MyCRA Specialist Credit Repair Lawyers

Tag: bad credit

  • Video Tesimonial: Mike Goldman

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]We all loved Mike Goldman in Big Brother. We recognise his face & his voice on T.V. ads and you might also have seen his new flick, Killing Goldman.

    What you might also realise is that even personalities and celebrities can fall foul of Australia’s negative credit reporting system.
    (Mike was one of the 9 in 10 people we can help to clean his credit rating.  There is every chance that you are likely to have the same success.)
    Watch the short video below where Mike Goldman explains how he became another victim of the bad credit monster.    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_youtube id=”/d9l1gZdKH8o” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]

    We can help you remove your bad credit defaults so you can get your finance.

    If you want a clean credit rating and want to avoid the shonks that are not legally trained, Call Mycra Lawyers now on 1300 667 218 for a no obligation chat about your specific circumstances and chances of success.  We’re here to help you.

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • How To: Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired Too

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_title size=”2″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]This Video Shows You How To Easily Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired.[/fusion_title][fusion_text]The form has changed a little to make it easier for you.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_youtube id=”GGhQf1bV_rQ” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]In this Video we show you how to:
    Easily Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired Too.

     

    Transcription

    In this video we’ll show you how easy it is to refer a client or a friend to Mycra Lawyers.

    Hi I’m Graham Doessel, Chief Executive Officer.

    First thing of course is to make sure you’re at Mycra Lawyers home page. That’s M-Y-C-R-A Lawyers – L-A-W-Y-E-R-S dot com dot au home page.

    Once your there, just click on the – sorry hover over the “Home” button and click on “refer a friend”. if that button has moved at any stage, you can always just type in the full address: www.mycralawyers.com.au/online-referrer

    That’s www.mycralawyers.com.au/online-referrer.

     And it’s very very simple. It is just a matter of filling in the form. here we have your details so –  your details go in here, and your client details go down the bottom here in the green so you’re in the orange, clients in the green. And as soon as you fill that data in, press “send your referral” down here. Just here. Press “send your referral”. What that will do is when you put your email address in here – just here – it will send you a copy of the referral and it will send a copy directly to Mycra Lawyers as well.

    You get the choice to choose whether or not you want us to contact the client directly or just give you a call first. It’s entirely up to you. We want to work with you the easiest way possible.

    So, that’s how easy it is to send a client – refer a client or a friend to Mycra Lawyers.

    Hope that helps.

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Who Says You Can’t Polish A Turd

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Last night I went to a business networking event and there were more than 250 other business people there.

    I was asked what we do at Mycra Lawyers. I said I help people remove defaults from their credit ratings so they can get the finance they’re after and I began to explain how studies reveal that there are more than three million (3,000,000) people out there with the type of bad credit that we might be able to remove or correct.

    I explained that most of these people probably don’t even know about the defaults as in many cases, the creditors may not have notified them the default was being added.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”center top” border_size=”0px” border_color=”” border_style=”solid” padding=”0px” margin_top=”0px” margin_bottom=”10px” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”dropshadow” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ hide_on_mobile=”no” class=”” id=””] Who says you can't polish a turd[/fusion_imageframe][fusion_text]

    Believe it or not, this is a polished turd

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Many of these defaults were due to a one off event and that these were mostly good people that had had bad circumstances.  Things like a serious illness, a bad relationship break up, loss of a job, Identity Theft, or even simply disputing a bill…

    In many cases, if the client was aware they’d be defaulted, most would have paid the bill long before it resulted in a bad credit rating.

    This is the point where one person said with a sly smirk, “Yeah, but you can’t polish a turd”

    I was offended for every client. I wanted to wipe that smirk off his face but Mum always told me to behave in public…

    I said to (lets call him ‘X’) X, what do you mean, “you can’t polish a turd”?[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_youtube id=”aTPTRhaguvs” width=”300″ height=”200″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]X said, “If these people just paid their bills on time, they wouldn’t have this problem.”

    It’s unfortunate that people that haven’t been through something as traumatic as a death in the family or the loss of a job etc can sit on their high horse and judge.

