Updated 2 November 2026. By Graham Doessel.
Repayment history information is the month-by-month grid that shows how accounts were paid. A cluster of late marks can hurt even when you never had a default. Australians often discover RHI only after a broker asks why the score looks fine but the file does not.
Basics: repayment history information.
When late marks may be challengeable
- Wrong account or mixed identity
- Payments that cleared on time but posted late
- Hardship arrangements not reflected correctly
- Provider process failures you can evidence
Genuine late payments you made usually stay for the reporting period. Anyone promising a full wipe of honest RHI is selling fantasy. Buy now pay later now shows up too; see BNPL and your credit file.
Practical steps
- Pull Equifax and Experian
- Screenshot the RHI grids
- Match bank statements to flagged months
- Write to the provider with proof
- Escalate if needed
Cornerstone · our contact form · 1300 667 218.
RHI dispute hygiene
Screenshot grids on both bureaus. Match statements month by month. Write to the provider with proof for mis-posted months. Leave honest late marks alone unless a broader strategy says otherwise. Retention follows credit reporting rules, confirm against your dates.
Equifax and Experian: always both
Australia’s consumer credit reporting bodies are Equifax and Experian. Experian absorbed illion’s consumer bureau from 1 April 2026, so you do not need a separate illion report today. Scores rarely match. Free consumer reports are available every three months (OAIC). After a refusal, ask about free access tied to that decision. Save PDFs, not only score dials.
A simple cleanup order
- Identity and contact data
- Defaults and serious credit infringements
- Judgments
- Enquiries
- Repayment history information
- Hardship flags
Dispute clear errors before you generate new hard enquiries. For broker deals, pause lodgement until the triage is honest. Use app.fixmybadcredit.com.au for a free file analysis once you have the PDFs.
What “good enough” looks like before you apply
You do not need a perfect file. You need an honest map of what lenders will see on Equifax and Experian, a plan for anything non-compliant or incorrect, and enough discipline to stop adding hard enquiries while that plan runs. Brokers would rather wait two weeks for a clean story than inherit four declines.
If a listing is lawful and must age, say so early. If it is challengeable, gather notices and chronologies before you phone the creditor angry. Measured files get better outcomes than chaotic ones.
Internal links worth keeping open: free credit reports, default removal guide, and the credit repair lawyers Australia cornerstone.
Free reports are the starting line
Under Australian credit reporting rules, a credit reporting body must give you a free consumer credit report once every three months (OAIC). You can also seek free access after a credit refusal within the past 90 days, or after a correction. Get Equifax and Experian. Experian absorbed illion’s consumer bureau from 1 April 2026, treat illion as history, not a current third bureau you must pull separately.
Store PDFs somewhere durable. Portal links expire. Score dials without listings are not enough for a dispute or a broker pack.
Common mistakes that keep people in Credit Prison
- Applying again the morning after a decline
- Paying a default because a collector said it would “come off”
- Hiring the loudest repair advert without checking fees or practising status
- Disputing by phone only and keeping no chronology
- Checking one bureau and assuming the other matches
- Ignoring RHI grids because there is no default yet
Most of those mistakes are fixable with process. Start with both free reports, then pick DIY, AFCA/OAIC, or a law firm based on evidence and deadlines, not panic.
How MyCRA usually scopes a file
We ask for both bureau PDFs and a short goal (refinance date, auction, car loan, cleanup). We say if chances look poor. On consumer defaults accepted after initial assessment, our success rate is 91.6%, independently audited by a chartered accountant. Our own records show 29.4% of defaults are removed within 7 days. Fixed fees in writing. From time to time we run a Money Back Guarantee offer on listings with certain creditors. Which creditors it covers changes, so ask us if one is running.
Reach us through our contact form, call 1300 667 218 or 07 3124 7133, book a 15-minute intro call, or write to PO Box 169, Aspley QLD 4034. Full framework: credit repair lawyers Australia.
AFCA, OAIC and patience
IDR with the credit provider comes first for most listing disputes. AFCA is free for eligible consumers complaining about members. OAIC pathways matter for some credit reporting privacy issues. Timelines stretch into weeks or months when facts are contested. If a broker has a hard settlement date, say so early and plan parallel options, including waiting out a compliant listing when that is the honest answer.
National Debt Helpline 1800 007 007 remains the free budgeting and hardship sounding board outside a law firm.
Broker and guarantor realities
Panels do not grade effort. They grade listings, enquiry patterns and serviceability. Guarantors bring a second credit file into the room. Couples who skip the conversation discover it at the worst time. Pause lodging when Equifax or Experian shows a live default, judgment, clearout or short-term credit enquiry cluster, then triage.
Useful companions: pre-loan checklist, when brokers should pause, and free credit file analysis.
Putting it into practice this month
Start with both free Equifax and Experian consumer credit reports. Under OAIC guidance you can access a free consumer credit report from each credit reporting body once every three months, and you should also ask about free access after a credit refusal or after a correction. Save the PDFs. Compare identity details, defaults, serious credit infringements, judgments, enquiries and repayment history information side by side.
Next, write a dated chronology for anything that looks wrong: notices received or not received, hardship emails, payments, address changes, and collector contact. Send a clear written dispute to the credit provider that disclosed the information, attach your evidence, and diary the response timeframes under the Privacy (Credit Reporting) Code. Use the bureau dispute process where required. If the firm is an AFCA member and internal dispute resolution fails, AFCA is free for eligible consumers. OAIC pathways may fit some credit reporting privacy complaints. The National Debt Helpline on 1800 007 007 remains available for budgeting and hardship conversations. Here is how our credit repair process works.
If a broker deadline is close, a judgment or clearout is involved, or the creditor contests the facts, get a legal triage rather than spraying new hard enquiries across lenders. Reach us through our contact form, call 1300 667 218, or book a 15-minute intro call. Read the full framework on our credit repair lawyers Australia cornerstone. On consumer defaults accepted after initial assessment, our success rate is 91.6%, independently audited by a chartered accountant. Our own records show 29.4% of defaults are removed within 7 days. Fixed fees in writing. From time to time we run a Money Back Guarantee offer on listings with certain creditors. Which creditors it covers changes, so ask us if one is running. Postal address: PO Box 169, Aspley QLD 4034.
FAQ
How long do RHI marks stay?
Retention follows credit reporting rules for that information type. Check your listing dates against current CR Code tables.
Is RHI the same as a default?
No. Defaults are separate listings. You can have RHI problems without a default, and the reverse.
General information only. Not legal advice for your circumstances. Liability limited by a scheme approved under Professional Standards Legislation.
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