1300 436 569

Frequently Asked Questions (FAQs)

How Credit Repair Works

What does it cost?

As a strict rule, we don’t charge application fees or any upfront holding fees for default and/or court action removals. You only pay upon confirmation that a default or court action has been removed when we send you a cleared credit report.  Part of the fee is payable once we receive written confirmation that the listing is definitely going to be removed as per our legal grounds, and then the remainder of your fee when we email you the cleared report. 6 month payment plans are available PER removal.

We don’t charge application fees for RHI or enquiry removals anymore, so that needs to be removed. Send an email to a credit repair expert OR call us today for a quote 1300 43 65 69.

Be mindful of credit repair scams! Know how credit repair works.

  1. Do NOT pay upfront for credit repair unless there is a clear refund policy in place.
  2. Do NOT let a credit repair company do a credit check for you (this will put an unwanted enquiry on your report).
  3. Do NOT use a credit repair company with no office or ‘real people’.  There are some great websites that are designed to suck you in to paying money upfront but are based overseas or are set up by people with no experience.
  4. Do NOT sign any online forms or do any verbal authorities over the phone.  This can mean that the bogus credit repair company has taken your details, has got you into some sort of contractual agreement or may be able to chase you for money.
  5. Do NOT use a credit repair company who has no track record or history within the Australian market.
  6. DO send us an email to discuss your credit report needs FOR FREE!!

Maybe you want to read more about credit repair first?  Our Director, Victoria Coster, is an expert blogger, and she has written 100s of credit repair articles on various topics. Please enjoy the articles and we hope you get something out of them!

How do you get defaults removed?

The Credit Repair Process:


We run a high level investigation with the credit provider who has listed the default on your credit report. We request documents from them containing notes and other information on the account leading up to the default listing. As a default can only be removed when it is listed in error, we then go through the documents we receive with a fine tooth comb trying to find any errors with the listing. If we find an error (e.g. failure to offer financial assistance when needed) in the default listing we have the credit provider ask the CRB (Equifax / Ilion or Experian) to remove the listing.  Find out more about your credit report or get a copy first and then we can discuss the contents and see if you need help clearing any bad marks.


In most cases a default removal takes up to 4 to 8 weeks. In complex cases it can take up to 12 weeks. By law, credit providers have 30 days to respond to any request for information. In some cases we are able to have defaults removed in a matter of days depending on the urgency of the situation and how responsive the credit providers are.

This is something you can try yourself of course! PLEASE NOTE if you cannot afford our fees, or are currently experiencing financial hardship we cannot accept your application. Please go to www.moneysmart.gov.au for free tips and tools. Charities such as The Salvation Army and Anglicare also offer assistance or you can call the National Debt Helpline on 1800 007 007.

Do defaults need to be paid to be removed?

No, it is not required that a default be paid in order for it to be removed. We have successfully removed unpaid defaults of over $500,000. Often we can have clients enter a payment arrangement or help you organise to settle the account.

Call our friendly staff today on 1300 43 65 69 or email a credit repair consultant!  Don’t delay getting your life back on track today with one of the most trusted and experienced credit repair companies in Australia!!

How do you confirm that a listing has been deleted?

We obtain confirmation from the credit provider and/or Equifax and Dun & Bradstreet (Ilion) and Experian that the listing has been permanently removed.