Our Services

Repayment History Information (RHI) Amendments

Repayment History Information (RHI) shows whether an account was paid on time, late, or not at all.
Because RHI updates monthly, even small errors can have a long-term impact on a person’s credit profile.

When an RHI Amendment May Be Appropriate

An RHI review may be suitable where:

  • Payments were recorded as late when they were made on time

  • Hardship arrangements were not reflected correctly

  • Payments were misapplied or allocated incorrectly

  • Account conduct during a dispute was reported inaccurately

  • Reporting does not align with contractual or factual records



A default listing can significantly affect access to credit, housing, and business finance.
However, not all defaults are reported correctly or fairly.

OzeNet reviews defaults to determine whether they comply with reporting requirements, notice obligations, and factual accuracy.

What We Do

Our services relate solely to the accuracy of credit reporting information and are not provided for the purpose of assisting a client to obtain credit

  • Conducting a structured review of the default listing

  • Identifying potential compliance or accuracy issues

  • Explaining options to the client in plain English

  • Preparing and lodging evidence-based correction requests

  • Escalating appropriately where required

For Accountants & Brokers

Our services are designed to support your client outcomes without creating compliance risk.

  • Clients engage OzeNet independently

  • No joint advice or shared decision-making

  • Clear documentation suitable for professional files

  • Conservative, regulator-aware approach

Our Process

We focus on accuracy only — not negotiation, leverage, or pressure.

  • Review credit report data and supporting information

  • Identify potential inaccuracies or inconsistencies

  • Prepare a documented, lawful dispute or correction request

  • Submit requests through appropriate reporting channels

  • Monitor responses and confirm outcomes

Default Removal (Consumer & Business)

Common Grounds We Assess

Each case is assessed individually. Grounds may include:

  • Incorrect balance or date information

  • Identity or account ownership issues

  • Failure to provide required notices

  • Reporting while a genuine dispute existed

  • Hardship, vulnerability, or special-circumstance reporting errors

  • Defaults listed contrary to reporting obligations

What We Don’t Do (By Design)

To remain compliant and referral-safe, OzeNet Credit Repair does not provide:

  • Credit assistance or lending advice

  • Debt negotiation or settlement services

  • Financial or legal advice

  • Guarantees of outcome

This ensures our services remain cleanly separated from advisory, lending, and brokerage activities.

Our Commitment

Credit reporting should reflect reality — nothing more, nothing less.

  • Accuracy over promises

  • Evidence over pressure

  • Compliance over volume


Regulatory Note
OzeNet Credit Repair provides support relating solely to the accuracy of credit reporting information. Our services are not provided for the purpose of assisting a client to obtain credit and do not constitute credit assistance, financial advice, or legal advice. All actions are evidence-based, client-directed, and subject to applicable credit reporting and privacy obligations. Outcomes are not guaranteed.

OzeNet Credit Repair specialises in lawful correction of inaccurate credit reporting.
We focus on two core areas only — Repayment History Information (RHI) amendments and default review and correction — using evidence-based, compliant processes.

We do not promise outcomes or shortcuts.
Our role is to ensure credit files reflect what is accurate, fair, and reportable under Australian law.