Australian Credit Solutions

What Australian Credit Solutions does

Australian Credit Solutions (ACS) is an ASIC-licensed, solicitor-led credit repair firm operating as a division of Fogarty Oliver and Rothschild, Solicitors & Legal Consultants. Founded in 2014 by Principal Solicitor Elisa Rothschild (BA/LLB, Monash University), the company specialises in identifying and disputing negative credit file entries — defaults, court judgements, credit enquiries, and incorrect repayment history markers — held by Equifax, Experian, and Illion. Disputes are prepared and overseen by qualified solicitors who draft formal legal correspondence citing specific provisions of the Privacy Act 1988 (Part IIIA) and the Credit Reporting Code, including Section 21D notice failures, listing during active disputes, incorrect amounts, and statute-barred debts. The company reports over 30,000 listings removed since inception with a 98% success rate on accepted cases.

The business operates on a two-tier pricing model: a small upfront administration fee covering credit file retrieval across all three bureaus, professional analysis, case setup, and initial lodgement, followed by an outcome-based success fee charged only if a listing is successfully removed (No Win No Fee, with flexible payment plans). Acquisition runs primarily through a free 60-second credit file assessment on the company website, with parallel partner referrals from mortgage brokers, finance brokers, car dealerships, and accountants, supported by an embeddable financial calculator suite distributed across partner websites. Customer segments span individual consumers facing home loan, car finance, or personal loan rejection due to negative listings, plus specialised clients in BNPL defaults, post-bankruptcy, post-divorce, and identity theft recovery.

ACS services all eight Australian states and territories through a national delivery model originating from its Melbourne CBD headquarters at 805/220 Collins Street, with employees in the 51–100 range and brand credibility anchored by 975+ verified ProductReview.com.au reviews at 5.0/5, 215+ Google reviews at 4.7/5, and four Industry Excellence Awards spanning 2022, 2023, 2024 and 2026. No external funding, M&A activity, or institutional ownership is referenced; the company is founder-led with regulatory positioning (ASIC ACL 532003, AFCA membership) functioning as its primary market differentiator.

Name

Australian Credit Solutions

Legal name

Australian Credit Solutions Pty Ltd

Website

https://australiancreditsolutions.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

Australian Credit Solutions is an ASIC-licensed, solicitor-led credit repair firm that removes defaults, court judgements, and credit enquiries from Australian consumer credit files via Privacy Act 1988 disputes on a No Win No Fee basis, serving individuals nationwide.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Credit repair services
• Default removal
• Credit file disputes
• Credit score improvement
• Lawyer-led credit repair

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Credit File Assessment & Case Setup (Admin Fee): A small upfront administration fee covers credit report retrieval from all three bureaus, professional credit file analysis, case file setup, and initial dispute lodgement. This is charged after the free initial assessment and before formal case acceptance.
2. Success Fee on Listing Removal: A success fee is charged only when a credit listing (default, court judgement, credit enquiry, or repayment history entry) is successfully removed from the client's credit file. The exact amount is confirmed in writing after the file is reviewed. This aligns ACS's revenue directly with client outcomes. Flexible payment plans are available. No Win No Fee means no success fee is charged if the listing is not removed.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Australian Credit Solutions provides solicitor-led credit repair services for Australian consumers, identifying and disputing negative credit file entries (defaults, court judgements, credit enquiries, repayment history markers) recorded in breach of the Privacy Act 1988 and the Credit Reporting Code. Operating under ASIC Australian Credit Licence ACL 532003 as a division of Fogarty Oliver and Rothschild, Solicitors & Legal Consultants, the firm prepares formal legal correspondence on behalf of clients across all three Australian credit bureaus (Equifax, Experian, Illion). The service follows a No Win No Fee model with a small upfront admin fee and an outcome-based success fee charged only when a listing is removed.

