Identity Theft & Credit Repair Australia: Restore Your Credit File
Someone stole your identity and destroyed your credit? We'll fix it. Identity theft is one of the fastest-growing crimes in Australia — and your credit file is often the first casualty. Fraudulent loans, credit cards you never applied for, defaults on debts you never owed.
- ✓ Remove Fraudulent Listings — Credit cards, loans, and defaults you never opened
- ✓ Legal Representation — Led by qualified lawyer Elisa Rothschild BA/LLB
- ✓ 94% Success Rate — Even in complex fraud cases
What Our Clients Say
Real reviews from real Australians who fixed their credit with us
Your Fresh Start Begins With Expert Help
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.
How Identity Theft Destroys Your Credit (And Your Life)
Identity theft happens when someone uses your personal information to open accounts and rack up debts in your name
Credit Enquiries
From lenders you've never contacted — thieves applying for credit in your name
Fraudulent Accounts
Credit cards, loans, and accounts you never opened now appearing on your file
Defaults & Judgments
Court judgments and defaults for debts you never incurred destroying your score
Debt Collectors
Constant calls and threats for debts you don't owe — harassment that won't stop
The Devastating Impact:
How Identity Theft Happens in Australia
Identity thieves are getting smarter — here's how they strike
Phishing & Email Scams
Fake emails pretending to be from banks, government agencies, or utility companies asking you to "verify" your details.
Phone Scams
Callers impersonating the ATO, bank fraud departments, or tech support to steal your information.
Data Breaches
Your information stolen from hacked businesses — Optus (2022), Medibank (2022), Latitude Financial (2023).
Family or Partner Fraud
Ex-partners, family members, or housemates using your details without permission — more common than you think.
2024 Statistics
Our Identity Theft Credit Repair Process
We specialise in removing fraudulent credit listings and restoring victims' credit files
Emergency Credit File Audit
We immediately pull your credit reports from all three bureaus (Equifax, Experian, illion) and identify every fraudulent account, loan, credit card, fake enquiries, and addresses that don't belong to you.
Identity Theft Documentation
We help you gather the evidence needed to prove fraud — statutory declarations, police reports, letters from creditors, timeline of discovery, and all relevant communications.
Formal Fraud Disputes
We lodge formal disputes with credit bureaus demanding removal under the Privacy Act 1988, creditors proving you weren't responsible, and debt collectors to stop harassment and legal threats.
Credit Bureau Escalation
If bureaus don't respond or refuse removal, we escalate to AFCA (Australian Financial Complaints Authority), OAIC (Office of the Australian Information Commissioner), and legal action if necessary.
Credit Monitoring & Protection
Once your file is clean, we help you set up credit monitoring alerts, implement identity theft protection strategies, and add fraud alerts to your credit reports.
Credit Score Restoration
After removal, we verify all fraudulent listings are deleted across all three bureaus, your credit score has recovered, and you receive updated credit reports showing a clean file.
Legal Support for Complex Identity Theft Cases
When identity theft requires legal action, we have you covered
Legal Representation
When creditors refuse to remove fraudulent listings, we can take legal action on your behalf.
AFCA Complaints
Professional complaints to the Australian Financial Complaints Authority with legal backing.
Court Representation
If creditors take you to court for fraudulent debts, we can defend you legally.
Compensation Claims
Pursue compensation for damages caused by identity theft and creditor negligence.
Led by Elisa Rothschild, BA/LLB
Principal Lawyer & Credit Specialist with 12+ years experience. Most credit repair companies can't take legal action on your behalf. We can.
Real Identity Theft Victims We've Helped
Documented recoveries from real Australians
"Ex-partner opened 3 credit cards and 1 personal loan in my name. Total fraudulent debt: $47,000. Credit score dropped from 720 to 385. ACS removed all 4 fraudulent accounts in 94 days. Home loan approved 6 weeks later!"
"Identity stolen in Optus data breach. 6 fraudulent credit enquiries and 2 fake mobile phone contracts. Rejected for car finance. ACS removed all fraudulent listings in 68 days. Car loan approved within 3 weeks!"
"Mail theft led to 19 credit enquiries and 1 court judgement for a loan I never took out. ACS removed all fraudulent listings in 112 days. They legally represented me when the creditor pursued court action — case dismissed!"
What to Do If You're a Victim of Identity Theft
⚡ Immediate Actions (First 24-48 Hours)
- Contact your bank — Freeze accounts, cancel cards, report fraud
- Change all passwords — Email, banking, MyGov, social media
- Check your credit file — Get free reports from Equifax, Experian, illion
- Place a ban — Call credit bureaus to prevent new applications (21-day ban)
- Report to IDCARE — Free identity theft support (1800 595 160)
📋 Next Steps (First Week)
- File a police report — Essential for proving fraud to creditors
- Contact affected creditors — Inform them the accounts are fraudulent
- Document everything — Keep records of all calls, emails, letters
- Contact Australian Credit Solutions — Let us handle the credit repair and legal process
🛡️ Ongoing Protection
- Set up credit monitoring — Get alerts when new accounts are opened
- Review credit reports quarterly — Catch new fraud early
- Secure your identity — Use strong passwords, two-factor authentication
- Be wary of scams — Never give personal info to unsolicited callers
Identity Theft Credit Repair FAQs
Is identity theft common in Australia?
How long do fraudulent listings stay on my credit file?
Will I be held responsible for fraudulent debts?
Can I remove fraudulent listings myself?
What if a creditor takes me to court for a fraudulent debt?
What if the identity thief was a family member?
Why Choose Australian Credit Solutions for Identity Theft Cases
Proven Specialists
We've handled hundreds of identity theft cases — from simple fraudulent enquiries to complex multi-account fraud schemes.
Legal Expertise
Led by qualified lawyer Elisa Rothschild. We can take legal action when others can't.
94% Success Rate
Even in complex fraud cases, we get results. We don't give up until every fraudulent listing is removed.
Fast Action
We know identity theft victims are in crisis. We move fast to stop the damage and start the repair process.
No Win, No Fee
Available for eligible identity theft cases. If we don't succeed, you don't pay our success fee.
Compassionate Support
We understand the emotional trauma. You're not just a case number — you're a person who deserves justice.
Complete Credit Repair Solutions
Default Removal
Remove paid and unpaid defaults using legal processes under Australian law.
Learn MoreCourt Judgment Removal
Challenge improperly obtained court judgments for maximum score gains.
Learn MoreDon't Let Identity Thieves Destroy Your Financial Future
You didn't cause this. You shouldn't have to live with the consequences. Every day those fraudulent listings sit on your credit file, you're paying the price for someone else's crime.
Related Credit Repair Services
Default Removal
Remove defaults from your credit file legally
Learn More →Court Judgement Removal
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Learn More →Paid Default Removal
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Learn More →Multiple Defaults
Clean up multiple defaults at once
Learn More →Credit Enquiry Removal
Remove excessive credit enquiries
Learn More →Repayment History Fix
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Learn More →