fbpx

Default Removal Services

Defaulted on a payment? Let’s take it out of your record.

Book a Free call

A credit default can significantly impact your credit score

Having one or more credit defaults on your credit report is a massive roadblock for your financial goals. Whether you want to buy a car, a house or even get a new mobile plan, credit defaults may stop this from happening.

These negative listings stay on your record for 5–7 years and warn lenders that you’ve failed to pay debts on time in the past—even after you’ve already settled these debts.

With defaults, getting approved for any type of loan or credit becomes an uphill battle. Credit providers become more likely to deny your applications outright. And if you do manage to get approved despite the defaults, the cost of finance options available to you significantly increases. You’re likely to pay outrageously high interest rates that make borrowing so much more expensive.

We’ll help fix the past

A credit default doesn’t tell the full story. Often we work with clients who’ve suffered domestic violence, divorce, lost a business or job, or simply experienced a difficult period in life due to something outside their control.

Our role as credit repair experts is  to investigate, dispute, and advocate your position to remove unfair and incorrect information from your credit file that harm your overall credit profile.

Just picture your life when we remove the negative items from your credit report:

  • Move forward with a fresh start, no more baggage dragging you down
  • Increase your chances of approval for loans with way better interest rates
  • Regain the ability to get finance for homes, cars, credit cards and more
  • Release the shame as you restore your financial rep and open up new opportunities
Get started

Here’s how it works

Having bad credit can feel like a life sentence, but we can fix it.

Icon Arrow white
Number One

Contact our team

Call or book an appointment. We’ll assess your situation and see if we’re a good fit to fix your credit issues.

Icon Arrow white
Number two

Assessment

Once we’ve reviewed your situation and set expectations, you sign the necessary documentation for us to move forward.

Icon Arrow white
Number 3

Advocate

We get to work, reaching out to relevant credit providers to dispute or negotiate negative information from your credit history.

Number 4

Resolution

Once we reach a resolution, we’ll contact you with the news.

Celebrations!

Take the first step

Why choose Credit Check?

  • We fearlessly represent you

Never stress about calling or receiving a call from your creditor again. We become your voice. Our team will handle your credit issues, negotiate, and advocate on your behalf. You pass it to us and we do the rest.

  • We act fast

We know time matters, so we do our best to get the outcomes you desire in the shortest possible time.

  • We understand the laws

We possess extensive knowledge of debt, credit laws, and protect your consumer rights. We never shy away from legal jargon or complicated credit. If justice is required, we’ll fight for you.

Authorised Credit Report Access Seeker

Credit Report Access Seeker

Testimonials

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

Emily's smile after improving her credit

Success Stories

Credit repair changes lives. See how we’ve helped people just like you.

View our Success Stories

We’re ready to help you

All conversations are 100% confidential.

Call 1300 323 321

*Operating hours: 9 AM to 6 PM AEST, Monday to Friday

OR

Book a free 15 minute clarity call below.






    Frequently Asked Questions (FAQs)

    A credit default is a borrower’s failure to pay their account on time. Credit providers can list a default on your credit report if:

    • The payment has been overdue for at least 60 days,
    • The overdue payment is equal to or more than $150.
    • A notice has been sent to your last known address to let you know about the overdue payment and requesting payment.

    Paying the debt updates the default to paid status, but it will stay on your credit file for five years from the date of default regardless of whether you pay or not.

    It can take anywhere between 14–30 days from onboarding with us to remove the credit default from your file.

    Short answer: it depends. Paying the default does not remove it from your credit report.

    Each bank has their own policies—some may accept a paid default whilst others may not. It most certainly will reduce the number of lenders you can apply with and may increase interest rate costs.

    This is a section 6Q notice under the Privacy Act: A default can be listed on your credit report if:

    • 60 days have passed since the default.
    • A notice has been sent to you telling you the payment is overdue.

    Yes, it can. There are rules, but knowing them allows us to advocate on your behalf and find reasons why it can and should be removed. We have a very high success rate of removal.

    Credit defaults remain on your report for 5 years from the date of default. If the default is categorised as serious credit infringement, it remains for up to 7 years.

    Depending on the credit scoring body, a default can reduce your score significantly. A default listing even if paid still affects you for up to five years..

    No. Debt is money you owe and a default listing is information that exists on a credit report. Removing the default does not remove the debt—you may still need to come to an agreement with your creditors. However, we will often negotiate the debt at the same time we remove your default listing.

    We’re ready to help you

    All conversations are 100% confidential.

    Call 1300 323 321

    *Operating hours: 9 AM to 6 PM AEST, Monday to Friday

    OR

    Book a free 15 minute clarity call below.






      About

      Credit Check specialises in disputing and removing negative items from credit reports to achieve the financial outcomes you want.

      Learn more.

      Quick links

      Contact

      Phone: 1300 323 321
      Address: Level 10, 36 Marine Parade, Southport, QLD 4215

      Referral Partners

      Are you a business whose clients could
      benefit from our credit repair services?
      Click to discover how we can work together.

      Authorised Credit Report Access Seeker

      Acknowledgement Of Country

      Credit Check acknowledges the traditional custodians of the land on which we listen, learn, live, love and work together.

      We pay our respects to Elders past, present and emerging, and to all First Nations peoples, and are committed to building relationships, respect, and opportunities for all.

      Credit Check Pty Ltd (ABN 79 647 680 635) provides ‘debt management services’ as defined in the National Consumer Credit Protection Regulations 2010 and in accordance with the National Consumer Credit Protection Act 2009. Credit Check has been appointed as a credit representative (ACR 543507) of QED Credit Services Pty Ltd (ACN 147 272 295) trading as Pursuit Broker Services (ACL 387856). Credit Check is registered with the Australian Financial Complaints Authority (AFCA) external dispute resolution scheme, our member number is 109955.

      © 2024 Credit Check Pty Ltd. All Rights Reserved | Terms and Conditions | Disclaimers | Privacy Policy | Complaints