Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name: Philip*
State: QLD
Sex: Male
Age: 63
Married/Single: Married
Listing Type: Default
Original Creditor: Origin Energy
Current Creditor:
Paid / Unpaid: Paid
Listing Amount: $1616
Commenced work: 06/04/2018
Default Resolution: 20/04/2018
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Credit Repair Background:
Philip had an Origin default that he had paid. He purchased two air con units through a department in Origin and got 12 days behind in one payment, then Origin defaulted him for the entire contracts worth. Philip paid it when he found out and he thought nothing of it at the time. He never received any notices from the creditor. The notices may have been received but Philip cannot confirm it because his wife changed the mailing address to a PO box, and claims she gave him all the mail.

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 correction request/settlement offer. MyCRA Lawyers raised potential misleading or deceptive conduct and offered to indemnify Origin from any claims regarding this conduct, if Origin agreed to remove the default. Our Law Firm raised the fact that Philip had not broken his payment arrangement prior to the 6Q and 21D notices being issued. Last ground raised was that Origin had not provided proof that Philip had consented to Origin disclosing his information to a CRB. Origin agreed to remove the default.

Philip approached MyCRA Lawyers as he had previously used another Credit Repair Firm who had been unsuccessful in removing the listing. The listing was the direct result of the time he got behind in one payment and Origin defaulted him. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 14 days. Philip* can now confidently apply for home loan. Congratulations Philip and good luck!

Philip’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218