Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Ciaran* |
| State: | QLD |
| Sex: | Male |
| Age: | 22 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Origin Energy |
| Current Creditor: | – |
| Paid / Unpaid: | Paid |
| Listing Amount: | $1087 |
| Commenced work: | 02/05/2018 |
| Default Resolution: | 07/05/2018 |
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Credit Repair Background:
Ciaran was unaware he still had an origin bill unpaid as he had moved house and Origin had sent the final bill to the old address and not Ciaran’s email. Origin believed they could not get in contact with him so they listed the default.
What were any challenges with the creditor?
Origin responded to Ciaran’s lawyers’ requests in a timely manner.
Why was the listing removed?
Origin responded to MyCRA Lawyer’s initial request by advising that due to a system/IT error, bills/notices were sent to a postal address instead of Ciaran’s email address.
Summary:
Ciaran engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file as was applying for a Mortgage on an apartment. The listing was the direct result of Origin not emailing him the final bill as they were supposed to. Ciaran only discovered the bad credit default listing when he applied for finance was declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 5 days. Ciaran can now apply for finance. Congratulations Ciaran and good luck!
Ciaran’s* name has been changed to protect privacy
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