Frequently Asked Questions

We are here to help, here are the most common question's.

General Questions

If you cannot find the answer you are looking for then please feel free to get in touch.

  • Can anyone see which businesses I have in my WatchList?

    No. Your WatchList is completely confidential and cannot be accessed by any other CreditorWatch user.

  • I have more than one business, do I need an account for each business?

    Yes and No. Please contact us to discuss your situation further - 1300 50 13 12

  • Can I change my contact or credit card details?

    Yes. To change your account details, simply sign then choose the 'Update my details' button located at the bottom of the right hand column.

  • How do I edit my personal details?

    Simply sign in to your account and click the 'Update my details' button located at the bottom of the right hand column.

  • How do I edit my credit card details?

    To change your credit card details, simply sign in to your account and click the 'Update my details' button located at the bottom of the right hand column.

  • Can I change plans?

    Yes. Sign in to your account and click the 'Change my plan' button located near the bottom of the right hand column. You will then need to follow the prompts.

  • Which plan is the best for me?

    The best plan for your business depends on the number of clients you have. We recommend a plan that allows you to monitor most if not all of your clients as well as leaving space on your WatchList for new and prospective clients.

  • How do I add a business to my WatchList?

    Once you have an account, simply search for any business you wish to add to your WatchList, select it and choose 'Monitor this business'.

  • How long will a business remain on my WatchList?

    A business will remain in your WatchList until you remove it. However, please note that businesses added to your WatchList must remain on it for at least one month.

  • How do I remove a business from my WatchList?

    To remove a business, sign in to your account and go to your WatchList. Click 'Remove' next to the business you wish to remove.


Dispute, default & documents.

  • When should I register a default against a company?

    You can register a default if payment is over 60 days late and the debt is over $150. You must first attempt to recover the default and then notify the debtor that you intend to register the default on CreditorWatch. Registering a default against a business should be one of the last steps you take in recovering a bad debt.

  • How do I register a default?

    You must be a member of CreditorWatch in order to register a default. Click here to become a member.

    Search for the business you wish to default. Next, add the business to your WatchList then click 'Register a default'. You will be required to upload a document. Fill in the document detail fields and click upload document. If you are unable to upload a document from your computer you can fax the document to CreditorWatch.

  • How do I upload a document?

    Search for the business you wish to default. Next, add the business to your WatchList then click register a default. You will then need to upload the document. Fill in the document detail fields and click upload document. If you are unable to upload a document from your computer you can fax the document to CreditorWatch.

  • Can I remove a default notice or document?

    Yes. You must be a member of CreditorWatch in order to remove a document or registered default. Click here to become a member.

    If you registered the default or uploaded the document you must open the document in CreditorWatch, at the bottom of the document click on remove. You will then need to fill out the drop down questions. If you did NOT register the default or upload the document you must open the document in CreditorWatch, at the bottom of the document click on 'Report abuse'. You will then need to fill out the drop down questions.

  • Can I dispute the default registered against my business?

    Yes. If you are a CreditorWatch member simply open the default document in CreditorWatch and click 'Report abuse'. You will then need to fill out the drop down questions. If you are not a CreditorWatch member, contact us. We endeavour to respond to all disputes within 3-5 business days.

  • What happens if the default has now been paid?

    If you registered a default which your customer later paid, you must edit the entry to advise that the debt has been settled. To do so, view the uploaded document at CreditorWatch and click 'Settle'.

    If you did NOT register the default or upload the document we recommend you contact the creditor (uploader) and ask them to edit the default/document. If they don't edit the default/document you can open the document in CreditorWatch and click on 'Report abuse'. You will then need to fill out the drop down questions.

  • Why do I have a default registered against my business?

    A default is registered against your business if you failed to pay a bill to the company that has registered it.

  • Can I register multiple defaults against a business?

    Yes. There is no limit to the amount of defaults you can register against a business.

  • Can I upload multiple documents related to a default on a business?

    Yes. There is no limit to the number of documents you can register against a business.

  • How long does a default remain on CreditorWatch?

    5 years.

  • Who can see the defaults registered against a business?

    Any member of CreditorWatch can view the defaults and associated documents registered against a business.

  • Why do I have to upload a document when registering a default?

    You need to upload a document when registering a default in order to provide evidence that the default exists and is valid.

  • What document should I upload when registering a default?

    You can upload a letter of demand, statement, final notice, statement of claim, legal notice, garnishment order or solicitors letter.

  • Where do I find defaults I have registered?

    Once you have signed in, click on the 'Businesses I have defaulted' link in the My Account section.


Debt collection and legal action.

  • Is CreditorWatch a debt collection agency?

    CreditorWatch is the step prior to engaging a debt collection agency. The service aims to help businesses avoid having to use a debt collector by identifying bad debtors and assisting to make better credit decisions. The use of the CreditorWatch membership logo on invoices, statements and final notices encourages customers to pay their bills on time. We also encourage our members to include the following line in their final notices and letters of demand to assist recover outstanding debts – "Unless this invoice is paid in full within 7 days, we will have no alternative but to register your company on CreditorWatch Australia?s online bad debt registry."

  • How does CreditorWatch fit in with legal action?

    CreditorWatch is a cost effective step prior to engaging a lawyer for debt recovery as members can advise their clients that they will be registered if payment of outstanding debts are not made. The logo also acts as a method of encouraging payment. However, if court action has already commenced or if you have already hired a lawyer, CreditorWatch acts as a complementary tool to collecting overdue debt. The service allows you to upload documents, such as judgments and legal letters of demand, against late payers or bad debtors.