Got Bad Credit?

Our team of expert solicitors can act on your behalf, aspiring to improve your credit rating and maximise your likelihood to obtain loan approval with a lender.



Been declined for a loan because of your credit rating?

Our team of expert solicitors can act on your behalf, aspiring to improve your credit rating and maximise your likelihood to obtain loan approval with a lender.



Paying too much interest on your loan, and can't refinance because of your credit score?

Our team of expert solicitors can act on your behalf, aspiring to improve your credit rating and maximise your likelihood to obtain loan approval with a lender

You may be wondering

Why Us?



Fantastic job,
Well priced and very informative of the process.
Thank you for all the help

Timothy R

Huge Thankyou to Pasha and Neda for their relentless work on my matter, all marks completely cleared in as little time as possible. I have previously paid a previous company and had no success crs have literally been amazing and are great at their job.

I will be recommending them.

Kayla F

The team at CRS are an absolute gem!! Words cannot describe how grateful I am for all their hard work!! Highly recommended as they will go above and beyond for their clients and gets the results super fast!! Thank you CRS

Bec J
Fast and efficient service.
CRS has helped a number of my clients and has had great success each time.
I could not recommend them highly enough.
Thank you the team CRS for all your help.
Straun M
I was very satisfied with the prompt services of the team at Credit Repair Solicitors. They were highly responsive, transparent, and honest. They provided a free initial assessment to determine if they could truly assist me, which gave me great peace of mind.
Nora F


Q: What is a credit report?
A: A credit report is a brief collation of your data that informs creditors about you, your reliability and your credit history. Each report usually consists of your personal details, employment history, a list of lenders you’ve applied to, any late payments, defaults or judgments, clear-outs, crossed or linked files, bankruptcies and current or previous directorships – all this information is collated in one area and gives a score. Your credit score is used by creditors to assess your credit worthiness.
Q: What is my score made up of?
A: Every time you make an application for a credit card, home loan, car finance, personal loan, in-store finance or any form of credit, the information on your credit file is reviewed by the lender to determine if you will be responsible for the amount that you are asking to borrow. If there are any adverse entries on the credit file, it can influence a credit provider to either decline your application or add a premium to the interest rate to compensate for the perceived added risk. Therefore, it is a good idea for you to review your credit file periodically and make sure that the information in the file is accurate. If your score is too low, you will be automatically declined for a loan.  
Q: How does a default come about?

A: A default occurs when an amount (more than $150.00), is not paid or becomes overdue. After a certain period, a creditor can list a default against an individual if the amount remains unpaid and reminders have been sent to request payment. What type of accounts can be defaulted? Defaults can be listed following overdue accounts, bills or credit contracts, including but not limited to;

  • Telecommunication Contracts
  • Utility Services
  • Credit Cards/Personal loans
  • Home Loans
  • Equipment Finance
Q: I did not know I had an overdue bill/judgement against me, can I get this default/judgement removed?
A: Unfortunately, there is no short answer to this. Our Team will need to analyse your personal circumstances to determine what exactly has occurred and to advise you if we are able to assist you.
Q: I can still get a loan even though I have a default/s, why should I repair my credit?
A: Whilst there may be Lenders willing to approve a loan despite the credit infringement on your credit report, you will most likely be paying interest at a much higher rate. Over time, the higher interest you would pay is likely to far outweigh the amount it would cost you to clear your Credit file. However, if you succeed in clearing the default issues this will increase your likelihood to obtain finance at a more competitive interest rate.
Q: The creditor said that they would remove the default once I pay it, is this true?
A: In many instances, creditors may advise that they will “update” or “improve” your credit file once you have paid. Although this may be true – in that they will update the default to paid (which will improve your score) – it does not mean they will remove the default completely. By allowing us to represent you, we will ensure that the creditor does not use misleading language – we can ensure that once we have received consent for the removal of the default, that it will be removed from your file in a timely manner. 
Q: I have no defaults, why is my score so low?
A: A credit score can be affected in many different ways. You may have had too many enquiries in a short period of time. It could also be that you missed some payments on one of your credit accounts and this has been reported to the Credit Reporting Bodies such as Equifax, Illion and/or Experian.
Q: How long will the process take?
A: Generally, matters can be dealt with within 4-6 weeks, as creditors are obligated to respond within 30 days of a complaint.  Some matters can exceed this time frame where it is of an extremely complex nature and requires further negotiations.
Q: The default is going to drop off my report as it is reaching it’s 5-year limit, why should I pay it?
A: Unfortunately, just because a default is dropping off, it does not necessarily mean that the debt is no longer owing or does not exist. Creditors can still chase you for outstanding debts and obtain judgements against you to retrieve their outstanding money. We can represent you in negotiations with Creditors regarding a debt on your behalf, so that in the future it does not return to negatively impact you.
Q: How long does a default stay on my record?
A: A default listing of an overdue account can stay on your credit file for up to 7 years based on the seriousness of the credit infringement. Other types of infringements are; External Administrations Previous Directorships Bankruptcy, Part 9 Debt Agreements Serious Credit Infringement Credit Enquiry Payment Defaults Court Judgement/Writs
Q: I have paid the debt, why is it still on my file?
A: Paying a debt does not simply remove the default from your report. Only defaults that have been listed against you incorrectly or in error can be removed.
Q: Can I repair my credit file myself?
A: Yes, you can. Like many areas of Australian law, you are able to represent yourself.  However, Credit Repair is a very complex area of law that may take up many hours of your time, and at the end you may not prove successful.   Our Team of expert solicitors is qualified to shoulder the burden off of you, and will maximise your chances of successfully clearing your credit file.
Q: Can Credit Repair Solicitors assist with debt negotiation?
A: As Australian solicitors, we have the skillset and expertise to facilitate a successful negotiation which is in your best interests.


a free consultation

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