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The following two (2) examples of the types of matters the team at the Credit Repair Clinic deal with on a daily basis:

EXAMPLE OF A DEFAULT LISTING WHICH IS NOT REMOVABLE!

FACTS:

  • Client had mobile phone account. Client closed account and ported account to another company.
  • Client moved address without notifying the company.
  • Client lost access to telecommunication company's online automated service.
  • At the time the client closed the account an invoice was issued half the invoice was paid and the other half remained outstanding.
  • Six months later client received letter from debt recovery firm requesting payment for outstanding amount.
  • Upon receipt of letter client paid account in full and discovered a default listing was place on his credit file.

OUTCOME:

  • The companies records showed the client ported the account to another carrier and the
  •  company attempted to advise the client at their last known address as to the outstanding on two separate occasions.
  • The two letter forwarded to the client contained a warning to the client that a default shall be placed on their credit file in the event of non payment.
  • The listing against the client is valid for the following reasons
  1. The account was overdue.
  2. Credit Provider has sent written notice to client last known address requesting payment. The credit provider notified the client that it may provide their information to a credit reporting agency.

2. EXAMPLE OF A DEFAULT LISTING WHICH IS REMOVABLE!

FACTS:

  • A company listed a default on a client's credit file
  • The default was listed some 2 years after the debt become unenforceable at law.

OUTCOME:

Timeline: debt established in 1999 it was listed in 2007 statute barred at law as such the debt is not enforceable if proceedings are not commenced within 6 years of the debt arising. Therefore the default listing was removed.

Each affectation appearing on a Credit File is unique and needs to be treated accordingly. The team at the Credit Repair Clinic are highly trained and experienced, giving you the best chance of repairing your credit file and re establish your credit worthiness. There is a wrong way and a right way to list a default on a credit file. It takes knowledge; experience and focus to be able successfully negotiate your way through this complex field, qualities our team has an abundance of.

PLEASE CONTACT US FOR ANY ASSISTANCE YOU MAY REQUIRE. WE ARE HAPPY TO DISCUSS ANY ASPECT OF OUR SERVICE AND HOW WE MAY BE OF BENEFIT.

Make an online express enquiry or call us on (02) 8677 7299.