🟢 New Enquiries: 0489 265 737🔵 Support: 0480 031 862
★★★★★975+ 5-Star Reviews
📞 0489 265 737Free Assessment

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Have questions about your credit file? Need help removing defaults? Our friendly team is here to help you take the first step toward financial freedom.

🏆Award-Winning Service
⚡Free Assessment
🔒100% Confidential
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Speak directly with a credit specialist

🟢 New Enquiries: 0480 031 704🔵 Existing Clients: 0480 031 862General: 0480 031 704
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help@australiancreditsolutions.com.au
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Visit Us

Melbourne CBD office

805/220 Collins St
Melbourne VIC 3000
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Request a Free Assessment

Fill out the form below and we'll get back to you within 24 hours.

🔒 Your information is secure and will never be shared.

🕐 Office Hours

Monday9:00 AM – 5:30 PM
Tuesday9:00 AM – 5:30 PM
Wednesday9:00 AM – 5:30 PM
Thursday9:00 AM – 5:30 PM
Friday9:00 AM – 5:30 PM
SaturdayClosed
SundayClosed

⚡ Quick Response

We understand credit issues can be stressful. That's why we aim to respond to all enquiries within 24 hours during business days.

For urgent matters, please call us directly on 0480 031 704 (new enquiries) or 0480 031 862 (existing clients).

🏛️ Licensed & Regulated

Australian Credit Solutions is fully licensed and regulated, giving you peace of mind when working with us.

Australian Credit LicenseACL 532003
ABN80 650 730 699
AFCA Member83546

⭐ 975 Reviews · 5.0/5

Australian Credit Solutions (ACL 532003) holds a 5.0/5 rating from 975 reviews on ProductReview.com.au — ProductReview Best 2026, Credit Score Repair Services.

Our 98% success rate on accepted cases reflects our selectivity at intake: we only take cases with legal grounds under the Privacy Act 1988. See how our default removal service works.

📋 Complaints

We're committed to resolving any concerns. View our Complaints Handling Policy or contact us directly.

You can also contact AFCA (1800 931 678) if we can't resolve your complaint. View our licensing and compliance information.

📍 Our Melbourne Office

805/220 Collins St, Melbourne VIC 3000
FAQs

Common Questions

How quickly will you respond to my enquiry?
Australian Credit Solutions aims to respond to all enquiries within 24 hours on business days. For urgent matters, call us directly on 0480 031 704 — a credit specialist picks up during business hours (Mon–Fri, 9 AM to 5:30 PM AEST).
Is my information kept confidential?
Yes. Australian Credit Solutions (ACL 532003) handles all personal information in accordance with the Privacy Act 1988 and our published Privacy Policy. Your details are never shared with third parties without your written consent.
Do I need to come to your office?
No — Australian Credit Solutions serves clients across Australia by phone, email, and video call. While our licensed office is at 805/220 Collins Street, Melbourne VIC 3000, the entire assessment and dispute process can be completed remotely at your convenience.
What happens after I submit the form?
After you submit the form, a credit specialist at Australian Credit Solutions (ACL 532003) reviews your enquiry and contacts you within 24 hours. We discuss your situation, explain your legal options under the Privacy Act 1988, and offer a free credit file assessment to identify what can be challenged.
Is the initial credit file assessment really free?
Yes — your initial consultation and credit file assessment with Australian Credit Solutions are completely free with no obligation. We review your file, identify any Privacy Act 1988 breaches, and explain what we can realistically achieve before you decide whether to proceed.
How much does it cost to use Australian Credit Solutions?
Australian Credit Solutions (ACL 532003) works on a No Win No Fee basis — no upfront cost and nothing to pay if your case is unsuccessful. Your exact cost is confirmed in writing after we review your file. Payment plans are available for qualifying cases. Call 0480 031 704 to find out where you stand.
Can you help if my default was listed without proper notice?
Yes. Under Section 21D of the Privacy Act 1988, a creditor must issue a default notice to your last known address before listing a default. Australian Credit Solutions (ACL 532003) reviews whether that notice was correctly served — a missing or misaddressed notice is one of the most common grounds for removal on an accepted case.
Which credit bureaus do you work with in Australia?
Australian Credit Solutions (ACL 532003) disputes defaults across all three Australian credit bureaus — Equifax, Experian, and illion. A listing can appear on one, two, or all three files simultaneously, so we check and dispute across whichever bureaus hold the incorrect entry.
How do I know if my default can be removed?
The most reliable way is a free credit file assessment from Australian Credit Solutions (ACL 532003). Our lawyer-led team reviews your file for Privacy Act 1988 breaches — including incorrect notices, wrong address, wrong amount, or timing errors. We only accept cases where legal grounds exist, which is why our success rate is 98% on accepted cases.

Ready to Fix Your Credit?

Don't let bad credit hold you back. Contact us today for your free assessment and take the first step toward financial freedom.

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