Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Michelle* |
| State: | QLD |
| Sex: | Female |
| Age: | 26 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Flexirent |
| Current Creditor: | – |
| Paid / Unpaid: | Paid |
| Listing Amount: | $2075 |
| Commenced work: | 18/08/2016 |
| Default Resolution: | 25/08/2016 |
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Credit Repair Background:
Michelle* took out a lease for goods through Flexirent to assist her friend and her friend was to make the payments. Michelle* was unaware that her friend did not pay the outstanding amount. Michelle* had then lost her job and was under financial hardship. Flexirent contacted her about the overdue payment and Michelle* relayed this to her friend. Her friend told her he would pay it. She had no contact from Flexirent after that, so she presumed her friend paid the outstanding amount.
What were any challenges with the creditor?
There were no issues with the creditor as they responded to MyCRA Lawyers requests in a timely manner.
Why was the listing removed?
Flexirent removed the default listing after being contacted by MyCRA Lawyers.
Summary:
Michelle* was referred to our office by her mortgage broker. She wanted the default listing in her credit file removed so they can move on with a home loan to purchase their first home. We managed to negotiate removal of his default in 7 days and Michelle* can now confidently apply for a home loan. Congratulations Michelle*and good luck!
Michelle’s* name has been changed to protect privacy
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