requirements and challenge errors or non-compliant entries.
Proven strategies to rebuild credit during the 2-year period - appropriate products and techniques.
Strategic planning for when your notation disappears - preparing for mainstream credit access.
Our Principal Solicitor brings 10+ years of debt agreement and consumer credit law experience.
We specialize in maximizing the 2-year Part IX recovery window.
We work exclusively with clients who have completed their debt agreements.
Award-winning company with specific expertise in debt agreement recovery.
Full Australian Credit License (ACL 532003) with strict compliance standards.
Specific timelines and milestones tailored to your completion date and goals.
A: Immediately! Starting within 30-60 days of completion is optimal for maximizing your 2-year recovery window. Clients who delay often waste 6-12 months.
A: Debt agreements have a 2-year notation period vs 5 years for bankruptcy. This gives you 3 years earlier access to mainstream credit plus better lender perception.
A: Challenging but not impossible. Some specialist lenders consider applications 12-18 months after completion for borrowers with stable income and rebuilt credit.
A: During the 2-year period, scores typically range 450-600. Once the notation disappears, 650-750+ is achievable within 6-12 months with proper strategy.
A: Only debts actually included should show this notation. If you paid some debts in full outside the agreement, these may be incorrectly reported and correctable.
A: The Part IX notation automatically disappears. However, individual debt listings may remain longer if they have their own 5-year reporting periods.
You've completed the hard work. Now let's optimize your credit file for a stronger recovery.
Remove defaults from your credit file legally
Learn More →Challenge and remove court judgements
Learn More →Remove paid defaults that still appear
Learn More →Clean up multiple defaults at once
Learn More →Remove excessive credit enquiries
Learn More →Fix negative repayment history codes
Learn More →