Worst Repayment History Removal

What Is Worst Repayment History and How Does It Affect Your Credit Score?

In Australia, your repayment history information (RHI) is recorded on your credit file and includes whether you’ve made your repayments on time each month. If you miss payments or pay late, this is marked and can lead to what’s known as Worst Repayment History—a serious indicator of financial distress.

Can Worst Repayment History Be Removed?

Yes, in certain cases, it is possible to remove or correct your repayment history, especially if:
  • The listing is inaccurate or not yours
  • You were experiencing financial hardship and were not properly informed of your rights
  • The credit provider failed to notify you as required by law
  • You were misled or never agreed to the credit terms
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How Worst Repayment History Affects You

Having missed or late payments on your credit file can cause:
  • Loan and credit card application rejections
  • Higher interest rates due to perceived risk
  • Difficulty getting approved for car finance, home loans, or rental properties
  • Long-term damage to your credit file—even if the account is now up to date
Lenders use this information to assess how reliably you meet your financial obligations, making repayment history removal critical if you want to repair your credit score.

If you're asking:

  • How do I remove late payments from my credit file in Australia?
  • Can I fix my repayment history to improve my credit score?
  • Can incorrect repayment history be disputed?

The answer is yes—with professional credit repair support.

How Credit Report Experts Australia Can Help

At Credit Report Experts Australia, we specialise in identifying and challenging incorrect or unfair repayment history listings. Our
licensed team will:

  • Review your credit report for inaccurate or misleading repayment entries
  • Investigate whether proper procedures were followed by the creditor
  • Dispute the listing with credit reporting bodies and escalate if necessary
  • Support repayment history removal to help restore your score
We’re here to help you fix your credit history, remove negative listings, and get your financial future back on track.

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

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Start Fixing Your Credit Today

If late payment history is holding you back from getting approved, don’t wait. At Credit Report Experts Australia, we’re ready to help you challenge unfair listings and improve your credit file.

Call us now or book your free, no-obligation credit assessment and take the first step toward a stronger financial future.

Call 1800 319 772
Talk to a credit report expert