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Although our core hours of operation are Monday to Sunday, we understand the urgency of addressing credit defaults. Be assured, we are dedicated to promptly addressing your inquiries.
Feel free to reach out to us at your earliest convenience.
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All You Need To Know
FAQ's
HOW LONG DOES A DEFAULT LAST ON MY CREDIT?
The default will remain for at least 5 years from the date of listing depending on the type of default listed.
IF I PAY THE DEFAULT, WILL IT BE REMOVED?
No, the default will remain for at least 5 years. However, they are required to update the listing from outstanding to paid or settled, this will assist your score but not as much as having it entirely removed.
IF I WAS AWARE OF THE DEBT AND PURPOSELY DIDN’T PAY, CAN THE DEFAULT STILL BE REMOVED?
Yes – however this will depend on whether the company followed the correct procedures or not.
HOW LONG THE PROCESS TAKE?
It completely depends on the credit provider, it can range from a few days to a few months depending on how fast the credit provider takes to deliver an outcome. From our end, we will never add to the delays, we start works the day you engage us and respond to credit providers within 24 hours pending any further information we may require from you.
WHAT HAPPENS IF THE CREDIT PROVIDER REFUSES TO REMOVE THE DEFAULT?
If we determine that you have a strong case for removal, we can submit an application on your behalf to the relevant complaints authority to escalate the request. This will be done only after consulting with you, and there is no additional fee for this service.
WHY SHOULD I BOTHER WITH CREDIT REPAIR?
The outcome depends on your financial goals. Loan applications might be rejected or have higher interest rates based on your situation. A good credit score can help reduce these barriers.
WHY SHOULD WE GO WITH CREDIT DOSTS' CREDIT REPAIR?
We are a straightforward credit repair service. We’ll provide you with honest, clear advice about your credit file. Our low refundable deposit allows us to start working for you quickly.
WHO ARE THE CREDIT REPORTING BODIES?
You can find the details below, if you would like our assistance we can obtain an immediate credit file for you as part of our assessment.