What is a commercial credit report?

A commercial credit report is held against your business or ABN rather than against you personally. Commercial credit reporting bodies such as CreditorWatch, Equifax and illion collect court judgements, payment defaults, external administration records and trade payment behaviour reported by suppliers and lenders.

Can a business default be removed?

Only where the listing is inaccurate, out-of-date, incomplete, irrelevant, misleading or otherwise improperly recorded — for example a default listed against the wrong entity, an incorrect amount, a debt that was disputed at the time, or a listing made without the required notices. Accurate commercial listings cannot be removed and will remain until they expire.

Does commercial credit reporting have the same protections as consumer reporting?

Not identically. Consumer credit reporting is governed by Part IIIA of the Privacy Act 1988 and the Privacy (Credit Reporting) Code. Commercial credit reporting sits largely outside Part IIIA, but the Australian Privacy Principles still apply to the accuracy and correction of personal information, and misleading or unconscionable conduct rules still apply to how a listing was created.

How much does commercial credit repair cost?

A no win, no fee Australian credit repair service. We assess your file at no cost. Success fees are payable only when an agreed success stage is achieved, and every fee and success criterion is agreed with you in writing before work begins.

Can I dispute a commercial listing myself for free?

Yes. You can raise a correction request directly with the credit reporting body or the business that listed it at no cost, and you can complain free of charge to the Australian Financial Complaints Authority where the lister is a member, or to the Office of the Australian Information Commissioner. Using a paid service is always optional.

Business & ABN credit files

Commercial credit repair, handled properly.

Inaccurate business defaults, ABN listings and judgements can hold up approval for finance and push the rate you are offered higher. We assess the commercial file at no cost and dispute only what is inaccurate or improperly recorded.

Commercial credit repair for ABN holders

Sole traders, company directors and small business owners often carry two credit histories: a consumer credit file in their own name and a commercial credit file against the ABN or ACN. A supplier default, a court judgement or an incorrectly reported payment history on the commercial file can affect trade terms, equipment finance and approval for business lending, and can push the interest rate offered on any finance that is approved higher than it needs to be.

We assess both files together, because a business owner is frequently declined on the strength of a listing they did not know existed.

What we review on a commercial credit file

Payment defaults reported by suppliers, lenders, telcos and utilities against the business; court judgements, writs and enforcement records tied to the entity; external administration, wind-up notices and cross-directorship records; ASIC-sourced entity and officeholder data; and trade payment behaviour reported through CreditorWatch, Equifax Commercial and illion.

We check the listing against the underlying record — the ledger, the notices sent, the court file, and the identity of the entity actually liable — before advising whether there are grounds to challenge it.

Common grounds for challenging a commercial listing

The listing names the wrong entity — a director personally rather than the company, a deregistered entity, or a similarly named ABN. The amount or date does not match the account record. The debt was genuinely in dispute when it was listed. Required notices were never issued or were sent to a superseded address. The debt has been paid, settled or written off and the file was never updated. A judgement has since been set aside, varied or satisfied.

What we cannot do

We do not provide legal advice, we do not appear in court, and we cannot remove accurate, complete, current and lawfully recorded commercial information. We make no representation about credit scores, borrowing capacity or the interest rate any lender will offer.

Outcomes depend on the facts of each file. You can raise a correction request yourself at no cost with the credit reporting body or the business that made the listing, and free financial counselling for small business is available through the National Debt Helpline on 1800 007 007.

Free commercial credit file assessment

Common questions

What is a commercial credit report?: A commercial credit report is held against your business or ABN rather than against you personally. Commercial credit reporting bodies such as CreditorWatch, Equifax and illion collect court judgements, payment defaults, external administration records and trade payment behaviour reported by suppliers and lenders.
Can a business default be removed?: Only where the listing is inaccurate, out-of-date, incomplete, irrelevant, misleading or otherwise improperly recorded — for example a default listed against the wrong entity, an incorrect amount, a debt that was disputed at the time, or a listing made without the required notices. Accurate commercial listings cannot be removed and will remain until they expire.
Does commercial credit reporting have the same protections as consumer reporting?: Not identically. Consumer credit reporting is governed by Part IIIA of the Privacy Act 1988 and the Privacy (Credit Reporting) Code. Commercial credit reporting sits largely outside Part IIIA, but the Australian Privacy Principles still apply to the accuracy and correction of personal information, and misleading or unconscionable conduct rules still apply to how a listing was created.
How much does commercial credit repair cost?: A no win, no fee Australian credit repair service. We assess your file at no cost. Success fees are payable only when an agreed success stage is achieved, and every fee and success criterion is agreed with you in writing before work begins.
Can I dispute a commercial listing myself for free?: Yes. You can raise a correction request directly with the credit reporting body or the business that listed it at no cost, and you can complain free of charge to the Australian Financial Complaints Authority where the lister is a member, or to the Office of the Australian Information Commissioner. Using a paid service is always optional.

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