Bad Credit Rating Removal Case Study
Client Profile:
| Name: | Phenia* |
| State: | NSW |
| Sex: | Female |
| Age: | 26 |
| Married/Single: | Single |
| Listing Type: | Enquiry |
| Original Creditor: | IPF Digital |
| Current Creditor: | – |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $0 |
| Commenced work: | 01/03/2018 |
| Default Resolution: | 23/04/2018 |
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Credit Repair Background:
Phenia has 8 enquiry listings on her credit report. She did not apply for the IPF Digital account and has no knowledge of what this IPF Digital enquiry listing is all about.
What were any challenges with the creditor?
IPF Digital refused to provide the documents MyCRA Lawyers had requested.
Why was the listing removed?
MyCRA Lawyers drafted a CIO complaint as IPF Digital did not provide the documents our Law Firm had requested. IPF Digital agreed to remove the default but no reason was provided. No clause in contract to advise that creditor had a right to access credit reports.
Summary:
Phenia engaged MyCRA Lawyers to investigate the likelihood of removal of 8 enquiry listings on her credit file. Phenia has no knowledge of how the IPF Digital enquiry listing came about. MyCRA Lawyers negotiated the successful removal of her enquiry listing in 53 days. Phenia* is now a step closer to achieving a finance approval. Congratulations Phenia and good luck!
Phenia’s* name has been changed to protect privacy
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