Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Meghaben* |
| State: | VIC |
| Sex: | Female |
| Age: | 33 |
| Married/Single: | Married |
| Listing Type: | Default |
| Original Creditor: | Vodafone |
| Current Creditor: | ACM Group |
| Paid / Unpaid: | Paid |
| Listing Amount: | $2048 |
| Commenced work: | 30/10/2017 |
| Default Resolution: | 11/07/2018 |
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Credit Repair Background:
The default happened when Megha had to leave the country for a month to renew her Visa. Whilst away, her application was declined and she had to reapply. Megha was eventually provided with a 457 Visa and came back into the country. This put her under enormous financial hardship.
Additionally, she had been receiving her phone bills via email since she first started with 3 Mobile, which then became Vodafone, and whilst she was away she was no longer receiving any bills or statements. Her mailing address had not changed despite being out of the country.
What were any challenges with the creditor?
ACM and Vodafone refused to remove the default.
Why was the listing removed?
ACM and Vodafone wouldn’t agree to the removal request. TIO would not investigate as they stated that Vodafone’s response was valid. MyCRA Lawyers sent an OAIC complaint regarding the issue with template notices, not making a written note of the default listing, correction request requirements, request for personal information requirements and general requirement breaches. Our Law Firm advised ACM that Meghaben would only lodge the complaint if ACM would not agree to remove the default. ACM agreed to remove the default.
Summary:
Megha previously used the services of another credit repair company but they were unsuccessful in removing the default. Megha found MyCRA Lawyers on Google and thought she might have better luck actually using a Law Firm instead. Megha engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time she was having problems with her Visa. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 254 days. Meghaben can now confidently apply for finance. Congratulations Meghaben and good luck!
Meghaben’s* name has been changed to protect privacy
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