Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Kirsty* |
| State: | TAS |
| Sex: | Female |
| Age: | 29 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Citibank |
| Current Creditor: | – |
| Paid / Unpaid: | Paid |
| Listing Amount: | $6267 |
| Commenced work: | 29/08/2017 |
| Default Resolution: | 15/05/2018 |
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Credit Repair Background:
At the time when the default occurred Kirsty was in a controlling and abusive relationship; her wages would go into a joint and her ex-partner’s wages would go into his personal account. Kirsty would have to ask for permission to purchase goods such as a coffee and food, etc. and when Kirsty finally ended the relationship, she literally had no money, no car, etc. She had to start her life again and she had managed to successfully do this, after almost two years and Consent Orders from the Court.
What were any challenges with the creditor?
Citibank refused to remove the listing at the time of the investigation.
Why was the listing removed?
Citibank eventually agreed to removal on compassionate grounds.
Summary:
Kirsty engaged MyCRA Lawyers to investigate the likelihood of removal of default listing on her credit file. The listing was the direct result of the time she was in an abusive and controlling relationship. Kirsty only discovered the bad credit default listing when she applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 259 days. Kirsty* can now move forward financially. Congratulations Kirsty and good luck!
Kirsty’s* name has been changed to protect privacy
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