    I have been bankrupt.  It is a major part of why, since 2003, my focus has been on helping people with bad credit issues.

    In 1999, I took on a business partner who believed it was in my best interest if he helped himself to money that he had encouraged me to borrow… I was naive.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”0″ padding_bottom=”0″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Long story short, he left me with no cash and no way to pay the bills that I believed had already been paid…

    Since then, I have made it my mission to help others learn from my mistakes and avoid having to feel it themselves.

    Most of our clients at Mycra Lawyers are Good People that have had a tough time in the past, have got their ‘stuff’ together and are trying to move forward.

    Many are held back by defaults that may actually have been placed unlawfully.  It is our job to uncover what legislation or compliance breaches have occurred and to then instruct the creditor to remove the unlawful default.

    Historically this has happened in up-to 91.7% of cases.  That’s a better than 9 out of 10 success rate.

    So, back to polishing a turd…

    When I heard this statement, apart from making my blood boil at the shortsightedness of it, it reminded me of an episode of Myth Busters where they in fact proved you can polish a turd…[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]So, to all the Naysayers out there that seem to believe a person’s mistake defines them for life, I say phooey to you…

    Our clients are good people that have had a ‘turd’ of an experience that deserve a second chance and that’s what we aim to do. To give them that second chance that they deserve.

    Just because they went through a messy breakup and their partner ‘forgot’ to make the payments that they said they’d make, or they were focused on their family when they had a death in the family and overlooked the credit card bill…  Or they sold their house, told the energy company “connect the [new address] on this date, disconnect the [old address] on this date as we are moving” then the energy company sends the final bill 3 months later to the old address… then because it’s not paid, they get a default???

    This stuff happens all the time and don’t get me started on the rising number of Identity Theft issues that cause even more grief and are definitely nothing to do with the victim…

    If you get a potential client or meet someone that may have a bad credit rating, don’t be an ‘X’, show some compassion.  It’s likely that it’s not a fair judgement.  It’s likely it’s unlawful and it’s likely it can be removed.

    So, in the words of Adam and Jamie…[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ hide_on_mobile=”no” class=”” id=””] Myth Busted![/fusion_imageframe][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”shadow” top_margin=”” bottom_margin=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]If you or someone you know or care about has (or may have) bad credit, call Mycra Lawyers for now on 1300-667-218 for an obligation free 10 minute confidential chat with one of my team to see if you are likely to be in the up-to 9 in 10 people we can help.

    Refer a friend or client here

    Send us a message here

    Call 1300-667-218 now

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]And for a quick giggle, here’s a Youtube version of Adam & Jamie from Myth Busters proving you can polish a turd…[/fusion_text][fusion_youtube id=”yiJ9fy1qSFI” width=”400″ height=”300″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Case Study Daniel From Vic Axess Default Bad Credit Repair

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    Bad Credit Rating Removal Case Study

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    Client Profile:

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    Name: Daniel
    State: VIC
    Sex: Male
    Age: 26
    Married/Single: De Facto
    Listing Type: Default
    Original Creditor: Vodafone
    Current Creditor: Axess Debt Australia
    Paid / Unpaid: Paid
    Listing Amount: $691
    Commenced work: 03/11/2014
    Default Resolution: 15/12/2014
    case study image

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=”” border_sizes_undefined=”0px” first=”true” min_height=”” hover_type=”none” link=”” border_position=”all”][fusion_text]Credit Repair Background:
    Daniel was still living at his parents’ house when this default was reported on his credit file. At the time of the listing, he was suffering emotional and financial hardship due to his brother passing away. This situation resulted in him being unable to work which resulted in him being unable to pay his bills.

    What were any challenges with the creditor?
    There were no issues with the creditor as we presented our case and  they responded to our requests in a timely manner.

    Why was the listing removed?
    Our team informed Vodafone of the circumstances that surrounded Daniel at the time of the listing. They were completely understanding of his situation and understood why he was not able to discuss his circumstances with them at the time. They requested a stat dec to outline his hardship and removed the default once this was provided.

