We Remove Bad Credit
Over 14 Years Of Specialist Legal Experience Means You Are In Safe Hands.
We Can Help Improve Your Credit Score.
Judgment Removal
Process
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Default Removal
Process
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Enquiry Removal
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Late Payment
Removal Process
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A Note From Our CEO
Hi, I’m Graham Doessel,
And I Help To Get Good People Out Of Bad Situations.
I believe the credit reporting system in Australia is grossly unfair to good honest Australians that may have run into a bit of chaos at some point. Even if you’d committed a serious crime, you’d still get to defend yourself before being convicted, but a creditor can default you, effectively sentencing you to five years Hard Labour in ‘Credit Prison’ where you are completely stuck with little to No Options or chances to move ahead Unless MyCRA Lawyers comes to your rescue.
Since 2009, I have made it my personal mission to help as many people as I can get ‘Early Release’ and where possible, a ‘Full Pardon’ by proving you should never have been sentenced (defaulted) in the first place!
We Are Legal Professionals
Our Credit Repair Lawyers are specially trained.
They can remove virtually any default affecting your credit score.
*Even If It Was Your Debt & It’s Still Unpaid*
Here’s A Few Of Our Case Studies
NAB Default Removed In Just 71 Days
Background:
The debt was from when equipment was stolen in a robbery from their shop. Liana and her husband did not have insurance to cover the loss. NAB told Liana that if they paid $5000, they would remove the default.
Liana paid the money however NAB never removed the default.
What were any challenges with the creditor?
MyCRA Lawyers have not received further documents we have requested from NAB’s Collections Defaults Team.
Why was the listing removed?
MyCRA Lawyers drafted an FOS complaint and an OAIC complaint. FOS advised that the listing was removed, however, our Law Firm never received any correspondence from NAB regarding this.
Summary:
Liana and her husband were referred to MyCRA Lawyers by their mortgage broker. Liana engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time the equipment they purchased was stolen from their shop and they did not have any insurance to cover the loss. Liana only discovered the bad credit default listing when she applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 71 days. Liana* can now achieve finance approval. Congratulations Liana and good luck!
Westpac Sold Jason’s Debt To Baycorp
Background:
Jason had an overdue account with his Westpac credit card. He never received any communication with regards to the overdue amount. Jason and his wife moved address and had a mail direction service with Australia post, but still, he did not receive anything from Westpac. Westpac then sold the debt to Baycorp.
What were any challenges with the creditor?
Baycorp refused to remove the default at the time of the investigation.
Why was the listing removed?
MyCRA Lawyers lodged a complaint with the ombudsman. MyCRA Lawyers complaint raised the following issues: no s88, no accelerated 6Q and no 21D (Baycorp only provided templates). While the CIO complaint was still ongoing, MyCRA Lawyers drafted ASIC complaint and presented this to Baycorp. Issues raised in MyCRA Lawyers’ complaint were: no credit guide provided by Baycorp (s 160 NCCPA), breach of general conduct requirement (s 47 NCCPA), no statement of amount owing (s 36 NCC), no copy of contract (s 20 & 185 NCC), no s 88 NCC. This started negotiations regarding a resolution. Baycorp then agreed to remove the default and presented Jason with a proposed repayment arrangement.
Summary:
Jason engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. Jason only discovered the bad credit default listing when he did a CRA check and saw the default. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 491 days. Jason* can now move forward financially. Congratulations Jason and good luck! MyCRA Lawyers keeps going even when it gets difficult.
Sarina’s Macquarie Default Erased In 47 Days
Background:
Sarina had multiple enquiry listings on her credit report. She claims she has never had any dealings with any of the particular creditors before. She suspected that the enquiries were fraudulent, and were made by a former Director or staff member as they would have had access to her personal information.
What were any challenges with the creditor?
The creditor responded to our Law Firm requests in a timely manner.
Why was the listing removed?
MyCRA Lawyers advised Macquarie that Sarina claims that the enquiry was fraudulently made and Macquarie requested a statutory declaration be provided. Sarina provided this and Macquarie agreed to the removal based on fraud.
Summary:
Sarina engaged MyCRA Lawyers to investigate the likelihood of removal of enquiry listings on her credit file. These listings were the direct result of the applications made fraudulently. MyCRA Lawyers negotiated the successful removal of her bad credit enquiry listing in 47 days. Sarina* is now aone step closer to achieving her finance approval. Congratulations Sarina and good luck!
