Repayment history is one of the biggest influences on your credit score, and one of the least understood. It is the month-by-month record of whether you paid your credit accounts on time. This guide explains what the record actually shows, who can see it, how long it lasts, and when a wrong entry can be fixed.
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- Both Equifax & Experian credit files audited
- Potentially incorrect or disputable listings identified
- Understand what’s affecting your credit score
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Next Steps After Your Assessment
Investigation
We investigate the circumstances behind each listing on your credit file, identifying potential breaches of the Privacy Act or non-compliance with the Credit Reporting Code. This is completed with you over the phone through 40+ simple yes, no, or unsure questions, along with your personal circumstances at the time.
Approved or Denied
If our investigation identifies multiple potential breaches, you may be approved for our credit restoration services. If not, your application will be declined, and your consultant will explain why, providing complete clarity.
Note: Approval does not guarantee the removal of any listing.
Disputes & Result
Formal removal requests are lodged with Equifax, Experian, and relevant credit providers, with escalation to AFCA, the OAIC, courts, or other bodies where required.
If a breach is confirmed, listings may be removed, in most cases boosting your credit score and helping future finance applications.
What repayment history information is
Repayment history information (RHI) is a monthly grade on each of your credit accounts — loans, credit cards, and similar. For every month, the account is marked as paid on time or a certain number of days late. A run of “paid on time” marks builds your score; a string of late marks pulls it down.
What the numbers mean
Each month gets a status. In simple terms: a 0 means you paid on time (or within the grace period). A 1 means up to 30 days overdue, a 2 means 30–59 days, and so on up the scale to serious lateness of 180+ days. A blank or “C” can mean the information was not reported for that month.
Who can report and see it
This is important: only licensed credit providers can report and see repayment history. Banks and finance lenders report RHI. Telcos, utilities and most buy-now-pay-later providers cannot report repayment history — they can only list a default once one is due. So a late phone or power bill does not create a late RHI mark, though it can lead to a default listing if it goes far enough.
Late marks dragging your score down?
A $39.95 credit file assessment shows you exactly which accounts carry late repayment history, whether any of it looks wrong, and what a realistic plan to improve looks like.
How long repayment history stays
RHI is kept for two years on a rolling basis. Unlike a default, it is not a single event with a five-year clock — it is a moving two-year window, so as you build a run of on-time payments the older late marks age out and your recent history carries more weight.
When repayment history can be corrected
Repayment history is corrected rather than removed. Where a month is marked late but was actually paid on time, or the account was in an agreed hardship arrangement, or a payment was applied to the wrong account, the entry can be put right — often back to a 0. Grounds we see in practice include payments made within the grace period being marked late, and lateness reported during a period covered by an arrangement.
You can raise a correction with the credit provider or credit reporting body yourself for free. Where it is disputed or spread across several accounts, that is where a service helps. We do not guarantee a result — we tell you plainly whether the record looks challengeable.
Common questions
Does one late payment ruin my score?
A single late mark is not the end — because RHI runs on a two-year window, consistent on-time payments after it steadily rebuild your position.
Can a late phone bill show as late repayment history?
No. Telcos cannot report RHI. They can list a default if a bill goes unpaid long enough, but that is a different type of entry.
To rebuild from here, see how to improve your credit score, or read what counts as a bad credit score in Australia.
Start with the facts about your own file
A $39.95 credit file assessment shows you every default, judgement and enquiry on your Equifax and Experian files — and which ones may be open to challenge.
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