Got rejected because of a default?
Let’s challenge it properly.

One default can hold your life up

You may have paid the debt. You may have moved address. You may have never received a notice. You may have been in hardship. You may simply disagree with the amount. And yet a single default listing on your credit file can mean finance declined, higher interest rates, rentals rejected, business finance held up, or the embarrassment of a broker telling you “there’s a problem on your file”. You do not have to simply accept it without checking whether it was listed correctly.

We challenge defaults where there are grounds to dispute them

Default Gone is a credit dispute service. We review the listing, prepare a structured dispute, send it to the credit provider and the credit reporting body, and track the response on your behalf. We look at issues such as whether proper notice was served, whether the amount, date or account details are correct, whether the payment history was recorded truthfully, whether hardship or payment arrangements were in place, and whether the listing is incomplete or out of date. We do not promise removal. No one honest can. What we do promise is a clear, structured dispute process built around Australian credit reporting rules.

You could do it yourself. Most people don’t want to.

Yes, you can lodge a correction request directly with the credit provider and the credit reporting body. The framework is open to every Australian. Most people are busy, stressed, or unsure where to start — that’s where Default Gone fits. We prepare your dispute, lodge it, track it, and keep you updated.

One flat fee. No games.

$399 per consumer, per default. That covers the review, the dispute preparation, formal lodgement to the credit provider and the credit reporting body, tracking through the response window, follow-up correspondence, and the escalation pathway if it’s required — with updates throughout. No stage fees. No hourly billing. No success fee. No fake “guaranteed removal” pitch.

What can happen?

Removed. The credit provider accepts the dispute and the listing comes off your file.

Corrected. The listing remains but a detail is amended — the amount, the date, the status or the listing entity.

Updated. The status is updated (for example, an outstanding default updated to “paid”).

Declined. The credit provider declines and we tell you exactly what was decided and why; where grounds remain, escalation is included.

We do not sell certainty. We sell the work. Outcomes depend on the facts of each case — we do not guarantee removal.