Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Yanru* |
| State: | NSW |
| Sex: | Female |
| Age: | 47 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Origin Energy |
| Current Creditor: | - |
| Paid / Unpaid: | Paid |
| Listing Amount: | $815 |
| Commenced work: | 11/04/2018 |
| Default Resolution: | 12/04/2018 |
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Credit Repair Background:
Christina had an Origin account with an $800 bill with Origin which caused the default. She never received any calls, emails or notices, and she is not sure what it was for as she has many investment properties and uses Origin for all of her gas/electricity accounts. Christina sometimes does not get their email as she is overseas (China) and can not open her hotmail account.
What were any challenges with the creditor?
The creditor responded to our Law Firm requests in a timely manner.
Why was the listing removed?
MyCRA Lawyers drafted revised a request letter which included evidence from Christina that she holds multiple Origin accounts and that she is also in property development. Made a veiled threat that if Origin do not remove the default she will cancel her accounts and will never use Origin again for any of her future properties. Origin held that because of a system error they did not email her the bills as requested. They agreed to removal based on this.
Summary:
Christina engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. Christina has already put down a deposit to build another investment property when her accountant told her about the default and advised that she needs to get it removed. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in just 1 day. Christina* can now move forward financially. Congratulations Christina and good luck!
Christina’s* name has been changed to protect privacy
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