How One Credit Enquiry Can Destroy Your Credit Score
Learn why payday lender credit enquiries can cause automatic declines from major banks. Discover how a single enquiry stays on your file for 5 years and what you can do about it.
Did You Actually Receive Your Default Notice? Understanding Your Rights Under Australian Credit Law
Many Australians have defaults on their credit file without ever receiving proper notice. Learn about your legal rights and what creditors must do before listing a default.
Is There a Time Limit for Listing a Default? Understanding the Legal Timeframes Creditors Must Follow
Creditors must follow strict timeframes before listing a default on your credit file. Learn about Section 6Q and 21D(3) notices, mandatory waiting periods, and what happens when creditors miss their window.
What Is RHI and Why Is It Quietly Killing Your Credit Score?
Repayment History Information (RHI) may be silently damaging your credit score every month. Learn what RHI is, how it works, and what you can do about inaccurate reporting.
Why Some Creditors Remove Defaults Faster Than Others
Learn why some creditors remove defaults faster than others. Discover the 4 key factors affecting default removal timeframes: compliance culture, established relationships, creditor attitudes, and debt ownership.
ASIC Probe – Credit Repair Investigation: Premium vs Predatory Services
ASIC's investigation into debt management and credit repair services exposes a critical divide in the industry - between legitimate premium legal services and predatory operators exploiting vulnerable consumers. As CEO of MyCRA Lawyers, Graham Doessel explains why higher legal fees actually protect consumers, the importance of professional regulation, and how to distinguish between qualified legal representation and companies that make empty promises to desperate clients. Learn what ASIC's probe means for Australian consumers seeking credit repair services.
Sunshine Loans vs ASIC
TL;DR Summary Sunshine Loans lost an appeal against ASIC [...]
Housing Affordability vs Wage Growth
Housing Affordability vs Wage Growth Houses are much [...]
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Credit Repair Information Pack (for Brokers)
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Major Overhaul of RBA Announced by Albanese Government
The Albanese government announces a major overhaul of the Reserve Bank of Australia (RBA), including changes to interest rate-setting powers and central bank operations. Discover how this new vision will reshape Australia's monetary policy landscape.
Google Launches Drone Delivery Service in Brisbane
Google launches drone delivery service in Brisbane, Australia, partnering with Wing, Mirvac, Ipswich City Council, and DoorDash. Explore how this innovative expansion transforms delivery services, reduces traffic, and cuts emissions for a more sustainable future.
100% Mortgage Stress Hits Hard
Discover the impact of the Reserve Bank's interest rate hikes on Australian households, as shared by financial expert Mark Bouris. Learn how mortgage stress is disproportionately affecting young families and certain regions across the country. Stay informed about the financial landscape to make informed decisions and safeguard your financial future.
☠️☠️ LATITUDE Got Hacked – Are You Affected? Open to read more…
In this blog post, we discuss the recent cyberattack on Latitude Financial and the potential risks it poses to over 300,000 customers. We urge customers to take immediate action to safeguard their personal information by regularly checking their credit report, changing login details, enabling two-factor authentication, contacting Latitude Financial to find out if their personal information has been compromised, freezing their credit, monitoring financial statements, and being wary of phishing emails. MyCRA Lawyers specializes in credit repair and can help customers monitor their credit report for any unusual activity resulting from the Latitude hack. Contact us at 1300 667 218 to learn more about how we can assist you during this difficult time.
12 ways The LGBTQ+ Experience Financial Discrimination
If you're a member of the LGBTQ+ community and you've been denied credit or experienced other issues while trying to secure a loan, you're not alone. In this post, we outline 12 of the most common challenges faced by LGBTQ+ people when seeking credit, from discrimination to a lack of legal protections. We also provide tips on how to overcome these obstacles and secure the credit you need. Read on to learn more.