Hello Jason,
Thank you for your feedback. We pride ourselves on informing all of our clients of the benefits and consequences of the solutions that they opt for and this is also supported by the documents and contracts signed by each of our clients. Thankfully, in most cases, credit file notations are removed after a period of 5 years and then our clients can enjoy being debt-free with the added benefit of a clean credit file. If you'd like to discuss your situation with our team, please call us on 1300 725 052, we'd be more than happy to assist.