A default listing will remain on your file for a period of five years. So while you can't change history, the best approach would be to ensure the rest of your credit history is spotless.
If you would like a copy of your credit record, you can contact a credit reporting agency to ensure your default is listed as paid.
Baycorp Advantage is Australia's largest credit reporting agency and can be contacted via www.mycreditfile.com.au or by calling (02) 9464 6000.
What type of home loans can I apply for?
Non-conforming or credit impaired home loans cater specifically for individuals with an impaired credit history.
One of our mortgage brokers can tell you whether this type of loan is right for you.
Check out other relevant services & tools:
Talk to a Mortgage Broker
No Deposit Home Loan Online
Try our Stamp Duty Calculator
Simple Interest Calculator
Check Home Loan Rates