Below are some examples of the dramatic difference between good credit and bad (these are only for illustrative purposes and will be subject to your overall circumstance). Now in Australia If you have dismissed, ignored or not paid your overdue account, companies still have to follow current legislation prior to defaulting your credit file. If this has not occurred, you may have a case for them to be permanently deleted through various avenues. At Credit Clean Australia we specialise in assisting remove unfair, disputable and contestable negative listings from your credit file.