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.
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.
Specific creditors
Optus Default Credit File: How to Read the Listing and Check for Errors
Optus default on your credit file? Learn how to read the listing, spot errors in dates or amounts, and understand when it may be worth challenging.
Specific creditors
ANZ Default Credit File: What the Listing Looks Like and How to Challenge It
How ANZ defaults appear on your credit file and when you may have grounds to challenge the listing through the formal dispute process.
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.
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.
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.
Removal grounds
Defaults and Hardship: Were You in Hardship When the Default Was Listed?
Were you in financial hardship when your default was listed? Learn your rights under Australian credit laws and when hardship may affect default validity.
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.
Compliance & rights
Court judgement vs writ vs default listing: The 90-second visual guide every Australian gets wrong
Learn the critical differences between court judgements, writs and default listings. This visual guide explains which affects your credit file.