A home loan application turned up a default for an energy account he had never heard of. A former employer had opened business accounts in his name. Find out how the default was removed.
A single mum paid $4,500 on a statute-barred debt collectors had no right to pursue. The court ordered a full refund. Learn what statute-barred means for your debts.
His ex agreed to pay off the credit card after the split. She did not, and a $4,500 default sank his home loan application. Removed in 22 days. Find out what the bank had to accept.
Signed up for debt consolidation and later found it was something far more serious? Sales labels do not control your credit file. Learn how to tell a refinance from a formal debt agreement before it is too late.
A franchise that never sent the promised work left him with a default when he walked away. When we asked for the records, the creditor had none. Removed in 1 day. See how the request played out.
A tough few months interstate left her with three defaults and a declined finance application. The first answer from the collector was no. The telco default came off in 24 days anyway. Here is how.
Family money promised to finish his house never arrived, and a $34,000 bank default followed. One flaw in the default notice changed everything and the bank agreed to remove it. Find out what it was.
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.
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.
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.
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.
A $36,000 personal loan default landed on her file while she held a family together through a crisis. A closer look showed it was listed in error, and it came off in 7 days. Here is what we found.
He signed as a guarantor long ago and forgot all about it, until a finance application turned up a default he never knew existed. Removed in 61 days. See the missing step that sank the listing.
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.
