Bad Credit Rating Removal Case Study

Client Profile:

Credit Repair Background:
Amanda had 3 enquiries and 1 default listing on her credit file. The Optus default happened when she moved to Tumut and there was no service on her mobile phone. She contacted Optus and went to an Optus shop to explain that she had no reception in Tumut. Amanda went to the ombudsman to get out of the contract as they could not give her a sufficient service that she was paying for. Optus let her and her husband out of their contracts but her husband’s phone had a crack in the screen and they would not accept it so they had to pay $600. Instead, Amanda and her husband sent the phone away to get fixed with Optus, however; Optus never returned it thus Amanda and her husband never paid the amount owing due to not receiving the phone back and assuming the process was complete.

What were any challenges with the creditor?
Baycorp refused to remove the listing at the time of the investigation.

Why was the listing removed?
MyCRA Lawyers lodged a TIO complaint based on fact that Amanda had previously lodged a TIO complaint and obtained a ruling that the outstanding charges on the account were not valid. Therefore, the charges should have been credited back and the default should never have been listed. Optus agreed to credit back charges and requested that Baycorp remove the default.

Summary:
Amanda engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing and 3 enquiries on her credit file. The default listing was the direct result of the time she was in a dispute with Optus. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 42 days. Amanda* is now a step closer to achieving a finance approval. Congratulations Amanda and good luck!

Amanda’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