How Australian credit reporting works now that there are two bureaus, how long each listing lasts, how to dispute errors for free, and which lenders will still say yes.
Get instant access to the complete 26-page guide
Every figure is dated and traceable to a public source. The last section of the guide lists them.
Equifax and Experian, the two-year repayment history, default rules and the retention periods, with OAIC dates.
The 7-day and 30-day rules, escalation to AFCA, and why paid credit repair cannot remove accurate listings.
Specialist lender policy on paid and unpaid defaults, discharged bankruptcy and the path back to a mainstream rate.
What the bureaus hold and who reports to them
Defaults, enquiries, buy now pay later and utilisation
Retention periods and a realistic recovery timeline
Getting both reports free and reading them properly
Correction requests, the statutory clocks and where to escalate
What actually moves the file, and what lenders look for beyond it
Specialist lender policy, published pricing and what it costs
The sequence, and the checklist
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