Bad Credit Rating Default Removal Case Study
MyCRA (Specialist Credit Repair) Lawyers Client Profile:
| Name: | Riley* |
| State: | NSW |
| Sex: | Female |
| Age: | 22 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Optus |
| Current Creditor: | Panthera Finance |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $3,699 |
| Commenced work: | 06/09/2019 |
| Default Resolution: | 23/10/2019 |
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Credit Repair Background:
Riley* purchased a mobile phone online via the Optus website. She did not receive the phone and contacted Optus and requested documents of proof of delivery, or a signature to prove it was in fact delivered, at which they could not supply.
What were any challenges with the creditor?
Panthera Finance were not able to provide the requested documents within the 30 day time frame as Optus were not able to supply the requested documents to Panthera Finance.
Why was the listing removed?
Panthera Finance agreed to remove the default as Optus were unable to provide them with the supporting documents.
Summary:
Riley* engaged MyCRA Lawyers to investigate the likelihood of removal of an Optus / Panthera Finance default listing on her credit file. The listing resulted when Riley* did not receive the phone and contacted Optus and requested documents of proof of delivery, or a signature to prove it was in fact delivered, at which they could not supply. Riley* only discovered the bad credit default listing when she was later declined for finance. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 47 days. Riley* can now move forward financially. Congratulations Riley* and good luck!
Riley’s* name has been changed to protect privacy
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