    Summary:
    Daniel approached Mycra Lawyers with 3 remaining defaults as he had previously used another Credit Repair Firm who had been unsuccessful in removing these listings. Daniel was able to have these other listing removed in 30 days also-   Congratulations Daniel!

     

    Click HERE do download the PDF version of this Case Study

     

    Call Mycra Lawyers today if you are struggling with bad credit and need a hand getting it removed fast.  Call 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • The Reality of a Default

    [fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 1:

    You are a young parent in your 20s. This is probably the most exciting time of your life. You plan all the trips you wish to take your new born child on. Therefore, you desperately require a new car to transport your growing family. You apply for the car loan but you learn of two defaults existing on your credit file.

    Cost of this: No car to transport your newborn child.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 2:

    You have been working really hard for two years in a full time job. You receive a solid and steady income. Every week you put money aside to save for a deposit on your new home. You have been planning and designing every detail from the flooring to the fabric of the curtains. You wonder if you will ever there. You reach your goal amount! You are now able to begin searching for the house you have been working so hard for.

    You do some research, find a mortgage broker, and begin the process of applying for a home loan. Your mortgage broker asks you a standard array of questions. One of those questions is if you have any problems on your credit file. You declare a store card that you had when you were younger. At this time your spending was out of control and you were unable to keep up with the payments.  Although you eventually paid this debt you were still struck with a black mark on your credit file at that time.

    Because of this, you could only be approved for high interest finance through a second-tier lender.  They charged a large initial fee and offered an interest rate two percent above what you could have got if you had a clean credit file.

    Cost of this: A large amount of your deposit.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 3:

    You and your partner have been saving for your retirement all of your life. Your children have moved out. You both decide that this is now a prime time to fulfill your dreams of adventuring to all the places you wish to visit on your own boat. You have collectively decided on the boat that suits both your needs.  This will make your retirement the luxury experience it should be.

    You approach a broker to be told the devastating news that there is currently a court judgement on your credit file. This court judgement would remain on your credit file for another four years.  The judgement had arisen as part of a commercial dispute that had now been settled. Your broker could not recommend a second-tier lender because the interest rates were so high that you would be put in hardship trying to pay the monthly instalments.

    The worst part is the cost of finance to purchase a leisure product is expected to rise over the next four years. Therefore, when your credit file is clear, you wouldn’t be able to afford to purchase the dream boat. Taking away you and your partners dream of adventuring around the world on your own boat. Something you have both planned for all your life.

    Cost of this: Unfulfilled life dreams[/fusion_text][/fusion_builder_column][fusion_builder_column type=”5_6″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]The thing that all these three scenarios have in common is a default has affected their way of life or dreams within life. These scenarios demonstrate the inability to obtain adequate finance. Defaults on credit files could cost you more than the cost to have it removed.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Know The Credit Repair Scammers

    [fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Your credit score matters. Scammers know this, and they make a living preying on those desperate to improve their score.

    How the scam works:

    You get a phone call or see an ad for a company that claims it can instantly repair your credit. Your poor credit rating has been a barrier to preventing you from achieving.

    You contact the company, and they promise to remove past credit mistakes, such as late payments or a bankruptcy, from your credit report.

    How to identify a credit repair scam:

    Please find below the 5 main points to help you not be caught out with a Credit Repair scam:

    • The company promises to remove all negative information from your credit report. If the information is lawful and accurate, they cannot remove this.
    • You are urged to get a new ‘credit identity’. This is just a sales pitch!
    • Ensure you check all information. Make sure you sign a contract and that it contains the terms of your agreement, including the price, the time period and the services to be performed.
    • Research the prospective company to ensure you know their reputation.
    • Be wise enough to choose MyCRA Lawyers.