Product overview

Australian Credit Solutions operates as a solicitor-led credit repair platform offering a suite of services under lawyer supervision to identify and remove negative credit file entries. The core product is the Credit Repair Services umbrella, supported by specialised modules for Default Removal (including Paid Default, Multiple Defaults, Telco/Utility Defaults, and BNPL Defaults), Court Judgement Removal, Credit Enquiry Removal, Credit Report Analysis, Credit Score Improvement, and Identity Theft Recovery. The company also provides targeted services for Bankruptcy Credit Repair, Post-Debt Agreement recovery, and Divorce-related credit issues. An ancillary offering is the embeddable Financial Calculators Suite for brokers and partners. The No Win No Fee pricing model applies to the core credit repair service.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Repair Services Complete credit file repair service led by qualified solicitors under ASIC ACL 532003. Identifies and disputes negative credit file entries listed in breach of the Privacy Act 1988, including defaults, court judgments, and credit enquiries on files held by Equifax, Experian, and Illion. No Win No Fee on the success fee component.
• Default Removal Removal of paid and unpaid defaults from credit files using legal challenges based on Privacy Act 1988 breaches, including Section 21D notice failures, incorrect amounts, and disputed debts. Covers telco/utility defaults, BNPL (Afterpay/Zip) defaults following June 2025 regulatory changes, paid defaults, and multiple defaults across the credit file.
• Court Judgement Removal Removal of court judgements from credit files where grounds exist, including procedural defects, jurisdictional errors, identity confusion, or successful set-aside applications through the relevant court.
• Credit Enquiry Removal Removal of excessive or unauthorised credit enquiries from credit files, including automatic limit increase enquiries not explicitly requested by the client.
• Repayment History Disputes Correction of negative repayment history entries (late payment markers) under Comprehensive Credit Reporting where incorrect 30/60/90-day late markers were recorded on credit files.
• Identity Theft Recovery Credit repair service for victims of identity theft, addressing fraudulent accounts, enquiries, or defaults created using stolen personal details under the Privacy Act 1988.
• Bankruptcy Credit Repair Post-bankruptcy credit repair addressing defaults, judgements, or enquiries that accompanied the bankruptcy and are independently challengeable under the Privacy Act 1988.
• Credit Repair After Debt Agreement Credit repair for individuals who have completed a Debt Agreement (Part IX) under the Bankruptcy Act, addressing remaining negative listings.
• Credit Repair After Divorce Specialised credit repair addressing debt and credit file issues arising from marriage breakdown, including joint account defaults and financial separations.
• Credit Report Analysis Professional review and analysis of credit files across all three Australian bureaus (Equifax, Experian, Illion) to identify removable listings and assess removal prospects.
• Credit Score Improvement Strategy and execution to improve credit scores by removing negative listings and leveraging Comprehensive Credit Reporting positive data, with documented score improvements of 100-300 points on Equifax.
• Financial Calculators Suite Embeddable suite of free financial planning tools including mortgage, personal loan, credit card, payday loan, budget planner, savings goals, compound interest, income tax, superannuation, retirement planner, and reverse mortgage calculators. Offered as embeddable widgets for mortgage brokers, finance brokers, and partner websites.

Quantifiable outcome

• A single default removal can improve an Equifax credit score by 100–300 points within 30–60 days
• +4 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Tuscany Leather BagsminorOthersListed in the website footer as a 'proudly partnered' brand. Nature of partnership is cause marketing or non-commercial association rather than a commercial business alliance. No specific details about the partnership arrangement or mutual business benefit are provided in the source material.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Finder Australia: Australian consumer financial comparison and credit education platform with credit-score and credit-report tools, plus editorial content on credit repair. Competes for the same inbound SEO demand as ACS and benefits from overlapping consumer credit intent.

Direct peers

• Clean Credit: One of Australia's largest dedicated credit repair firms, offering default and enquiry removal services to consumers nationally under an outcome-based fee model. Direct category competitor with overlapping products, services, and target segments.
• Credit Savvy: Australian consumer credit education and credit report platform providing free credit scores, reports, and dispute guidance. While more education- and tooling-focused, it competes for the same inbound demand and overlaps in credit-repair education content.
• My Credit File: Australian credit repair and credit-monitoring service operating across all three bureaus, offering default removal and credit score improvement products to consumer and small business customers. Comparable offering and customer base to ACS.
• Credit Simple: Australian credit management and credit repair service focused on removing defaults, court judgements, and incorrect listings from credit files held by the three Australian bureaus. Closely comparable in service scope, model, and customer profile to ACS.
• Credit Repair Australia: Australian credit repair company providing default removal, enquiry removal, and credit file repair services to consumers. Competes in the same direct-to-consumer credit repair category with similar inside-sales funnels and fee models.

Broad incumbents

• Experian Australia: Major Australian consumer credit bureau operating alongside Equifax and Illion, holding the credit files that ACS disputes on behalf of clients. Provides credit reports and scores but does not actively remove listings for consumers.
• Illion (formerly Dun & Bradstreet Australia): Australia's third major consumer credit bureau and provider of commercial credit data. Functions simultaneously as a data source for ACS disputes and as an incumbent offering consumer credit reports and identity products.
• Equifax Australia: One of Australia's three licensed consumer credit bureaus, holding credit files that ACS directly disputes. As a broad incumbent, Equifax offers consumer credit reports and monitoring but is also the principal data source whose listings ACS challenges.

Emerging players

• ScoreBuilder: Australian credit-building and credit-repair-adjacent service targeting consumers seeking to improve credit scores through dispute and positive reporting strategies. Comparable customer profile with narrower product focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/australian-credit-solutions
• Xx.com/credits_aussie

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Australian Credit Solutions