Bad Credit Rating Removal Case Study
Client Profile:
| Name: | George* |
| State: | WA |
| Sex: | Male |
| Age: | 35 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Synergy |
| Current Creditor: | – |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $816 |
| Commenced work: | 10/04/2017 |
| Default Resolution: | 17/07/2018 |
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Credit Repair Background:
Unable to find steady work George was falling behind on numerous bills one of which ended up in default. George packed his family and relocated 1800 kilometres north to find reliable work and be able to provide for his family.
What were any challenges with the creditor?
Synergy refused to remove the listing. George’s lawyers’ further argued there were procedural issues and lodged a complaint with the Ombudsman and then further to the OAIC.
Why was the listing removed?
Synergy would not agree to remove the default. MyCRA Lawyers lodged an Ombudsman complaint. Ombudsman ruled in Synergy’s favour. Our Law Firm lodged a complaint to the OAIC regarding the request for personal information. Synergy did not adequately respond to this. Once the complaint was picked up by OAIC, MyCRA Lawyers were contacted by Synergy’s lawyers. Synergy agreed to remove the default listing if the complaint is withdrawn. Synergy confirmed on 17/07/2018 that the request had been placed.
Summary:
George engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. The listing was the direct result of the time he was experiencing financial hardship. George only discovered the bad credit default listing when he applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 463 days. George can now confidently apply for finance. Congratulations George and good luck!
George’s* name has been changed to protect privacy
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