Consumer Credit Corrections
Fixing the record for a fair finance outcome
If your broker has flagged a problem with your credit report, or you've been declined and don't know why, you're in the right place. Credit file errors are more common than most people realise — and more technical than most people expect. We conduct a manual investigation of every listing on your file to identify what's wrong, why it's wrong, and what can be done about it.
Common Issues We See
Unsubstantiated Defaults
Listings placed on your file without the required legal notices or actual evidence of the debt.
Non-Compliant Enquiries
Addressing credit enquiries where the lender failed to meet disclosure requirements or lacked a valid permissible purpose to access your file.
RHI Errors
Incorrectly reported history that fails to reflect your actual payment behaviour or an agreed hardship period.
Unrecognised or New Hardship
Identifying retrospective hardship claims, addressing breaches of existing arrangements, or negotiating new protections to ensure your credit file accurately reflects your circumstances.
Duplicate Listings
The same debt or application reported multiple times, which unfairly suppresses your score.
Strategic Outcomes for Individuals
We provide the technical expertise to ensure your credit history supports your growth, not hinders it.
Home Loan & Finance Readiness
We work to move your status from "Declined" to "Approved" - ensuring your file meets strict bank lending criteria so you can get the finance you're actually eligible for.
Better Rates, Better Terms
An accurate file doesn't just get you approved; it can qualify you for lower interest rates and better finance terms. The difference on a mortgage can be significant.
Hardship Advocacy & Protection
We help you understand your rights around financial hardship and negotiate directly with lenders to have that history correctly reflected on your file.