Dispute process
What Happens After You Lodge a Default Dispute: The 30-Day Window
Learn what happens during the crucial 30-day window after you lodge a default dispute and what responses to expect from credit providers.
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 scores
How Long Will a Default Hurt Your Credit Score in Australia?
Defaults hurt your credit score for five years in Australia. Learn about the impact, timing rules and when challenging a default may be worthwhile.
Compliance & rights
Defaults and the Privacy Act 1988: Your Rights Under Part IIIA
Part IIIA of the Privacy Act 1988 provides specific protections for Australians when defaults are listed incorrectly on credit files. Know your rights.
Court Judgements
Court Judgement vs Default: What’s the Difference and Why It Matters
Understanding the key differences between court judgements and defaults on your credit file, their impact on finance applications and removal options.
Specific creditors
CBA Default Credit File: How Commonwealth Bank Lists and Reports Defaults
How Commonwealth Bank lists defaults on credit files, the required notice process and when CBA defaults may be open to dispute or review.
Removal grounds
60 Day Rule Default Australia: When the Listing Should Not Have Happened
The 60-day rule protects consumers from premature defaults. Learn when a default listing breaks this rule and may be challengeable under Australian law.
Dispute process
Collection Agency Default Dispute: How Assignment Changes Your Challenge Strategy
Collection agency defaults require different dispute strategies. Learn how debt assignment affects your challenge options and what evidence to request.
Dispute process
Why Removing a Default Isn’t Always Quick (and What Good Looks Like)
Default removal takes time due to legal processes. Learn realistic timelines and what affects dispute duration in Australia.
Identity & fraud
Fraud Marker Credit File: How Disputed Transactions Interact with Default Listings
Fraud markers on credit files indicate disputed transactions or identity theft. Learn how they interact with default listings and when they help disputes.
Compliance & rights
Credit Reporting Privacy Code 2014: A Practical Guide for Consumers
Learn how the Credit Reporting Privacy Code 2014 protects your credit information and when listings may breach compliance requirements.