Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Amanda* |
| State: | NSW |
| Sex: | Female |
| Age: | 35 |
| Married/Single: | Married |
| Listing Type: | Enquiry |
| Original Creditor: | Once Credit |
| Current Creditor: | – |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $2188 |
| Commenced work: | 09/02/2018 |
| Default Resolution: | 26/04/2018 |
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Credit Repair Background:
Amanda had 3 bad enquiries and 1 default listings on her credit file. Amanda worked as a casual and her husband worked away; at the time of the default, Amanda’s husband was away and her car broke down to the point where she needed to replaced it, not fix it. Amanda was searching the internet researching different credit providers in order to get a new, second-hand car.
What were any challenges with the creditor?
Once Credit refused to provide the documents our Law Firm had requested.
Why was the listing removed?
Once Credit refused to respond to the initial request letter sent. MyCRA Lawyers drafted a CIO complaint based on fact that no evidence had been provided to demonstrate that Once Credit had Amanda’s consent to place the enquiry. Once Credit since have informed the CIO that they would remove the default.
Summary:
Amanda engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing and 3 enquiries on her credit file. These listings were the direct result of the time she was trying to get as much money together to buy a new second hand car. MyCRA Lawyers negotiated the successful removal of her bad credit enquiry listing in 76 days. Amanda* is now a step closer to achieving a finance approval. Congratulations Amanda and good luck!
Amanda’s* name has been changed to protect privacy
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