Start with an accurate review of your credit record and realistic next steps.
Credit information can influence finance applications and other important opportunities. Our process starts by reviewing your credit profile and identifying entries that may require attention.
We explain which information may be disputed or corrected and where settlement, supporting documentation or a formal process may be necessary. Accurate negative information cannot simply be erased.
Negative listings and outdated information can stand in the way of your next financial step. IY Finance Solutions helps you review the record and follow the appropriate process to challenge, update or resolve eligible items.
Every case is assessed individually. We do not promise automatic removal of accurate information. Any removal, correction or update depends on the evidence, the relevant credit provider or bureau, and the applicable legal process.
Let our team review your concern and explain the next step for your circumstances.
We keep every stage clear, practical and easy to understand.
Check active accounts, payment history, defaults, judgements, enquiries and personal details.
Compare listed information with statements, settlement letters and other available evidence.
Raise valid disputes or follow the appropriate settlement, rescission or update process where applicable.
Track responses, retain reference numbers and confirm whether approved corrections appear on later reports.
Your first conversation is easier when you know the common situations and information involved.
Only documents relevant to your record will be requested.
No legitimate service can simply erase accurate credit information. Results depend on the record, evidence, credit-provider response and applicable legal or bureau process.
These answers provide a useful starting point. Your circumstances and the applicable product or process may differ.
Ask us a questionNo. Accurate information is generally retained for the applicable period unless it must be updated following payment, rescission, expiry or another lawful process.
No. Scores are calculated by credit bureaus using their own models. Correcting errors and improving payment behaviour may help over time, but a particular increase cannot be guaranteed.
Timeframes depend on the bureau, credit provider, evidence and type of dispute. Keep all reference numbers and respond promptly if more information is requested.
Provide the settlement or paid-up evidence so the listing can be checked and the correct update process followed. Payment does not always mean every historical entry disappears immediately.
Contact us to discuss what may be affecting your record and which documents to prepare.
