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Even if you had excellent credit in the UK, US, or anywhere else, you start from zero in Australia. These laws give every Australian the ability to challenge inaccurate credit file entries. When the default expires or is removed professionally, the accumulated positive history means your score climbs more quickly than if the file had been empty. From that point, it's a fresh start — but lenders can still see thin positive history. Despite having excellent credit in Korea, that history didn't transfer to Australia — she started with a completely empty file and no Equifax score.
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