Remove Default

What Are Credit Defaults and How Do They Affect Your Credit Score?

A default is a serious negative listing on your credit report. In Australia, a credit provider can list a default when you fail to make payments on a loan, credit card, or utility bill for 60 days or more, and the amount owing is $150 or more. Defaults can stay on your credit file for up to five years, even if the debt is later paid—making it difficult to get approved for finance.

How Defaults Damage Your Credit

Having one or more defaults on your credit report can significantly lower your credit score. This often results in:

  • Loan and credit card application rejections
  • Higher interest rates
  • Reduced borrowing capacity
  • Difficulty renting a home or getting utilities connected

Even a single default listing can make lenders question your financial reliability.

Can Defaults Be Removed?

Yes, under certain conditions, defaults can be removed from your credit file if a credit provider failed to follow correct procedures.

If you’re asking:

  • Can I remove a default from my credit report in Australia?
  • How long does a default stay on my credit file?
  • Is there a way to dispute an unfair default?

The answer is yes—with the help of credit repair specialists who know the law and the process

How Credit Report Experts Australia Can Help

At Credit Report Experts Australia, we specialise in identifying and removing invalid, unfair, or contestable defaults. Our licensed credit report experts will:

  • Conduct a detailed credit investigation based on your situation
  • Higher interest rates
  • Review the creditor’s compliance with legal notice requirements
  • Dispute the default listing with the credit provider and credit reporting agency
  • Escalate the case to regulators or ombudsmen if necessary
Our goal is to help you fix your credit score by clearing inaccurate or unjust default listings from your file.

Why Trust Credit Report Experts Australia?

No Win, No Fee Policy

You won’t pay if we can’t remove the listings.

FREE Credit Report Assessment

We will analyze your credit report to identify any issues and errors.

Licensed and Experienced

Experts in Australian credit law and dispute resolution

Specialists in credit repair Australia

Including repayment history removal, default removal and enquiry dispute

Call 02 9055 9539
Talk to a credit report expert

Start Your Credit Repair Journey Today

If you're struggling to get approved because of defaults, don't let them control your future. Let our expert team at Credit Report Experts Australia help you take the first step toward a better credit score.

📞 Call us now or book your free, no-obligation credit assessment to see if you're eligible for default removal and other credit repair solutions.

Call 1800 319 772
Talk to a credit report expert