Default Removal Services Australia
Remove defaults from your credit file legally and permanently. Australia's award-winning credit repair specialists helping thousands reclaim their financial freedom.
What Our Clients Say
Real reviews from real Australians who fixed their credit with us
That Default on Your Credit File Is Costing You More Than You Think
You know the feeling. You apply for a car loan, a home loan, even a credit card — and you get hit with instant rejection.
Not because you can't afford the repayments. Not because you don't have a steady income. But because buried in your credit report is a default that's been sitting there like a financial landmine, blowing up every opportunity that comes your way.
Maybe it was a phone bill you forgot about during a move. A medical debt that slipped through the cracks. A personal loan that went sideways during a rough patch. Or even a Telstra bill from three years ago that you didn't even know existed until you checked your credit file.
Whatever the reason, that default is now destroying your financial future — one rejection at a time.
Here's the truth most Australians don't realise: defaults can be removed from your credit file. Not just disputed. Not just explained away. Actually removed — legally, permanently, and often faster than you'd think.
What Is a Default and Why Does It Wreck Your Credit?
A default is listed on your credit file when you fail to make a payment on a debt, and the creditor decides to report you to Australia's credit bureaus (Equifax, Experian, Illion).
Under Australian law, a creditor can list a default if:
- The debt is $150 or more
- The debt is overdue by at least 60 days
- The creditor has sent you proper written notices (which they often don't)
Once listed, that default sits on your credit report for five years — even if you pay it off the next day.
The Devastating Impact of Defaults
One mistake. One forgotten bill. One financial hiccup. And it haunts you for five years.
But here's the part most Australians miss: not all defaults are valid, accurate, or permanent.
How Australian Credit Solutions Removes Defaults from Your Credit File
We don't just lodge generic disputes and hope for the best. We don't send template letters. We don't waste your time with strategies that rarely work.
What we do is forensic credit file investigation — analyzing every detail of your default listing to find legal grounds for removal.
Free Credit File Analysis (60 Seconds)
You complete our quick online form. We pull your credit reports from all three major bureaus (Equifax, Experian, Illion). Our experienced team then conducts a line-by-line audit of every default, looking for:
- Incorrect listing dates — Was the default backdated or listed too early?
- Missing notices — Did the creditor send you the required written warnings before listing?
- Wrong amounts — Is the default amount inflated or incorrect?
- Procedural breaches — Did the creditor follow the Privacy Act 1988 and Credit Reporting Code requirements?
- Paid defaults listed as unpaid — Mistakes happen more often than you'd think
- Duplicate listings — The same debt reported multiple times across different bureaus
- Statute-barred debts — Old debts that shouldn't even be on your file anymore
Most Australians have at least one error on their credit report. We find them, and we use them to get results.
Strategic Legal Challenge
Once we've identified grounds for removal, we launch a formal dispute with the credit bureaus and the creditor. This isn't a polite request — it's a legally-backed challenge citing:
- Section 20 of the Privacy Act 1988 — Incorrect or misleading credit information must be corrected
- The Credit Reporting Code — Strict rules creditors must follow before listing defaults
- Australian Consumer Law — Your rights as a consumer
- Credit bureau obligations — Their legal duty to investigate and correct inaccuracies
We've been doing this for over a decade. We know the laws. We know the loopholes. We know exactly which arguments work — and which ones waste time.
Removal, Correction & Credit Score Recovery
When the credit bureau or creditor can't legally justify the default (and they often can't), they're required by law to remove it from your file.
Once removed:
- Your credit score jumps — Often by 150-300+ points
- Lenders see a clean credit history — You're no longer flagged as high-risk
- Loan applications get approved — Home loans, car finance, credit cards
- You qualify for better rates — Saving you thousands in interest
- Financial stress disappears — You can finally move forward
This is the moment everything changes. The rejections stop. The doors open. Your financial life gets back on track.
Mark's Default Removal Success
The Problem
Mark, a 41-year-old tradesman from Western Sydney, was ready to buy his first home in 2024. He'd saved a $70,000 deposit, had stable work, and was earning solid income.
He applied for a home loan with his bank — and was rejected within 24 hours.
The reason? Two defaults on his credit file:
- A $680 Optus bill from 2020 (he'd switched providers and didn't know a final bill existed)
- A $1,200 Afterpay default from 2021 (disputed but never resolved)
Both defaults were listed as unpaid, even though Mark had actually paid the Optus bill months after it was listed.
