Names and identifying details in this case study have been changed to protect our client’s privacy.

Peter did the responsible thing before he moved overseas. He told Telstra he was going.

Telstra didn’t ask him for a forwarding address. The account went overdue without Peter getting a single letter or call. A small default, around $300, went on his file. Later, a debt buyer, Credit Corp, took it over.

Diagram of how this case was resolved: told telco he was moving, no address requested, tio complaint, removed in 206 days

What it was doing

Peter had two defaults on his credit report. He wanted to buy a property, and his broker told him both had to go.

What we found

This one dragged. Credit Corp took more than 30 days to supply the documents we asked for and was slow to respond to our complaint.

The facts were on Peter’s side, though. He had told the telco he was moving overseas. It had a chance to get an address for him and didn’t take it. He never received any mail or calls about the debt.

Why it came off

We lodged a complaint with the Telecommunications Industry Ombudsman. Telstra agreed to remove the default.

The result

We started on 5 August. The default came off on 27 February, 206 days later. Both of Peter’s defaults were removed and he could confidently apply for finance.

What this means for you

Some matters take months, especially when collectors drag their feet. Persistence pays. If you told a provider you were moving and they never followed up, that’s worth raising. Our credit repair lawyers will take it to the ombudsman when that’s what it needs.

This is a past matter. Names and identifying details have been changed to protect our client’s privacy.

Results depend on individual circumstances. Every credit file is different, and a past result doesn’t guarantee the outcome of your matter. This case study is general information, not legal advice.

Don’t spend another month stuck in Credit Prison. Call our credit repair lawyers on 1300 667 218 or book a 15-minute intro call at https://mycralawyers.com.au/15min-credit-repair-intro-call/ . If we think your chances are low, we’ll tell you straight.

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