Real reviews from real Australians who fixed their credit with us
Elisa Rothschild, Principal Lawyer & Director of Australian Credit Solutions, explains how we help Australians remove defaults and rebuild their credit. With 12+ years experience and ASIC licensing (ACL 532003), you're in expert hands.
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 lawyer brings 15+ 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 the fastest possible 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 →