Bad Credit Rating Default Removal Case Study
MyCRA (Specialist Credit Repair) Lawyers Client Profile:
| Name: | Tammy* |
| State: | VIC |
| Sex: | Female |
| Age: | 41 |
| Married/Single: | Married |
| Listing Type: | Commercial Default |
| Original Creditor: | Tyco Australia |
| Current Creditor: | – |
| Paid / Unpaid: | Unpaid |
| Listing Amount: | $783 |
| Commenced work: | 14/08/2018 |
| Default Resolution: | 28/09/2018 |
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Credit Repair Background:
Tammy had an ADT alarm monitoring service for her home and she was having difficulties with the alarm as it would not set properly when leaving the house. Tammy subsequently had a dispute with ADT regarding an invoice that had two call-out/repair fees instead of only one. Tammy advised ADT that she would only pay once the invoice had been amended and a correct invoice was provided. ADT agreed to this condition, however, they never provided an amended invoice.
What were any challenges with the creditor?
ADT refused to remove the default and only updated the default status to paid.
Why was the listing removed?
After initial communication with the creditor, MyCRA Lawyers further reviewed the matter and noticed a specific error in the reporting process. MyCRA Lawyers then sent a correction request to Equifax as the matter was listed as a commercial default but it was a consumer contract. Equifax agreed, and the default was removed.
Summary:
Tammy engaged MyCRA Lawyers to investigate the likelihood of removal of an ADT default listing on her credit file. The listing was a result of Tammy’s dispute with ADT regarding a service repair invoice that was charged twice. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 45 days. Tammy* can now move forward financially. Congratulations Tammy and good luck!
Tammy’s* name has been changed to protect privacy
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