Fees for Default Removal

We provide fee quotes tailored to your specific situation. All fees are disclosed before work begins.

All fees are fixed and disclosed before work begins. We do not charge additional “success fees”. Results depend on individual circumstances and we do not guarantee removal.

Yes. Whether a default has been paid or not does not affect whether the listing was lodged correctly. If the creditor failed to follow the proper process under the Privacy Act 1988, the listing may be challenged regardless of whether it has been paid.

The investigation and dispute process typically takes 30 to 90 days, depending on the complexity of the case and how quickly the credit reporting body and/or creditor responds. We keep you updated throughout the process.

We’ll need your full name, date of birth, and permission to obtain a copy of your credit file. If you have any correspondence from the creditor about the default — such as the original default notice — that is also helpful but not always required.

We only accept cases where we believe there are genuine grounds for dispute. We do not guarantee removal — results depend on the specific circumstances of your case. However, our thorough investigation approach means we only proceed when we believe the grounds are solid.

Yes, you can lodge a dispute directly with the credit reporting body or the creditor at no cost. However, preparing an effective dispute requires knowledge of the Privacy Act 1988, the Credit Reporting Code, and the specific grounds that credit reporting bodies accept. We handle this professionally.