
Remove Credit Default
Amazing people, that actually help and advise you of every single detail. I never knew of the company until a mortgage broker referred me to them. I will be referring to my family and friend s for sure. Thanks so much Amanda and team.
- Jess Siaosi
We help clear credit history and get you back on your financial feet
If you’ve failed to meet a financial obligation, chances are you’re now suffering from a credit default. This could have serious financial and lifestyle repercussions. It can prevent you from accessing future credit, securing loans, and negotiating competitive interest rates right through to forced repossession of an asset such as your house or car.
Credit default removal is essential if you want the financial flexibility and freedom you had before things took a turn for the worse - and we’re here to help make it happen. Experts in all credit repair services, Real Credit Repairers can quickly, thoroughly and effectively clear credit defaults and restore your rating. And best of all - you only pay when we deliver results.
Call our specialists to remove credit default - 1800 841 662
Can you get defaults removed from a credit report?
Yes – under the right circumstances, defaults can be removed from your credit report. If the default is listed in error, the information is inaccurate, or you weren’t notified properly, there may be grounds to dispute it. Even if you do owe the debt, you still have rights—and we can help assess your case.
If your payment is overdue by more than 60 days, the company you owe can initiate a default listing process. You may not even realise until, for example, you one day apply for a loan or a credit card and are denied.
How are defaults listed?
Defaults are listed on your credit report when a payment of $150 or more is overdue by more than 60 days. The creditor must notify you and give you the opportunity to pay before listing it with a credit reporting body. Once listed, it stays on your file for up to five years – even if the debt is eventually paid.
Damage to your credit score
A bad credit score can compromise your chances of ever successfully applying for credit again.
Legal action taken against you
If significant figures are involved, lenders or creditors might take legal action against you. Having a criminal offence to your name is a whole other set of concerns and limitations.
Asset repossession
If you secured a loan with collateral such as your house or car, they may be repossessed so the lender can recover the debt.
Long-lasting financial repercussions
Getting a mortgage, securing the best interest rates and successfully applying for major loans could all be out of reach.
Defaults are listed on your credit report when a payment of $150 or more is overdue by more than 60 days. The creditor must notify you and give you the opportunity to pay before listing it with a credit reporting body. Once listed, it stays on your file for up to five years – even if the debt is eventually paid.
No matter how overwhelming this feels, we’re here to help. So don’t fall any further - reach out to our team.
Call our experts to remove default from your credit file - 1800 841 662
Our credit default removal process
Once a credit default occurs, it can be extremely difficult to remove and can remain against your name for up to seven years. However, there are means and ways to contest and complain. And we’re here to do precisely that for you.
Step 1: Have a chat with a credit repair specialist
We start with a no-obligation consultation to understand your situation and review your credit report. If you don’t have one we can order it within 30 minutes from Equifax or all three credit reporting bodies.Step 2: We investigate with credit providers and we dispute your negative marks on your behalf.
Our team gets to work investigating the default – looking for incorrect listings, missing notices or unfair procedures using the strength of their knowledge on the privacy act and legislation with over 10 years experience.Step 3: We dispute the default
If there are valid grounds for removal, we lodge disputes directly with creditors or credit reporting agencies.Step 4: Credit restoration
We help clean up your credit file and advise on improving your score for future lending opportunities.
Eligibility for default removal
Not all defaults are eligible for removal – but many are. If your default was listed unfairly, without proper notice, or under extenuating circumstances, you may be eligible. The best way to find out? Speak to one of our experts – it’s completely free to get assessed.
What if the default can't be removed?
In some cases, a default can’t be removed – but that doesn’t mean you’re stuck. We’ll guide you through ways to manage the debt and improve your credit score in the meantime. That might include working out a repayment plan or strengthening other parts of your credit file. We also have a great relationship with many lenders and might be able to give you that second chance especially if you have suffered from financial hardship that was not your fault.
Do you offer debt negotiation or payment plans?
Absolutely. If your debts are still outstanding, we can often negotiate on your behalf – reducing your repayment amounts, stopping interest from accruing, or arranging a realistic payment schedule with your creditor.
