Repayment History Information

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

The lasting impact
of delayed payments

Your payment history is like a permanent record for the banks and lenders. Any missed payments or late fees, even if you sort them out later, can drag your credit score down.

If you’ve had to defer payments due to hard times, the lenders understand that happens. But they still see those financial hardship notes as red flags. It makes you look like a higher risk to them—like you might struggle again if things get tough.

With negative marks for missed payments and hardship listings, getting approved for loans, mortgages, or new credit cards becomes troublesome. Lenders are way less likely to say yes if your payment track record has been patchy before. It can turn into a vicious cycle where the old payment problems keep blocking you from building better credit.

Start over from a clean slate

Life happens, and sometimes that means deferred payments and financial hardship notes. Even if credit providers understand, these are still negative marks we must remove.

Our credit repair specialists are well-versed in finding ways to remove financial hardship notes and deferred payments from your credit report. We’ll clean up your credit file so you can:

Boost your credit score by getting negative payment information out,
No longer get judged by lenders for past financial hardship situations,
Increase your chances of getting approvals on loans, credit cards, and mortgages
Restore your good credit rep and get that financial peace of mind back.

Here’s how it works

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

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.

Assessment

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

Advocate

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

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

Testimonials

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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)

Can repayment history be removed?

Yes, it’s possible to remove repayment history information from your credit report. There are strict rules governing this information. We can advocate on your behalf and find reasons why it can and should be removed. We have a very high success rate in getting repayment history removed.

Note: Trying to do it yourself without understanding the process may impact our ability to help you in the future. Contact us.

How long does repayment history last?

Repayment history information takes 2 years to cycle through and age out of your credit report.

Does applying for credit impact my credit score?

Yes, every time you apply for a loan, it may impact your credit score. Personal loans, small loans, buy now pay later, car loans, credit cards and other forms of credit are new risks and therefore affect your credit score..

How long does Financial Hardship Information last?

Financial Hardship Information typically lasts for 1 year from the date the hardship period ends.

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.

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

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.

Repayment History Information

The lasting impact
of delayed payments

Start over from a clean slate