Help & Frequently Asked Questions
How can I improve my credit rating?
In order to improve your credit rating, you may need to remove negative listings /black marks from your credit report. These listings can only be removed if you are able to identify an error in the listing which our ‘audit masters here at Clear Credit Solutions specialize in.
If I pay the default or negative listing, will it be removed?
Unfortunately, paying the listing will not remove it from your credit report file and does not mean that you will be able to get approved in the future. A default/black mark stays on your file for 5-7 years.
Why is it important that I repair my credit rating?
It is important to repair your credit rating as this is most likely the reason stopping you from getting a loan approved. It will also save you thousands of dollars every year by allowing you to get loans at lower interest rates.So make the change today and give us a call at Clear Credit Solutions!
How does my credit report affect me?
Your credit report is checked when you apply for credit. If you have a negative listing/default or even a court action on your credit report, you are highly likely to be declined.
What is a default?
A default is also known as an overdue account and is a type of negative listing or black mark which we specialise at removing here at Clear Credit Solutions.
Is credit restoration legal?
Yes, Clear Credit Solutions’ credit restoration process has been designed with top lawyers following legislation and has designed a way of legally improving credit ratings. This is done by removing defaults and negative listings from your credit file.
Can credit restoration be trusted?
It is understandable that you may be skeptical about restoring your credit and while not every listing can be removed, Clear Credit Solutions have removed thousands of defaults and negative listings. If we don’t it costs you nothing! This is because we give you a full refund if unsuccessful.
What happens if my case requires legal advice?
Clear Credit Solutions are not solicitors, however we do employ people with a range of legal experience, in some cases these are lawyers. In very rare cases where a matter is unsuccessful following our escalations process, we may recommend you seek further legal advice, the cost of which is separate. Keeping in mind our no win no fee policy will apply.
What is on my credit report?
Your credit report includes information such as your name, address, employment history, date of birth, a list of creditors who have viewed the report, any late payments, defaults or judgments, clear-outs, crossed or linked files, name changes and bankruptcies etc.
Can I fix my credit file myself?
Yes, just like going to court in front of a magistrate you can represent yourself and unless you have a full understanding of the exact legislation and law, just like a court hearing you have one shot at this to get it right. You will need to be able to identify contestable reasons, liaise with relevant creditors why your credit history has been damaged. The legislation you will need to get familiar with is 8000 pages long and can be found on the ASIC website. If you are in hardship you can seek help from financial counsellors and other community centres whom will charge you no fee.
Why can’t you guarantee my default will be removed?
It is unethical for anyone to guarantee that a listing will definitely be removed, as we don’t make that decision, each case is different and relies on a number of factors therefore no honest organization should give you a guarantee that the black mark will be removed.