Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Sophia* |
| State: | QLD |
| Sex: | Female |
| Age: | 45 |
| Married/Single: | Married |
| Listing Type: | Default |
| Original Creditor: | HSBC Bank |
| Current Creditor: | – |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $4887 |
| Commenced work: | 07/06/2018 |
| Default Resolution: | 06/07/2018 |
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Credit Repair Background:
Sophia* required surgery which resulted in her not being able to drive and therefore requiring 3 months off work, which led to the loss of employment. During this time she received a default listing from HSBC against her credit file.
What were any challenges with the creditor?
Minimal issues with the creditor as they responded to our Law Firm requests in a positive and timely manner.
Why was the listing removed?
HSBC agreed to remove the default as accelerated 6Q notice had not been sent to client.
Summary:
Sophia engaged MyCRA Lawyers to investigate the likelihood of removal of 2 default listings on her credit file. These listings were the direct result of the time she lost her job and had 3 months off. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 29 days. Sophia is now a step closer to achieving a finance approval. Congratulations Sophia and good luck!
Sophia’s* name has been changed to protect privacy
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