A bank sent the default notices to an old address, so she never knew a small debt was overdue until a credit check found it. The default came off in 60 days. Here is the detail that made the difference.
Five years is the usual sentence for a default, but it is not always the end of the story. Discover when a listing can come off early and why paying the debt alone does not shorten the clock.
Stuck with a default and told nothing can be done? Paying it will not wipe it, but a listing that broke the rules can come off. Learn the step by step path to challenging a default with Equifax and Experian.
The complete list of things debt collectors cannot legally do in Australia — from call limits to fake court letters. Backed by Commonwealth law with penalties up to $10 million.
One default on your parents' credit file could mean thousands in excess home loan interest every year. In 91.6% of cases, that default contains errors and can be removed.
Debt collectors design letters to look like court documents. Under ACCC/ASIC guidelines, that's illegal. Learn how to spot fake legal letters and what to do about them.
From demanding written communication to requesting original contracts — these four Australian consumer rights change the power dynamic with debt collectors instantly.
Creditors target people they think won't challenge a default. But they get the process wrong 91.6% of the time. Learn the rules they hope you never discover.
Debt collectors threatening to contact your employer is illegal under Australian law. Learn your rights under ACCC/ASIC guidelines and what to do if they've crossed the line.
An independently audited 91.6% of credit file defaults contain compliance failures. Find out if your default can be legally removed under the Privacy Act.
Debt collectors who demand you prove you don't owe a debt are lying. The burden of proof lies with them. The Federal Court confirmed it in ACCC v Panthera Finance.
The myth that checking your own credit score lowers it stops millions of Australians from finding errors. Soft enquiries have zero impact. Here's the truth.
In the Esanda case, repo agents jumped a gate, opened a garage, and pinned a debtor to the ground. The court ruled it unconscionable. Know your car repossession rights.
Real estate agents are checking credit files as part of rental applications. A default from years ago could cost you housing in today's brutal rental market.
Excite Mobile created fake agencies, threatened to seize children's toys, and targeted vulnerable communities. The Federal Court fined them $555,000. Here's what happened.
