Credit Repair Perth — Remove Defaults & Get Approved
Bad Credit Holding You Back, Perth? Let's Sort It Out.
Perth's always done things differently — powered by mining and proud of it. When the resources sector's pumping, this city hums. But Perth people know better than anyone that booms don't last forever.
That default's costing you thousands in higher interest — or blocking your approval entirely. Time to fix it, mate.
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.
Perth's Trusted Credit Repair Specialists
Let's have a yarn about what makes Perth different. Over here, we're 4,000 kilometres from the east coast circus — closer to Bali than Brisbane. We've built our own economy, our own way of life. When mining's going off, money flows through this city like nowhere else. Tradies earning six figures, young blokes driving brand new LandCruisers, house prices climbing faster than you can save.
But here's what the glossy brochures don't tell you — Perth's had more boom-and-bust cycles than a rollercoaster. The 2015-2020 downturn was brutal. Property prices crashed 20%, FIFO workers got laid off in droves, and thousands of families lost everything. Now things are booming again, but plenty of good West Aussies are still carrying the scars.
Perth property reality: Perth's median house price has climbed back to around $750,000, with coastal suburbs like Scarborough and City Beach pushing over $1.2 million. Even Joondalup and Rockingham are averaging $600,000-$700,000. A default on your credit file pushes you into "bad credit" loans charging 2-4% higher interest.
That's where we come in. Our legal team properly investigates whether creditors followed the rules. If they stuffed up anywhere — and they stuff up constantly — we can often get that default removed completely. Even if you actually owed the money.
Credit Challenges Facing Perth Families
We understand what West Aussies are going through
Mining Boom & Bust Rollercoaster
The mid-2010s bust left a generation with defaults they're still carrying. Blokes earning $200k suddenly couldn't get a job at Bunnings.
FIFO Life & Relationship Strain
Two weeks on, one week off. Relationships crack, and when they do, the financial fallout is savage. Joint debts, defaults, chaos.
The Rental Crisis Squeeze
Perth's rental market has gone feral. Vacancy rates near zero, rents up 30-40%. If you've got a default, you're stuck paying rent forever.
The East Coast Invasion
Cashed-up east coasters fleeing Sydney prices are outbidding local families. If you've got a default, you're not even in the race.
Defaults We Remove For Perth Clients
We successfully remove defaults from Australia's biggest banks and credit providers
What West Aussies Are Saying
Real results from real Perth families
"Six years of saving while rents went through the roof. One default from the mining crash nearly killed our dream. ACS found the bank hadn't bothered to properly assess my hardship application. Wiped in 19 days."
"Fifteen years FIFO, marriage fell apart, ended up with defaults for debts I didn't even know existed. Felt like starting from zero at 45. ACS proved all three lenders had cut corners. Every default gone."
"Freo was a ghost town during COVID. No tourists, no office workers. I begged for help and got ignored. ACS proved both lenders had broken the rules. Defaults gone, refinanced properly, café's still here."
Credit Repair Across All of Perth Metro
We help WA families from Joondalup to Mandurah
Perth CBD & Inner
Perth CBD, West Perth, East Perth, Northbridge, Subiaco, Leederville, Mount Lawley, Highgate
Northern Suburbs
Joondalup, Clarkson, Butler, Wanneroo, Balcatta, Stirling, Karrinyup, Scarborough, Innaloo
Southern Suburbs
Rockingham, Baldivis, Fremantle, Cockburn, Spearwood, Canning Vale, Armadale, Gosnells
Eastern Suburbs
Midland, Swan, Ellenbrook, Mundaring, Kalamunda, Forrestfield, High Wycombe, Belmont
Coastal Suburbs
Scarborough, Trigg, City Beach, Cottesloe, Swanbourne, Sorrento, Hillarys, Mindarie
Mandurah & Peel
Mandurah, Pinjarra, Greenfields, Meadow Springs, Halls Head, Falcon, Dawesville, Singleton
How It Works for Perth Families
Simple, transparent, and effective
Free Assessment
We review your credit file and identify removable listings at no cost.
Legal Audit
Our legal team investigates whether creditors followed proper process.
Challenge Sent
We lodge formal disputes with credit providers and bureaus.
Listing Removed
Successful removal - your credit score improves immediately.
Frequently Asked Questions
Everything you need to know about credit repair
Ready to Fix Your Credit in Perth?
Join West Aussie families from Joondalup to Mandurah who've taken back control of their credit.