You may have heard recently, that Court Judgments cannot be removed from credit files since Veda Advantage (now Equifax) changed the rules in May 2015.

One of the things you’re really going to love about MyCRA Lawyers is that, because we are a Law Firm, and we actually know the law, we were not affected by Veda’s (now Equifax) changing the rules, and this means MyCRA Lawyers Still Removes Court Judgments From Credit Files.

We even tell you how we do it in our blog about Judgments.

If anyone is telling you Judgments can no longer be removed from credit ratings, RUN away from them as fast as you can… Keep reading as we expose yet another unqualified dodgy ‘credit repair company’.

Before we go any further, can I address the ‘elephant in the room’.  
You are probably sitting there reading this email, thinking about all of the conflicting information you receive from ‘credit repair companies’ telling you, you can do this, you can’t do that and it really gives you the… ‘shivers’.

It is very simple.  Some of these ‘credit repair companies’ actually fluke a number of successes, but they are neither legally qualified nor legally competent in consistently helping your clients.  

Seriously, if you were charged with a crime unfairly, would you go to ‘crime clean’ or ‘we fix crime’ or ‘crime wash’ or ‘crime repair Australia’? No, you would do the smart thing and seek out a good Lawyer that comes with recommendations and a proven track record in helping their clients overcome these injustices.

Are You Risking Your Reputation?
So why are you risking your professional and personal reputations (not to mention your professional indemnity insurance cover)? 

I’m not going to tell you that you should only refer your clients to MyCRA Lawyers because that is something you need to do, only when you have weighed up all of the risks, and come to that safe decision yourself.  

You have PI insurance.  Do these ‘credit repair companies’ have PI Insurance to protect your clients? – If something goes wrong because they’re not legally qualified to provide these legal services, who is your client going to try and sue?

You have a legal requirement to meet certain legal compliance standards.  Do these ‘credit repair companies’ meet any statutory minimum legal compliance standards at all?

MyCRA Lawyers regularly removes defaults that dodgy credit repair companies took money for, and told the consumer that the default could not be removed.  What they were saying it seems, is that THEY (the dodgy credit repairer), did not have the requisite skill or intention or commitment to do the legal work actually required to successfully remove the default.

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Are You Guilty Of Misleading And Deceptive Conduct?
You are probably aware of the consequences of making misleading and deceptive claims.  The ACCC is not someone you want to have Auditing your every move.  Yet these ‘credit repair companies’ seem to laugh in the face of the regulators.  Here’s another example.

A video was uploaded this month by a ‘credit repair company’ that claims to be ‘Australias Leading Credit Repair Company’. This self-proclaimed ‘leader’ claims to be an expert in credit repair and attempts to interpret the legislation and attempts to give legal advice to vulnerable consumers… It’s Just Plain Wrong!

The image below was taken from a video uploaded by this ‘credit repair company’ this month.
The video refers to yet another DIY kit that provides vulnerable consumers with out of date and misleading and deceptive advice.

Out Of Date Information.
The legislation referred to in the video above was replaced almost 2 years ago as indicated in the image below which was taken from comlaw.gov.au tonight and which anyone competent in this area would know was repealed in March 2014.

You might want to ask yourself, if this ‘credit repair company’ wasn’t even aware the legislation was updated almost 2 years ago, what else might they be completely missing?

These are the risks you personally are subjecting your clients to, when you refer your trusting clients to these unqualified wannabe lawyers.  Can you afford to put yourself and your clients at this level of risk?  Do you know your Duty Of Care obligations?  Some serious food for thought.

If you want to be safe, and give your clients their best chance at a removal resolution, you might give some serious thought to only referring your clients to MyCRA Lawyers, and remember, Judgments CAN be removed from Credit Ratings.