Credit File Issues & Default Listings
Free Consult
Review your credit file/debt & discuss your circumstances with your case manager
Plan
Provide you with all the options & gather the necessary documents
Implement
Contact your creditors & advocate on your behalf
Outcome
Work towards the most appropriate outcome for your circumstances.
There May Be More Options Than You Realise
Finding out there’s a problem with your credit file can be stressful and confusing, particularly if you’re trying to buy a home, refinance, obtain finance or simply move forward financially.
Many people don’t discover there’s a problem until a loan application is declined.
Others know there are defaults or negative listings on their credit file but don’t know whether anything can be done about them.
Every situation is different.
Understanding what has been recorded, why it has been recorded and whether there may be options available is often the first step towards moving forward.
What Is a Credit File?
A credit file is a record of your credit history.
Depending on your circumstances, it may include information such as:
- Credit enquiries.
- Consumer credit accounts.
- Repayment History Information (RHI).
- Financial Hardship Information (FHI).
- Default listings.
- Court judgments.
- Serious credit infringements.
Many people don’t fully understand what appears on their credit file until they apply for finance.
Common Credit File Concerns
People commonly contact Simple Debt Solutions because:
- A home loan or car loan has been declined.
- They’ve discovered one or more defaults.
- Their repayment history is affecting their borrowing capacity.
- Financial Hardship Information has been recorded.
- Their credit file doesn’t appear to be accurate.
- They simply don’t understand what lenders are seeing.
If this sounds familiar, you’re not alone.
How Simple Debt Solutions May Be Able To Help
Every credit file is different.
We take the time to understand your circumstances, review the available information and explain the options that may be available.
Depending on your situation, we may be able to assist with:
- Reviewing incorrect credit reporting.
- Seeking reviews of default listings where appropriate.
- Repayment History Information concerns.
- Financial Hardship Information concerns.
- Credit reporting resulting from family violence, financial abuse or coercive control.
- Understanding lender reporting obligations.
- Explaining the credit reporting process in plain English.
Many people are surprised to learn there may be options available to challenge incorrect credit reporting or seek reviews in appropriate circumstances.
More Than Just Credit Repair
Credit reporting is only one part of the bigger picture.
Sometimes the issue isn’t the credit file itself.
Sometimes it’s the debt behind it.
Sometimes it’s the circumstances that led to the listing.
Sometimes it’s understanding what lenders are actually looking at.
Simple Debt Solutions looks at the whole situation—not just the credit report.
Our goal is to help you understand your options, identify the most appropriate pathway for your circumstances and move forward with confidence.
Let's Talk
If you’re concerned about your credit file or aren’t sure what to do next, please contact us. We’ll explain your options in plain English and let you know whether we may be able to assist.