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Case Study Vanessa From Qld Citibank Default Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Vanessa Default Case Study

     

     

  • Case Study Severino From Vic Court Judgment Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Severino Judgment Case Study

     

     

  • Case Study Lisa From WA A and S Default Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Lisa Default Case Study

     

     

  • Case Study Bradley From WA Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Bradley Clearout Case Study

     

     

  • Case Study Linda From VIC Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Linda default Case Study

     

  • Case Study Ayii Vic 18 Minute Fast Bad Credit Repair

    Click this link to download the PDF  Mycra Lawyers Ayii Default Case Study (record 18mins)

     

  • Bad Credit Rating Removal Case Study Bradley WA

    [fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=”” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” hover_type=”none” link=”” border_position=”all”][fusion_imageframe image_id=”7670|full” max_width=”” sticky_max_width=”” style_type=”” blur=”” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align_medium=”none” align_small=”none” align=”none” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” lightbox=”no” gallery_id=”” lightbox_image=”” lightbox_image_id=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″]https://mycralawyers.com.au/wp-content/uploads/2015/10/ML-logo-letterhead-header-20151015-e1445322644153.png[/fusion_imageframe][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    Client Profile:

    [/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    Name: Bradley
    State: WA
    Sex: Male
    Age: 42
    Married/Single: Single
    Listing Type: Clear out
    Original Creditor: Cash Converters
    Current Creditor: –
    Paid / Unpaid: Unpaid
    Listing Amount: $716
    Commenced work: –
    Default Resolution: –
    case study image

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” type_medium=”” type_small=”” order_medium=”0″ order_small=”0″ dimension_spacing_medium=”” dimension_spacing_small=”” dimension_spacing=”” dimension_margin_medium=”” dimension_margin_small=”” margin_top=”” margin_bottom=”” padding_medium=”” padding_small=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” hover_type=”none” border_sizes=”” border_color=”” border_style=”solid” border_radius=”” box_shadow=”no” dimension_box_shadow=”” box_shadow_blur=”0″ box_shadow_spread=”0″ box_shadow_color=”” box_shadow_style=”” background_type=”single” gradient_start_color=”” gradient_end_color=”” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” render_logics=”” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”no” border_position=”all”][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Do You Have Too Many Enquiries On Your Credit File

    Do You Have Too Many Enquiries On Your Credit File

    Did you know that too many credit enquiries (online credit card application & loan enquiries etc.) can stop you getting your home loan?
    Q. What is a credit enquiry?
    A. A credit enquiry can be generated whenever you actually apply for a form of finance or credit.

    Q. How many credit enquiries is too many credit enquiries?
    A. That depends on the type of finance you are applying for. We do know though that as little as 3 credit enquiries can stop you being approved for your home loan.

    Q. Do I need to be approved the finance for it to be recorded on my credit file?
    A. No, the simple act of making an application (online or offline) can show up as an enquiry

    Q. What information is recorded on my credit rating?
    A. Usually, your credit file will show:

    • The Date of the enquiry
    • The amount you applied for
    • Creditor you applied through
    • If it was just you or if you applied with a partner
    • The reference number of the enquiry
    • If the enquiry was for commercial or consumer purposes
    • And finally the reason for the enquiry (I.e. Car loan, overdraft, mortgage etc.)

    Q. Is there anything else I need to know about Credit Enquiries?
    A. Yes, be wary where you get a copy of your credit file as the wrong type of enquiry can hurt you even more.

    • for example, if you have a company “We Remove Bad Credit” listed on your credit rating, it will raise a RED FLAG for many lenders.
    • MyCRA Lawyers can help you get a copy of your credit file BUT
    • MyCRA Lawyers will NEVER appear on your credit file

    Q. Where can I quickly and easily get a copy & check my credit file?
    A. If you need to check what is on your credit file today, MyCRA Lawyers (Tel: 1300-667-218) can help you get a copy (with no trace of MyCRA Lawyers) of your Equifax (Formerly Veda Advantage) Credit file (with your credit score) and a copy of your Dun & Bradstreet credit file from within one business hour…

    To get a copy of your Equifax (Formerly Veda Advantage) and your Dun & Bradstreet credit reports, call MyCRA Lawyers on 1300 667 218 now.

    If too many enquiries are stopping you getting your finance, Call MyCRA Lawyers has been successful in removing credit file enquiries.

    Call MyCRA Lawyers now on 1300-667-218 to have MyCRA Lawyers help you remove excess credit enquiries now.