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.
Identity & fraud
Identity Theft and a Default You Don’t Recognise: What to Do
Found a default on your credit file that you don't recognise? Identity theft might be involved. Here's what to check and how to dispute fraudulent defaults.
Dispute process
Why Waiting Out a Default Is Usually the Wrong Credit File Strategy
Waiting 5 years for default removal often costs more than disputing. Learn when challenging unfair defaults beats the waiting game.
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.
Specific creditors
Commonwealth Bank Default on Your Credit File: What to Look at First
Commonwealth Bank default blocking your finance? Check these key details first - some CBA defaults may be worth challenging if incorrectly listed.
Specific creditors
ANZ Default Removal: When Australia’s Second Largest Bank Gets the Procedure Wrong
ANZ defaults may be challengeable if proper procedures weren't followed. Learn what to check and when an ANZ default may be worth disputing.
Dispute process
Documents to Dispute a Default: Essential Papers and Where to Find Them
Essential documents for disputing a credit default - from credit reports to payment records. Complete guide to gathering the evidence you need.
Joint defaults
My Partner and I Have the Same Default: What Now? Understanding Joint Defaults
Joint defaults appear on both credit files but must be challenged separately. Learn why the per-individual rule means your partner's success doesn't fix yours.
Compliance & rights
Default listed at wrong address: what happens when you move house and miss the notice
Moved house and missed a default notice? Learn when defaults listed at wrong addresses may breach credit law and your rights to challenge them.
Specific creditors
Optus default credit file: the notice requirement most consumers don’t know about
Got an Optus default? Check whether the notice requirement was properly followed. Many consumers don't know about the specific notice rules that apply.