Can you help improve credit score in other ways while the default stays on file?
Yes – and we do it all the time. Even if a default remains, we can help you rebuild your score by correcting other issues on your file, helping you understand credit behaviour, and removing additional negative entries (like excessive inquiries or outdated info).
How do I know if I have a credit default?
If you've been denied credit or a loan and aren't sure why, a default could be the reason. You can check your credit file for free through major credit reporting agencies like Equifax, Experian or illion. If you’re not sure where to start, we offer a free credit report review to help you figure it out.
Dispute a default on your credit report.
Manage your response to court actions.
Initiate official enquiries on your behalf.
Investigate and resolve mixed identity or incorrect personal information issues.
Ways you can end up with a credit default listing
You can end up with a credit default for many reasons. Failing to make a loan payment, filing for bankruptcy, defaulting on a bond, and even not paying a utility bill can all lead to a black mark against your name (essentially a red flag warning to lenders).
If your payment is overdue by more than 60 days, the company you owe can initiate a default listing process. You may not even realise until, for example, you one day apply for a loan or a credit card and are denied.
A default listing can have serious consequences
Even if it’s just for a relatively small amount, a black mark against your name can wreak havoc in many ways.
Damage to your credit score
A bad credit score can compromise your chances of ever successfully applying for credit again.
Legal action taken against you
If significant figures are involved, lenders or creditors might take legal action against you. Having a criminal offence to your name is a whole other set of concerns and limitations.
Asset repossession
If you secured a loan with collateral such as your house or car, they may be repossessed so the lender can recover the debt.
Long-lasting financial repercussions
Getting a mortgage, securing the best interest rates and successfully applying for major loans could all be out of reach.
A default cannot be removed simply by you making a late payment. If the lender has made a mistake or the default occurred due to circumstances outside your control (for example, a natural disaster), you may have recourse.
No matter how overwhelming this feels, we’re here to help. So don’t fall any further – reach out to our team.
Call our experts to remove default from your credit file – 1800 945 140
Explore Our Other Real Credit Repair Services
At Real Credit Repair, we fix bad credit fast and effectively. We’ve helped many clients restore their credit scores, removing financial barriers. Explore our top services below:
Secure your financial future with Real Credit Repair. Call us today at 1800 841 662 or visit our Contact Us page to explore your options.
Why Real Credit Repairers to clear credit defaults
✓ Ten years of experience in credit repair
✓ Strong relationships with creditors and lenders
✓ No win, no fee - that’s fair!
✓ Affordable, competitive rates
✓ Our team is quick, responsive and committed to genuinely helping you
Contact us to remove credit default
Don’t stress - let’s fix this! Call our friendly, knowledgeable team today and let’s put a plan in place to sort this problem out for you.
Frequently Asked Questions About Credit Defaults
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A credit default occurs when borrowers fail to meet their repayment obligations and breach a contract with their lender or creditor.
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Defaults, court actions and enquiries remain on credit files for five years here in Australia. However, serious credit infringements remain for seven years.
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First - don’t stress and don’t panic. Contact our team of experts. We are very familiar with the processes and protocols involved, and we know how to go about this as efficiently and effectively as possible.
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The answer depends on many factors, and there is no one-size-fits-all response. You could expect anywhere from 50 to 300 points.
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Each case is different, but many clients start seeing movement within a few weeks. We'll give you a more specific timeframe after we assess your situation.
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It depends on your case, but you might need loan contracts, payment records, default notices, or proof of extenuating circumstances. We’ll guide you through it step-by-step.
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Unfortunately, no. Paying the debt doesn't remove the default – it only changes the status to “paid”. The listing will still stay on your report for up to five years unless successfully challenged.
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A default is a missed payment that’s been reported to a credit agency. A judgment is a court order resulting from legal action taken against you for unpaid debt – it's more serious and harder to dispute.
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We offer a free assessment, and the cost of removal depends on the complexity of your case. Get in touch with us for a personalised quote – no pressure and no upfront payment required.