1. Why do I need credit repair?

    If you don't repair your credit, you will suffer the consequences of having bad credit. For instance, your loan application may be rejected, or you may not be eligible for a mortgage. But if you have an improved credit score, you increase your odds of having that loan or finance application approved.

  2. How long is information kept within my credit file?

    1. Credit inquiries and court judgments will stay in your credit file for five years.
    2. Bankruptcy, Clearouts, and Part 9 Debt Agreements remain in your credit file for seven years.
    3. Summons and court writs stay in your credit file for four years.
    4. Former directorships and external administration stay for ten years.

  3. How long does a default remain in my credit file?

    The default remains in your file for at least five years. The default remains in your credit file once your payment is at least $150 overdue for at least a couple of months or more. Generally, settling or paying a default will not remove the default since your file would be updated to show that you've paid for it.

  4. If I intentionally did something wrong in the past by not paying my account, can the default still be lifted?

    Yes. But only if the company didn't follow legislation while listing the default, which makes it disputable.

  5. I only have a small $150 phone account inside my credit card from 5 years ago, should I still opt for your service even if it's just a small matter?

    Yes. Even Something as small as electricity, phone, or any utility bill can negatively affect on the interest on your loans and your finances.

  6. If companies haven't followed proper procedures while listing by default, can it be removed for free?

    Yes. But the outstanding debt will remain and must, therefore, be finalized.

  7. Should I go to you?

    Not necessarily. Our company operates throughout Australia and offers services through email, fax, and mail for the satisfaction of our customers. You can opt for our services in the comfort of your home.

  8. Your fee is more significant than the default on my credit record. Isn't it better for me to pay the default instead and proceed with the financial application?

    While paying overdue accounts is highly recommended, it doesn't get rid of the credit file but only labels it as paid, and you're still categorized as credit impaired.

  9. Are a judgment and default the same?

    No. Judgements are processed in the courts while the default is listed by the provider directly to your credit report agency.

  10. Does your service guarantee success?

    It would depend on how bad your situation is. But if you don't get results with the credit reporting bodies, we can apply with the proper courts or ombudsman for free.

For your best credit repair in Australia, we will pull out all the stops to dispute the errors on your file. And you don’t pay for it until it’s settled. Contact us to speak with our credit repair specialists and get your file checked.

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