Sorry, no online dictionaries contain the exact phrase has it by default.
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Reverse dictionary results:
1. surety
2. reverse
3. prove
4. balance
5. bar
6. bill
7. draft
8. enter
9. erasure
10. fist
11. mutiny
12. necessity
13. order
14. penalty
15. rent
16. safety
17. score
18. seed
19. sport
20. tax
21. trip
22. control
23. controlled
24. controlling
25. try
26. rat
27. sponsor
28. ache
29. bosom
30. norm
31. omission
32. option
33. fail
34. failing
35. guaranty
36. lack
37. negligence
38. preset
39. comaker
40. defaulter

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You can look up the words in the phrase individually using these links:   has ?   it ?   by ?   default ?
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