18 Days & Amalia’s Vodafone Default’s Deleted
Background:
From the moment Amalia started her contract with Vodafone, she had never received an invoice. She contacted Vodafone to advise them that she had not been receiving any billing information and they advised her that they already forwarded the account to credit collections.
Amalia received a demand letter from the collections department. Amalia then made an arrangement with Vodafone, however Vodafone advised that the account has been terminated and that Amalia has to pay the amount in full. At the time, she was not able to pay such a huge amount. No follow ups were received from Vodafone after that.
What were any challenges with the creditor?
The creditor responded to MyCRA Lawyers requests in a timely manner.
Why was the listing removed?
Vodafone were advised of the difficulties due to which payments were delayed on this account which eventually led to the listing of default. Vodafone then agreed to remove the default.
Summary:
Amalia was referred to our office by her mortgage broker. MyCRA Lawyers negotiated the removal of her default in just 18 days and Amalia can now move forward financially. Congratulations Amalia and good luck!
https://mycralawyers.com.au/case-study-removal-amalia-had-a-vodafone-default-removed/
How We Work
3 Simple Steps To Clean Credit:
Appointment
Let’s have a chat – We’ll explain your credit file and all your options (Send it in, or we’ll get it for you).
Audit
We audit your creditor to uncover all the technical errors made by your creditor in the way you were defaulted.
Success
Your creditor is instructed to remove your default Immediately – CONGRATULATIONS – you get to buy your home!
Bad Credit vs Clean Credit – Calculator
1. Enter your Mortgage amount.
2. Then enter the best Interest Rate you can find.
3. Then enter the bad credit interest rate,
(normally between 2 – 6% higher) and then
4. Press Calculate
| BAD Credit Vs Clean Credit – Comparison Chart | ||||||||
| Interest rate | Loan Details | |||||||
| Clean Credit | Bad Credit | Loan Amount | Loan Term | |||||
| mths | ||||||||
| Repayments | Daily | Weekly | Monthly | Annually | Life of loan | |||
| Clean Credit |
$93.34
|
$655.14
|
$2,838.95
|
$34,067.34
|
$1,022,020.20
|
|||
| Bad Credit |
$138.22
|
$970.22
|
$4,204.27
|
$50,451.25
|
$1,513,537.57
|
|||
| Extra Repayments |
$44.89
|
$315.08
|
$1,365.33
|
$16,383.91
|
$491,517.37
|
|||
Speak To Your Mortgage Broker
This is general advice only. Please speak to your preferred mortgage broker for the most up-to-date interest rates.
Please book an appointment with my lawyers and paralegals to discuss your credit repair plan today.
Here’s What A Few Of Our Clients Have To Say!
Here’s Just A Few Of The Creditors We’ve Removed From Our Clients’ Credit Files
CASE STUDIES
Information
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Suite 12, 104 Gympie Road Strathpine, QLD 4500 Australia.
PO Box 7228 Brendale, Qld. 4500
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Information on this site is intended to provide general information and understanding about settling debts and removing default listings. It is not intended to provide legal advice.
Every person’s situation is unique and the information provided may not be suitable for your specific circumstances. While we have made every effort to ensure the information is accurate and useful, we make no guarantees of its applicability to your situation.
We strongly recommend that you seek professional legal advice before taking any action based on this information. Legal matters can be complex and the consequences of taking the wrong action can be serious.
If you need assistance with your specific situation, MyCRA Lawyers is here to help. They can provide a more customised approach to your debt settlement and default removal needs. You can contact MyCRA Lawyers on 1300 667 218 for more information.
By using this site, you understand and agree that the authors and publishers are not providing legal advice and are not liable for any decisions you make based on this information.
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Please Note:
This website contains examples, case studies, Google Reviews, and testimonials of our happy clients talking about their successes.
I am sure you realise that every legal case, every legal file and every legal matter is unique, different, and specific to that person and their circumstances.
If we think your chances of success are low, or sometimes non-existent, we will tell you.
In fact, before we agree to take you on as a client, we must see an up-to-date copy of your Equifax or Illion credit file (preferably both) and have a one-on-one conversation with you to make sure you are fully aware of your options and risks, even if that means not dealing with MyCRA Lawyers.
Remember: past results are not a guarantee of your future success.
This website is based in Australia