How to wipe the slate clean
In many cases negative listings are incorrect or not lawful and in those cases, we can remove them. Learn how to remove negative listings from your credit file.
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How to Remove Negative Listings from your Credit File

Your Credit File

The way to remove a negative listing really depends on the nature of the listing itself. In the case of payment defaults and judgements, it is all about applying the correct legislation that is in place to protect the consumer against how the listing was originally entered by the credit provider. 

When a credit provider enters a negative listing against someone, they are required to follow a very strict process before they are legally allowed to enter a listing on a credit report. In many cases this process is not followed and on this basis many negative listings can be removed from a credit file.

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Court Judgements on Your Credit File

Listings such as Court Judgements are dealt with in a very different fashion. Although it is helpful to identify an inconsistency with the listing, a Court Judgment does not necessarily need to be faulty or contestable to be removed from a credit file. Much of this process is dependent on the Plaintiff being agreeable to allow for the discontinuance of the matter. For this reason it can be advantageous if the Court Judgment is unpaid as the payment of the amount outstanding can often be used as leverage for cooperation from the Plaintiff and ultimately the removal of the listing from a credit report.

So when looking to remove negative listings from your credit file, court judgements are not always as scary as they sound. Clean Credit specialises in credit repair. Our team of credit experts are highly experienced and know the relevant laws and legislation about credit reporting in Australia. We have also built strong professional relationships with many credit providers, meaning we can offer an efficient and highly successful service.

Clean Credit has helped many people remove negative credit items such as defaults and judgements from their credit files, allowing them to restore their credit rating and secure credit once again.

 

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