Under Australian regulations, banks share your info with credit reporting bodies.
Your Repayment History Information is basically a record of whether you’ve been paying your credit accounts on time each month. It shows the last two years of your payment habits; like if you paid early, paid late, or completely missed a payment.
If you’ve got bad repayment history (lots of missed payments), that’s the ‘worst’ kind of RHI because it tells lenders you’re risky to deal with.
Even just a few consistent late payments can leave black marks on your credit file, but when it becomes a pattern, it makes banks, credit card companies, and brokers or rental agencies think twice about trusting you with money or contracts.
Unlike defaults, your Worst Repayment History (WRH) records ongoing repayment issues that remain visible even after the debt is cleared.
Worst repayment history reflects every pattern of late or inconsistent repayments and lenders treat this as a red flag.
Removing WRH gives you the fresh start you need to rebuild trust with lenders
Without those negative listings, your credit report shows you as more reliable and financially stable.
Lenders treat worst repayment history as a serious warning sign. This can lead to loan rejections, tighter limits, or crazily high interest rates.
In sectors like finance and banking, employers may run credit checks. A WRH record could raise doubts about your reliability and affect job opportunities.
Landlords and real estate agents often review credit history. Having WRH on your record can making securing a home much more difficult.
Getting your worst repayment history removed helps you clear up your credit report and feel more in control of your finances.
We make it easier for Aussies to remove damaging Worst Repayment History (WRH) listings and rebuild their credit power.
Australian Credit Savers is one of Australia’s best credit repair service provider.
Worst Repayment History (WRH) listings can make your credit score take a hit, block loans, or even complicate renting or job applications.
Our goal is to help you clean up your credit.
With extensive credit repair experience and a credible track record, we take care of the tough stuff for you: disputing errors, negotiating with credit bureaus, and supporting you every step of the way.
No stress. Just a cleaner, more accurate credit report.
Clearing negative listings is step one. We guide you to make smarter credit choices from here.
We carefully review your credit report to spot WRH listings and understand what's causing them.
Our team of credit repair experts challenge inaccuracies with credit bureaus and work directly with creditors to get WRH notations removed or corrected.
Through careful negotiation and compliance checks, we ensure invalid or outdated WRH listings are removed, giving your credit profile a fresh start.
We share practical tips and advice so you can avoid future WRH entries and keep your credit profile in top shape.
You will only be charged for the portion of the service that has been completed.
With a history of success and dedication to our clients, Australians choose us for reliable credit repair.
✅ Experts in Late Payment Disputes
We focus on removing negative repayment history that unfairly lower credit score.
✅ Credit Reporting Knowledge You Can Trust
We know what lenders can and can’t report and challenge listings that don’t comply.
✅ Tailored Strategies That Work
Every case is different. We assess your file and build a strategy based on real grounds like hardship, consent issues, or listing errors.
✅ Negotiation Made Easy
We handle lenders and banks directly so you can relax.
Stop letting old mistakes hold you back. Your bad or late repayment history doesn't have to keep dragging you and your credit score down. Australian Credit Savers helps turn back the clock on your credit and make it work for you.
