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Say goodbye to credit defaults with our

Credit Default Removal Services

Our credit default removal service targets unfair, incorrect or misleading credit default information which is impacting your credit history, let our experienced team assist you

You're here because you may have a credit default listing on your credit report and you're trying to figure out how to remove it.

It's most likely causing you problems obtaining finance or other types of credit and you don't know what to do.

credit default listing can only occur when an amount of $150 or more is overdue, it has been outstanding for a period of time and all notices have been sent to you giving warning that your credit history is about to be seriously impacted.

We take the hassle out of credit repair so you don't have to navigate some of the complex rules and regulations surrounding consumer credit.

Credit Default FAQs

What is a Credit Default?

A credit default occurs when you fail to repay a loan or meet contractual obligations on time, where the obligation has a value of $150 or more and the credit provider has issued the correct notices to your last known address. This information is then stored on your credit report.

A credit default can significantly impact your credit score. It serves as a red flag to lenders, signaling potential risk. This may result in higher interest rates or, in some cases, difficulty obtaining credit.

Yes, you can! While a default can remain on your credit report for up to 7 years, taking proactive steps like timely payments, negotiating settlements, and seeking professional advice can gradually improve your creditworthiness. Further seeking help from

Typically, a credit default stays on your credit report for five years, whilst a more serious credit infringment will be on your credit report for seven years. A credit defaults impact on your credit score may diminish over time.

Paying a defaulted account can positively impact your credit by showing lenders that you’ve taken steps to resolve the issue, however the credit default will remain on your credit report for the entire period and will be marked as paid.

Before paying any credit default, speak to our team for free advice. Often times a credit default may be stat barred meaning you may not need to make any payment.

To prevent credit defaults, prioritize timely payments, communicate with creditors if facing financial challenges, and create a budget to manage your finances effectively. Seeking financial guidance can also be beneficial. If you’re struggling to make payments and have not yet been default listed you can reach out to our team for free advice on immediate steps you can take to avoid a credit default listing.

Yes, it’s possible to obtain a loan after a credit default. However, you may face higher interest rates and stricter terms.

As an experienced credit repair company, we may be able to assist in removing default listing(s) from your credit report which would then give you access to more lenders, better interest rates and better terms.

Reach out to our team for more information.

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Why is good credit important

We take the hassle out of credit repair so you don't have to navigate some of the complex rules and regulations surrounding consumer credit.

Lower interest rates

Achieve financial goals

Better negotiating power

Avoid embarrassment

More lenders to choose from

Increased borrowing power

Don't wait up to 7 years

When information is lodged correctly it can stay on your credit report for up to 7 years. Each piece of information affects your credit score. Let us help you understand your credit report and the information it contains. We may be able to remove information based on a number of factors which may improve your credit score.


5-7 years


7 years


5 years

Enquiry listings

5 years

Repayment History

2 years


1 year

We've built a team of experts

We take the hassle out of credit repair so you don't have to navigate some of the complex rules and regulations surrounding consumer credit.

Read what our clients think

Highly recommend! Best in the industry!
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Highly recommend to anyone who’s looking to fix there credit score/report. He responds almost instantly and keeps in regular contact through out the whole process. With awesome results!
Very professional .No nonsense service
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I used this company to sort out a couple of issues i had on my credit file. They done what they said they would do and no hassle. Would recommend them to everyone that has some issues.
So grateful
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The gentleman that helped me with my situation was straight forward with me at all times and always friendly and polite. Always available to speak with me and answer my questions. Just a great person to help me so quickly
Rachelle Wilkins
Rachelle Wilkins
100% happy
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So happy with everything Richard has done. Always talking me through step by step and super fast and effective. Would recommend this company. Now my future begins.
Kody James
Kody James
Great team, they are unbelievable at their job!
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I would recommend big tick to all family and friends, especially if you don’t understand the process of defaults or how they affect you. Thank you big tick credit repair!!
Over the years many enquires and…
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Over the years many enquires and defaults and credit check has worked on my file with exemplary results and in a perfect manner of time
Exceptional Service and Quick Outcomes
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They are very caring and understanding, they definitely know what they are doing, they provide frequent updates giving you confidence and peace of mind throughout the process. Very grateful.

Get started in just one easy step

Speak with us

Book a callback or call to speak with one of our trusted specialists for a free and confidential credit repair assessment.

We get to work

Relax while our team get to work repairing your credit file. You authorise us to contact credit providers on your behalf.


We will let you know when your matters are complete and will provide you with an updated copy of your credit report.