Step 1

How to Remove a Default from Your Credit File

You can remove a default from your credit file if it was filed in error. Often people discover that they have bad credit when their loan application is declined, or they attract a high interest rate. Unless you actively seek to remove this default, it can remain on your file for five to seven years. Even if you pay the default, your status will be updated to ‘paid’ yet you will still have a black mark on your record.

Step 2

What You Should Know About Removing a Default from Your Credit File

If you notice any discrepancies on your credit report, you should take steps to remove these to increase your chances of getting loan approval. Consider our list of what you can and can’t get fixed on your credit file.

  • We can restore errors by the credit reporting agency: You can fix data that is incorrect on your credit file such as your personal details, inaccurate debt amount or having the debt listed twice. Our professional staff can readily find out if your details are correct or assist you in amending any of these details.
  • We can fix errors made by the credit provider: Some mistakes on your file may be the result of incorrectly reported information by the credit provider. Examples of these errors include an incorrect listing of overdue payment, not being notified of unpaid debt, listing a default that you were in the process of disputing or, not showing an agreed payment plan with your credit provider. If you have an account made by mistake or due to identity theft, our professionals know the correct procedures and can restore your credit rating on your behalf. 
  • We can’t remove any correct information: Even if you have paid the default, we cannot delete any valid information. Payments of $150 or more that are overdue by more than sixty days will stay on your report for five years.
Step 3

What You Can Expect from Credit Mend Australia Regarding Removing Bad Credit

We provide exceptional customer service.

  • No-obligation consultation: During your initial consultation, our experienced professionals will give you a detailed explanation of our process and explain how we can assist you in restoring your credit file. 
  • Experienced professionals: Our professionals have extensive experience working in the credit restoration industry. We provide quality service and are sure to exhaust every avenue to give you the best chance of restoring your credit and regain financial freedom.
  • Competitive pricing: Our service doesn’t require any payment upfront as we only charge our clients when there is a successful restoration outcome.
Step 4

About Credit Mend Australia

We have more than a decade of experience working in the credit restoration industry. Our professional team are highly knowledgeable about the laws and processes regarding the removal of bad credit and can assist you through the procedure. We have a 97% success rate of removing bad credit scores. We provide a free investigation into your situation and offer competitive pricing for successful applications. 

Contact our friendly and professional staff for an initial consultation to discuss your credit restoration.

We Remove Defaults