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.
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.
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.
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.
About to pay someone to fix your credit file? Ask these seven questions first. They will help you spot the operators who overpromise, protect your money and find out whether you even need to pay at all.
