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.
Every default costs you thousands more in interest and blocks access to first home buyer benefits
You've saved for years, found the perfect first home, but every bank says NO because of defaults.
Bad credit forces you into non-bank lenders. That's $180,000 more in interest over 30 years on a $600K loan.
Most states offer $10K-$25K grants, but bad credit blocks access to eligible lenders. You're missing FREE money.
Government schemes let you buy with 5% deposit (no LMI), but require good credit. Bad credit means 20% deposit — an extra $120K.
Prices rise 5-8% annually. Every year locked out by bad credit costs you $30K-$50K more for your dream home.
Stuck paying $500-800+ weekly rent. That's $26K-$42K per year in dead money that could be building equity.
Our proven process removes defaults and unlocks first home buyer benefits
We challenge every default, late payment, and enquiry blocking your home loan approval.
Watch your score climb 100-300 points as we optimize for first home buyer lending criteria.
Access FHOG ($10K-$25K), 5% deposit schemes, stamp duty concessions, and premium rates.
Once clean, get pre-approval within 5-7 days. Start house hunting with confidence.
First Home Owner Grants by State
Credit repair pays for itself many times over. Don't let bad credit cost you nearly $400K.
A: Yes, but options are limited and expensive. Most banks require 600+ for first home buyers. Our credit repair opens access to major bank rates (5.89%-6.49%) and first home buyer benefits.
A: Typically 60-90 days. Many clients see improvements within 45-60 days for pre-approval. We prioritize first home buyers because of property market timing.
A: Most FHOG grants ($10K-$25K) require approval from eligible lenders, which need good credit. After repair, you access both grants AND better rates.
A: With good credit: 5% via government schemes (no LMI). Bad credit: 20% minimum. For a $600K home: $30K vs $120K deposit.
A: The math is clear: property prices rise 5-8% annually ($30K-$50K), while credit repair takes 60-90 days and saves $100K-$200K in interest.
A: Many first home buyers get conditional pre-approval once key defaults are removed, often within 30-45 days of starting.
Start your credit repair today and join the property market with government benefits and premium rates
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 →