Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Kandice |
| State: | QLD |
| Sex: | Female |
| Age: | 45 |
| Married/Single: | Married |
| Listing Type: | Default |
| Original Creditor: | Optus |
| Current Creditor: | – |
| Paid / Unpaid: | Paid |
| Listing Amount: | $823 |
| Commenced work: | 10/03/2016 |
| Default Resolution: | 15/07/2016 |
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Credit Repair Background:
Kandice instructed MyCRA Lawyers that she had an account with Optus. She decided at the time to change from Optus to Telstra to bring all the phones together under one account. Due to this, she obtained a new phone and new number. At the time, she thought the account was paid in full. Kandice was unsure what the defaulted amount was for however, it may have been the payout for the phone. She was not contacted by Optus by mail, and only found out about the debt when she was contacted by Commercial Credit Control. Kandice tried to go to the Telecommunications Industry Ombudsman (TIO) but was advised by TIo to resolve the matter with Optus directly.
What were any challenges with the creditor?
Optus was not able to provide the documents requested.
Why was the listing removed?
As Kandice instructed that she had not received any notices from Optus, and Optus would not provide any copies of any notices allegedly issued, MyCRA Lawyers escalated the matter to TIO.
When TIO contacted Optus regarding our complaint, Optus promptly removed the default.
Summary:
Kandice was referred to our office by her mortgage broker. She wanted the default in her credit file removed as it has been affecting their re-finance application. We managed to negotiate removal of her default and Kandice can now confidently apply for re-finance. Congratulations Kandice and good luck!
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