Results Overview
- Average credit score improvement: 100-400 points
- Fast professional resolution for most cases
- 98% success rate for qualified cases
- Results include defaults, judgments, and enquiries removed
- Clients achieved home loans, car finance, and business funding
Daniel's Express Default Removal Success
The Challenge
Daniel had been working in financial services when a telecommunications default appeared on his credit file following an account closure mix-up. Despite having an otherwise excellent credit history, this single negative listing was blocking his ability to secure competitive loan rates for a property investment.
Our Strategy
- Insufficient notice period: Creditor provided only 21 days instead of required 30 days
- Incorrect amount: Additional fees included that shouldn't have been part of the listing
- No dispute opportunity: No proper chance to dispute charges before listing
Results
- Secured investment loan at 6.8% vs 9.2% offered previously
- Annual savings: $12,000+ in lower interest costs
"My experience with Australian Credit Solutions was excellent! The process was smooth and efficient. A big thank you to Daisy and Angelie for their support. I couldn't have imagined such a quick turnaround."
Sherlyn's Multiple Default Recovery
The Challenge
During the COVID-19 pandemic, Sherlyn's small retail business faced significant challenges. Despite accessing government support, she fell behind on several business-related accounts, resulting in three defaults totaling $8,500 on her personal credit file.
Our Strategy
- Hardship provisions: COVID-19 hardship protections weren't properly applied
- Notice timing: Defaults listed during government-mandated forbearance periods
- Procedural failures: Creditors didn't follow updated pandemic guidance
Results
- Approved for $150,000 business expansion loan
- Premium credit cards reinstated with increased limits
"I highly recommend Australian Credit Solutions. Their credit repair service is truly exceptional, managing to remove major negative listings from my credit file."
Michael's Bankruptcy Recovery Journey
The Challenge
Michael had been discharged from bankruptcy five years ago but struggled to rebuild his credit effectively. Despite stable employment, his credit score remained low and he was only accessing subprime products. He needed excellent credit to secure a competitive home loan on the Gold Coast.
Our Strategy
- Phase 1: Cleaned remaining bankruptcy-related errors from credit file
- Phase 2: Strategic credit building plan with diversified account types
- Phase 3: Preparation for home loan application with supporting documentation
Results
- Approved for $640,000 home loan at 6.9% (competitive rate)
- Secured Gold Coast property before further price increases
"I'm extremely confident moving forward in improving my credit reports with Australian Credit Solutions after being in bankruptcy for the past 5 years. I highly recommend dealing with the team for all credit needs."
Court Judgment Removal Success
The Challenge
David discovered a court judgment on his credit file for a debt he claimed he never owed. The judgment was obtained by default when court documents were allegedly served at an old address. Despite having no knowledge of the debt or court proceedings, the $12,500 judgment was severely damaging his credit score.
Our Legal Strategy
- Improper service: Court documents weren't served at correct address
- No appearance opportunity: David had no knowledge of proceedings to defend
- Application filed: To set aside judgment due to improper service
Results
- Court judgment completely removed and set aside
- Approved for credit cards and car finance
- No liability for the disputed debt
"I have to be honest and say I was slightly skeptical that this service would work. I had quite a large debt registered on my credit file. ACS challenged this entry for me and it was successfully removed. I was genuinely very, very happy and would highly recommend."
Krishant's Financial Recovery Story
The Challenge
Krishant experienced a challenging period including job loss and family medical expenses that led to several missed payments and financial difficulties. During this stressful time, he felt overwhelmed and unsure how to address the mounting credit issues affecting his ability to rebuild financially.
Our Approach
- Credit file analysis: Identified incorrect reporting during hardship period
- Hardship provisions: Ensured proper notation of temporary difficulties
- Payment history correction: Challenged incorrectly reported late payments
- Supportive communication: Regular updates and encouragement throughout
"My experience with Australian Credit Solutions has been nothing short of exceptional. From the beginning, they listened to my situation with genuine care and worked tirelessly to support me through one of the hardest financial periods of my life. Thanks to their guidance, I now have peace of mind and a clear path forward."
Business Professional Expansion Success
The Challenge
A business professional needed urgent credit repair to access financing for business expansion opportunities. A single default was preventing access to competitive business loans, threatening time-sensitive growth plans.
Results
- $500,000 business expansion loan approved at competitive rates
- Business growth plan successfully implemented
"Angelie and Nor were instrumental in removing a default listing from my file, transforming what could have been a stressful experience into a smooth and seamless process. Their friendly and professional approach made a significant difference."
Melbourne Home Buyer Success
The Challenge
A Melbourne resident was preparing to enter the competitive property market but discovered multiple defaults on their credit file were preventing access to competitive home loan rates. With property prices rising rapidly, they needed fast, effective credit repair.
Results
- All challengeable defaults successfully removed
- Approved for competitive rate mortgage
- Successfully purchased home in rising market
"Sheina and Sherlyn were absolutely fantastic! Their support, professionalism, and dedication truly made a difference. Australian Credit Solutions has been extremely helpful throughout the process."
Perth Family Car Finance Success
The Challenge
A Perth family needed to purchase a reliable family vehicle but found their credit applications being declined due to excessive credit enquiries on their file. Previous attempts to secure financing had created multiple enquiries, making the situation worse.
Results
- Multiple excessive enquiries successfully removed
- Approved for family vehicle at competitive rate
- Access to mainstream financing restored
"They exceeded my expectations by removing more inquiries than initially agreed, which made a huge difference to my credit file. Thanks to their efforts, I can now secure car finance. Highly recommend their services!"
Why These Success Stories Matter
Real People, Real Results
These case studies represent actual Australian Credit Solutions clients who achieved life-changing results:
- Genuine Problems: Real credit issues affecting real Australians
- Professional Solutions: Legal expertise achieving results DIY couldn't
- Measurable Outcomes: Specific credit score improvements and financial benefits
- Life Impact: Homes, cars, and business opportunities unlocked
The ACS Difference
Legal Expertise
Principal Lawyer Elisa Rothschild (BA/LLB) brings qualified legal knowledge to every case
98% Success Rate
Proven methodology for qualified cases
Personal Service
Dedicated team members providing exceptional care
No Win No Fee
You only pay when we succeed
Start Your Success Story
If you recognize your situation in any of these case studies, remember that these results are achievable for you too. Every success story started with someone taking the first step to address their credit issues professionally.
Don't wait for credit problems to resolve themselves. You deserve access to competitive loan rates and the financial freedom you need.
Disclaimer: These case studies are based on authentic client reviews and represent actual results achieved. Individual results vary based on specific circumstances. Success rates quoted reflect historical averages. Australian Credit Solutions is ASIC licensed (ACL 532003).