He called his energy provider five times over 14 months asking for a bill. When one finally arrived, a default followed soon after. Removed in 1 day. See why the provider gave in so quickly.
Shopping for a mortgage can spray enquiries across your credit file in a week. Learn how smart brokers prevent enquiry spikes and clean up the file before a single application goes in.
Brokers often spot unlawful credit reporting before their clients do. Learn the red flags that point to a non compliant listing and why early referral saves deals that would otherwise die on the panel.
A newcomer paid a small energy bill within days, yet a default still landed on his file and a collector wanted a fee to remove it. We refused to pay. Find out how it came off without a cent.
Facing a damaged credit file and drowning in ads promising quick fixes? There are really only three paths. Learn which one suits your situation and the warning signs that tell you to walk away.
Did you genuinely owe the debt? A default can still be removable. Learn why a real debt and a lawful listing are not the same thing, and the checks that uncover a way out.
A tradie bought materials on account, then his own clients did not pay. A $37,000 supplier default stood between him and building his home. It came off in 14 days. Find out what the supplier could not prove.
A burst of credit applications can do more damage than one big loan check. Learn why enquiry clusters trigger declines, which enquiries can be removed and how to stop the bleeding before your next application.
A multi million dollar fine against a credit bureau is a warning sign for every borrower. Learn what the Equifax penalty means for your rights and why your score matters less than the listings behind it.
No defaults, no judgments, yet a low score was blocking a home loan. The culprit was a row of small lender enquiries. Three came off in a single day. See the different reason each lender agreed.
ASIC keeps putting payday lenders and credit repairers under the microscope. Learn what the crackdown means for you and the simple checks that separate a legitimate firm from a costly mistake.
No defaults but still getting knocked back? Late marks in your repayment history could be the culprit. Learn how lenders read RHI, which marks can be disputed and how to protect your next application.
She put her sister's car loan in her own name as a favour, then learned it was never paid off when a home loan was declined. The ombudsman ordered the default removed plus compensation. Here is how.
Found accounts on your credit file you never opened? Identity theft can wreck your borrowing power fast. Learn the steps to take in the first 48 hours and how fraudulent listings get removed.
Think a default only comes off once you pay it? That is the biggest myth in credit repair. Learn why compliance, not payment, decides whether an unpaid default can be removed.
