You have done the hard work getting your client loan ready. When a default or credit file issue threatens to derail the application, we investigate whether it can be lawfully disputed, corrected or removed, then hand the client straight back to you to finish the deal.
A credit default or adverse listing can stop a finance application in its tracks. We assess whether that listing has been reported accurately and fairly, so the client and the broker can move forward.
At some point in a broker's career you will meet a client with a credit default, and the usual assumption is that it is simply something to wait out for five years, with no way around it. That is not always true.
A default has to be listed correctly: the right notice, to the right address, for the right amount, within the right timeframe. When that process has not been followed properly, the listing can potentially be corrected or removed, even where the underlying debt itself was genuine.
That is the part we look at. We investigate whether a listing has been reported accurately, fairly and in line with credit reporting obligations, not just whether money was owed. Rather than telling a client their file can definitely be fixed, our starting point is simpler and more accurate: there may be an issue worth reviewing. We will always tell you honestly, and early, whether your client's file falls into a category we can act on. Correctly and lawfully listed defaults generally stay, and we won't pretend otherwise.
We do not promise a removal, a higher score, a finance approval or a particular timeframe. Every matter is assessed on its own facts, and referring a client does not assume the listing can be changed or that finance will be approved.
Got a deal that has stalled on a credit issue? Send through your client's details and what is showing on the file. We assess it for free, with no admin fees and no obligation, and give you an honest answer on whether it is workable.
If there are grounds to act, we take on the investigation and dispute process directly with the credit reporting bodies and credit providers involved. Every case is different, but the average timeframe to resolve a file is 30 days. With the client's consent, you are kept updated at key milestones, so you always know where the deal stands against your finance clause. No chasing required.
Once the listing is resolved, the client returns to you to complete the loan. You keep the relationship, and you keep the deal. The client was always yours.
Referring a client to a third party can feel like a risk to the relationship you have built. It isn't here. Our role simply starts and ends with the credit investigation, nothing more. Once the file is corrected, the client goes straight back to you to write the loan.
Brokers are the reason we do what we do. It is why you will find us at the major industry conferences, presenting to broker groups, and championing the profession wherever we can, under a banner we are proud of.
It is not a slogan. It reflects how we work. Your client goes back to you, the relationship stays yours, and our job is simply to clear the credit issue that stood in the way. When brokers do well, so do their clients, and that is the whole point.
Not every listing can be corrected, and we would rather tell you that up front than waste your time or your client's. These are the kinds of matters we regularly assess.
Where a listing is accurate and has been recorded correctly, it generally stays on file, and we will tell you that straight away rather than pursue it.
Not sure if your client's situation fits? Send it through. The assessment is free either way.
Short, real examples of brokers getting a stalled deal back on track. Structured the same way each time: the problem, what we investigated, the outcome, and what it meant for the broker.
Placeholder structure, ready for the curated case studies to drop inWe treat these differently, because the retention period is longer. Where a listing has been recorded as a serious credit infringement, it can stay on file for up to seven years instead of five, so it is worth flagging to us early if that is what you are seeing on a client's file.
Yes. We would rather look at a file early than have you wait until it is holding up an approval. If there is an issue worth reviewing, resolving it ahead of time gives your client a cleaner file by the time they are ready to apply.
We give the client their exact cost in writing once we have reviewed the file. Nothing is charged upfront, and nothing is assumed before that.
Where a matter is accepted under our refund-backed service, any refund entitlement is governed by the written service agreement and applicable terms.
Every case is different, but the average timeframe is 30 days. It depends on the individual situation, so treat that as a general guide rather than a fixed promise.
No, and deliberately so. Some providers do pay referral fees, but charge the client an admin fee regardless of whether the file gets fixed. That can encourage defaults to be pursued that shouldn't be, leaving the client out of pocket. We don't work that way.
Send it through for a free, no-obligation assessment. We will give you an honest answer on whether it is workable, usually within about 45 minutes during business hours.