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.
Alternatively try the ASIC (Australian Securities & Investments Commission) Money Smart website: https://www.moneysmart.gov.au/borrowing-and-credit/borrowing-basics/credit-reports for free assistance and advice on your credit report.
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 suitable for you.
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Complete our online form and we'll arrange for a broker to contact you.