The Solution
Mark found Australian Credit Solutions through a mate's recommendation. Within 48 hours, our team identified critical issues:
- Optus default: Listed as "unpaid" despite Mark paying it 8 months earlier — a clear reporting error
- Afterpay default: No evidence of proper notice sent before listing — a breach of Section 21 of the Privacy Act
We immediately lodged formal disputes with both Equifax and Experian.
The Outcome
He reapplied for his home loan — and was approved within 10 days. Today, Mark owns his first home in Penrith.
Savings over 30 years: Approximately $180,000 in interest — just from removing two defaults.
Types of Defaults We Remove
We handle all types of defaults across Australia, including:
📱 Telco & Utility Defaults
- Telstra, Optus, Vodafone phone bills
- AGL, Origin, Energy Australia utility bills
- NBN and internet defaults
💳 Financial Defaults
- Credit card defaults (ANZ, CommBank, Westpac, NAB)
- Personal loan defaults
- Buy Now Pay Later (Afterpay, Zip Pay, Klarna)
- Payday loan defaults
🏪 Retail & Service Defaults
- Medical bills and hospital debts
- Gym memberships
- Subscription services
- Trade accounts
🏠 Property-Related Defaults
- Rent arrears
- Body corporate fees
- Real estate agent debts
Paid or unpaid — we can help with both.
Can Paid Defaults Be Removed?
Yes — and this surprises most people.
Here's a common myth: "If I pay the default, it'll come off my credit file."
Wrong.
Paying a default changes its status from "unpaid" to "paid" — but it still stays on your credit report for five years from the original listing date.
In fact, some lenders see paid defaults almost as negatively as unpaid ones. Why? Because it proves you struggled with debt management in the past.
The good news: paid defaults can absolutely be removed if the creditor breached listing procedures, the default amount was incorrect, required notices weren't sent, the listing date is wrong, or there are procedural errors under the Privacy Act.
Can Unpaid Defaults Be Removed?
Absolutely.
Even if you haven't paid the debt, the default listing itself can still be challenged and removed if:
- The creditor didn't follow proper procedures
- The debt amount is disputed or incorrect
- Required written notices weren't sent
- The listing breaches credit reporting laws
- The debt is statute-barred (too old to enforce)
Important: Removing a default from your credit file doesn't erase the debt. But the credit file damage — the part that's destroying your loan applications — can often be removed through legal challenge.
Why Default Removal Often Works (Even When You Think It Won't)
Here's a dirty little secret about the credit reporting industry: creditors make mistakes constantly.
We see it every single day:
Under the Privacy Act 1988, creditors must follow strict rules when listing defaults. If they don't, you have the legal right to challenge the listing — and get it removed.
What Makes Australian Credit Solutions Different?
You could try the DIY route. You could lodge disputes yourself. But here's the reality:
- Credit bureaus reject 70%+ of consumer disputes — They're not on your side
- Creditors ignore individual complaints — They get thousands of disputes per week
- One wrong word in your dispute letter — You've just blown your chance
- The process is complex and slow — Most people give up after 2-3 months
We've spent over 10 years removing defaults from credit files. We've refined the process. We've built relationships with credit bureaus, creditors, and legal teams. We know what works.
Australia's top credit repair service 3 years running (2022, 2023, 2024)
From Darwin to Hobart, Perth to Cairns
We only take cases we believe we can win
You don't pay unless we successfully remove your default
Most removals completed within 30-90 days
We handle Equifax, Experian, and Illion simultaneously
What Happens After Your Defaults Are Removed?
This is where your life transforms. Within days of successful default removal, you'll experience:
We've had clients go from rejected home loan applications to approved within 14 days after default removal.
This isn't just about numbers on a report. It's about getting your financial life back.
Common Questions
Can defaults be removed from my credit file?
How long do defaults stay on your credit file?
Will paying a default remove it from my credit file?
Can I remove defaults myself?
How much does default removal cost?
What if the default is valid and I actually owed the money?
Will removing a default improve my credit score?
How long does the default removal process take?
Can defaults be removed from all three credit bureaus?
Every Day You Wait, Your Defaults Are Costing You
Every loan application rejected. Every high-interest rate forced to accept. Every rental property you can't qualify for. Every opportunity missed because of bad credit.
But you don't have to live with defaults on your credit file for five years. You have options. You have rights under Australian law.