Joint defaults
Joint Default Credit File: When One Account Affects Two People
Joint default on your credit file? Learn when shared debts appear on both credit files and when the listing may be worth challenging.
Default Gone — the credit dispute blog
Plain-English guides on Australian credit defaults, the Privacy Act, the dispute process, and what we’ve learned running cases. Updated daily.
Credit reports
How to Get a Free Copy of Your Credit Report in Australia (2024 Guide)
Learn how to get your free annual credit report from Australia's three major credit reporting bodies and what to check for errors or issues.
Credit reports
What Is a Credit Default in Australia and How Long Does It Stay on Your File?
Learn what a credit default is, how long it stays on your credit file, and when you may be able to challenge incorrect default listings in Australia.
Dispute process
Old Default Still on Credit File: Is a 5+ Year Default Worth Disputing?
Old default still showing after years? Learn when aged defaults are worth challenging and what removal grounds may still apply to older listings.
Credit scores
Credit Score Factors Australia: What Actually Affects Your Score and What Doesn’t
Understanding what affects your credit score helps you make better financial decisions and avoid surprises when applying for credit.