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Bad Credit Rating Removal Case Study
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Client Profile:
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| Name: | Spiros* |
| State: | VIC |
| Sex: | Male |
| Age: | 45 |
| Married/Single: | Single |
| Listing Type: | Default |
| Original Creditor: | Capital Finance |
| Current Creditor: | Baycorp |
| Paid / Unpaid: | Paid |
| Listing Amount: | $9566 |
| Commenced work: | 12/10/2016 |
| Default Resolution: | 28/05/2018 |
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Credit Repair Background:
Spiros had a default listing relating to a vehicle loan. He was going through a divorce settlement since 2012 when he separated from his wife and moved out of the family home. The court ordered that as part of the settlement, the car loan was to be paid out. Spiros stopped making payments on the account and advised Capital finance of the impending settlement and they indicated in phone conversations that they were okay with that arrangement. Spiros did not receive any notices of default, although he did receive some computer generated letters asking for payment on the account. Once the divorce settlement had been finalised, the Capital finance account was paid out.
What were any challenges with the creditor?
Baycorp refused to remove the listing at the time of the investigation.
Why was the listing removed?
Baycorp advised that the removal was in the interest of procedural fairness however it appears that the real reason is because Spiros paid the account in full and the CIO complaint was taking so long.
Summary:
Spiros engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. The listing was the direct result of the time Spiros was going through a separation and a court order was in place to discharge the loan at settlement. Spiros only discovered the bad credit default listing when he applied for finance and got declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 593 days. Spiros* can now achieve finance approval. Congratulations Spiros and good luck!
Spiros’* 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
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