Names and identifying details in this case study have been changed to protect our client’s privacy.

Fiona and her husband were buying a car through a dealership. The dealer’s in-house broker organised the finance, and Fiona understood it was all going through the car maker’s own finance arm.

What she didn’t know was that the broker had first applied to a different car finance company, Toyota Finance. That lender approved it, but at a rate that was too high, so the broker went elsewhere. The enquiry from that first application stayed on Fiona’s file.

Diagram of how this case was resolved: unknown car finance check, broker applied elsewhere, no consent to apply, removed in 6 days

What it was doing

Fiona, from Queensland, had three enquiries on her credit report. When she was later declined for finance, she found out why. Enquiries she never knew about were dragging her score down.

What we found

Fiona had never agreed to an application with that particular lender. She thought there was only one application, with one lender.

Why it came off

We sent a demand letter to Toyota Finance setting out that Fiona hadn’t known about or authorised its application. On review, it agreed to remove the enquiry.

The result

The enquiry came off on 12 June, 6 days after we took on the matter.

What this means for you

Dealership and broker finance can trigger several enquiries you never see. If one is there that you didn’t authorise, it can be challenged. Our credit repair lawyers can tell you quickly if yours is worth chasing.

This is a past matter. Names and identifying details have been changed to protect our client’s privacy.

Results depend on individual circumstances. Every credit file is different, and a past result doesn’t guarantee the outcome of your matter. This case study is general information, not legal advice.

Don’t spend another month stuck in Credit Prison. Call our credit repair lawyers on 1300 667 218 or book a 15-minute intro call at https://mycralawyers.com.au/15min-credit-repair-intro-call/ . If we think your chances are low, we’ll tell you straight.

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