Late Payment Removal
Welcome To CRS — Australia's largest & most trusted late payment removal & credit restoration firm
Do you have a low credit score or find it difficult to get a low-interest loan due to a history of late repayments?
At CRS we can remove late payments to help you achieve your financial and personal goals.
Credit providers can record late or missed payments on your credit file as part of your repayment history information. Late payments on your credit report can affect your ability to borrow in future.
Credit providers, like banks and lenders, have begun placing more emphasis on late repayment history — drastically affecting many Australians’ credit scores and creditworthiness.
Your repayment history does not include the amount of any missed payment, only the fact that you have made or missed a payment — meaning even small missed payments can harm your credit score. This is where credit repair specialists can help.
We can analyse your situation to determine if there are reasonable grounds to remove late payments and improve your credit score. Contact us today for an obligation-free consultation.
Why Trust CRS?
- We’re committed to providing an excellent level of service to our clients
- We’ve assisted thousands of Australians in the same situation
- We have lawyers specialising in credit reporting, credit repair laws and credit restoration
- We provide fixed-fee service for your peace of mind
- We have a satisfaction guarantee
- We’re gold members of the Law Society and accredited with the Australian Institute of Credit Management and AFCA
Improve your credit score with CRS
If you’ve got missed payments on your credit report, our specialist lawyers are here to help — but CRS offers so much more than just late payment removal. Our experts can assist with a default on your credit report, even if the debt is yours. There are many legislative requirements a creditor has to meet before they can list a default, and our team has the experience to find where they haven’t complied. We may also be able to remove a judgement from your credit report by presenting your case to court. Whether you have an enquiry or default on your credit report, or you need help with debt negotiation, CRS can help make sure your credit score doesn’t hold you back.
A message from our Principal Solicitor
Here is what Ben our previous client had to say...
I didn’t know what to expect when I engaged CRS but I was quickly impressed with they were so professional, caring and responsive in dealing with my matter. Service and communication was A+, highly recommended to anyone seeking assistance in this area.
If you want to feel satisfied like Ben does, contact us now to get started or call 1300 004 912 for a no-obligation consultation
FAQs
Late payment removal is a service aimed at improving your credit report by addressing reported late payments. At Credit Repair Solicitors, we work with credit reporting bodies to remove or update late payment records that may be inaccurate, outdated, or unfair. We review your payment history, identify potential errors, and liaise with creditors and reporting agencies on your behalf. We can also negotiate with creditors on your behalf to have late payments removed from your credit report. Our goal is to ensure your credit history accurately reflects your financial behaviour, potentially improving your credit scoring.
Yes, it’s possible to have late payments removed from your credit report under certain circumstances. These may include:
- If the late payment was reported in error
- If you experienced financial hardship at the time
- If the late payment is older than the allowed reporting period
If you make a payment more than 14 days after the due date, this payment is considered missed. Generally, late payments can be reported for up to two years, while defaults stay on your credit report for five years. However, each case is unique, and our team can assess your situation to determine the best course of action.
Using a professional late payment removal service like Credit Repair Solicitors offers several advantages:
- Expertise in navigating complex credit laws and regulations
- Time-saving, as we handle all communications with credit bureaus and creditors
- Potential improvement in your credit score
- Increased chances of success in removing unfair or inaccurate listings
- Advice on maintaining good credit history moving forward
Our service aims to help you present the best possible financial profile when applying for credit cards, loans, or other financial products.
Removing late payments can potentially impact your credit score positively. Your payment history is a significant factor in determining your creditworthiness. By removing records of late payments, especially those within the past two years, you may see an improvement in your score.
However, it’s important to note that credit scoring is complex. While removing late payments can help, maintaining good financial habits is crucial. This includes making repayments on time and managing your credit cards responsibly. Remember, repayment history information is recorded on your credit for two years, and consistently meeting your payment due dates is the best way to build a strong credit profile.
At Credit Repair Solicitors, we not only work on removing unfair late payment records but also provide guidance on how to maintain a positive credit standing.
Contact Us
