Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

ACM Group

Commenced work:                          01/02/2018
Default Resolution:                        16/04/2018

Credit Repair Background:
Peter had lost his phone and replaced through insurance. The new phone was stolen and he made another insurance claim then got a bill for $1000. Peter raised dispute with Telstra regarding this and this was never resolved. He was told by a representative in store that if he pays the $1000 they still could not guarantee that the phone would be replaced.  He eventually ported his number out because dispute was never resolved.

What were any challenges with the creditor?
ACM Group refused to remove the default. They have also refused to provide all the required documents.

Why was the listing removed?
MyCRA Lawyers drafted TIO complaint. The grounds raised were that there was an unresolved billing dispute, no intention to list notice and no consent to disclose Peter's information to a CRB. Telstra agreed to remove default and credit back most of the charges because of the unresolved billing dispute.

Peter was referred to MyCRA Lawyers by his mortgage broker. He engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. The listing was the direct result of an unresolved billing dispute with Telstra. Peter only discovered the bad credit default listing when he applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 74 days. Peter* can now move forward financially. Congratulations Peter and good luck!

Peter’s* name has been changed to protect privacy
