bad credit – Page 4 – MyCRA Specialist Credit Repair Lawyers

CASE STUDY – REMOVAL – Fred (Ref:14882) from Queensland had his Commonwealth Bank of Australia/Pioneer Credit default removed in 26 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers 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:	Fred*
State:	QLD
Listing Type:	Default
Original Creditor:	Commonwealth Bank of Australia
Current Creditor:	Pioneer Credit
Paid / Unpaid:	Unpaid
Listing Amount:	$11,781
Commenced work:	09/07/2020
Default Resolution:	04/08/2020

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][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=”” 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=””]

Case Review

Fred* engaged MyCRA Lawyers to investigate the validity of eight default listings on his credit file. The listings resulted when the initial credit was obtained and used for Fred’s* ex-partner and when the relationship ended, the money was never paid. Fred* only discovered the default listings when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his default listings in 26 days. Congratulations Fred* and good luck!

Fred’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

23/02/2021

CASE STUDY – REMOVAL – Arkin (Ref:14947) from Victoria had his Telstra/Lion Finance default removed in 7 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers 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:	Arkin*
State:	VIC
Listing Type:	Default
Original Creditor:	Telstra
Current Creditor:	Lion Finance
Paid / Unpaid:	Paid
Listing Amount:	$4040
Commenced work:	21/07/2020
Default Resolution:	28/07/2020

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][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=”” 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=””]

Case Review

Arkin* engaged MyCRA Lawyers to investigate the validity of a Telstra / Lion Finance default listing on his credit file. The listing resulted when Telstra failed to call or email Arkin* advising there was an overdue amount. Arkin* only discovered the default listing when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his default listing in just 7 days. Arkin* can now move forward financially. Congratulations Arkin* and good luck!

Arkin’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

23/02/2021

CASE STUDY – REMOVAL – Terrence (Ref:15060) from Victoria had his ANZ Bank/Credit Corp default removed in 2 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers 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:	Terrence*
State:	VIC
Listing Type:	Default
Original Creditor:	ANZ Bank
Current Creditor:	Credit Corp
Paid / Unpaid:	Unpaid
Listing Amount:	$7755
Commenced work:	04/08/2020
Default Resolution:	06/08/2020

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][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=”” 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=””]

Case Review

Terrence* engaged MyCRA Lawyers to investigate the validity of two default listings on his credit file. The listings resulted from a workplace injury he had which resulted in him needing to have back surgery. He was off work for years. Terrence* only discovered the bad credit default listings when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 2 days. Congratulations Terrence and good luck!

Terrence’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

23/02/2021

CASE STUDY – REMOVAL – Lianna (Ref:15018) from South Australia had her Commonwealth Bank of Australia/Panthera Finance default removed in 5 days

[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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

[/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

MyCRA (Specialist Credit Repair) Lawyers 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:	Lianna*
State:	SA
Sex:	–
Age:	–
Married/Single:	–
Listing Type:	Default
Original Creditor:	Commonwealth Bank of Australia
Current Creditor:	Panthera Finance
Paid / Unpaid:	Unpaid
Listing Amount:	$1811
Commenced work:	30/07/2020
Default Resolution:	04/08/2020

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][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=”” 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=””]

Case Review

Lianna* engaged MyCRA Lawyers to investigate the validity of two default listings on her credit file. The listing resulted when Lianna* and her mother were diagnosed with PTSD and her mother was unable to cope. Lianna* took the responsibility of paying bills and rent and supporting the family. Lianna* only discovered the default listing when she was later declined for finance. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in just 5 days. Congratulations Lianna and good luck!

Lianna’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

23/02/2021

CASE STUDY – REMOVAL – Chase* (Ref:14991) from Queensland had his Telstra/Credit Corp default removed in 3 days

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Bad Credit Rating Default Removal Case Study

[/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

MyCRA (Specialist Credit Repair) Lawyers 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:	Chase*
State:	QLD
Listing Type:	Default
Original Creditor:	Telstra
Current Creditor:	Credit Corp
Paid / Unpaid:	Unpaid
Listing Amount:	$2331
Commenced work:	31/07/2020
Default Resolution:	03/08/2020

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][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=”” 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=””]

Case Review

Chase* engaged MyCRA Lawyers to investigate the validity of a Telstra / Credit Corp default listing on his credit file. The listing resulted due to the loss of his job and relationship breakdown. MyCRA Lawyers negotiated the successful removal of his default listing in just 3 days. Chase* can now move forward financially. Congratulations Chase and good luck!

Chase’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

23/02/2021

Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

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Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

[/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=”” 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=””]

Liar Loans have been written about before, but did you know Banks are now trolling your Facebook and other Social Media spying on you without your consent?

This release highlights how a harmless joke on Facebook cost a young lady her chance at home-ownership – and it could happen to you too…

[/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

They were dubbed liar loans, where loan applications inflated earnings and assets and underestimated debts and liabilities, for a large part, brokers copped the blame, but just as many borrowers fudged their figures too.

A UBS study completed last year estimated up to a third of investment loans may have had less than honest declarations in the applications, this was despite the Royal Commission into Banking.

But it seems now banks have wised up that not all loan applicants were being completely honest and lenders are going above and beyond to check you are being truthful on your loan application, according to leading consumer and financial law firm MyCRA Lawyers.

“It’s a case of the banks are sick of being blamed for everything that is wrong in the lending world, so they are now going to the next level of due diligence. Banks are so strict in following procedure, they are catching out people who didn’t even realise they had lied,” MyCRA Lawyers CEO Graham Doessel said.

Mortgage broker Wendy De Graaf says she recently had a client rejected for a loan after the lender checked the Facebook status of her flatmate that had, as a joke, put they were in a relationship together.

“My client is genuinely single but her friend had on their Facebook status that they were partners and the bank saw this information and rejected the loan because it didn’t match what was on her application.

“I was shocked when they told me the reason for the loan rejection, it’s meant my client has missed out on buying her first home, Ms DeGraaf said.

“What’s even crazier is my client is a lesbian and her flatmate is male, but he did gift her some funds towards her deposit which is why the bank has looked at his social media as part of their investigation into approving the loan.

“There may be a lot more people being rejected because of what is on their social media and they don’t know it, the only reason I found out is because I had known the business development manager at the bank for so long and they told me about the social media status issue,” Ms De Graaf said.

Mr Doessel said your bank statements tell a story about you too, and if you don’t estimate your expenses correctly and the bank sees a different story in your expenditure, then you should expect to get rejected.

“There have even been stories where, as a joke, people transfer money to a friend and describe the transaction as a ‘sexual service’ even though it was their half of a dinner bill and the bank has seen the transaction and viewed it poorly when it came to approving a loan,” Mr Doessel said.

“Excessive use of food delivery services like Uber Eats, take away restaurants and online gambling will go against most people who apply for a loan.

“While the Royal Commission may have seemed like a free for all kick at the bank, in reality, a lot of it reflected poorly on borrowers too. Now banks not only are cracking down on their own behaviour but also customers which means it’s getting tougher for all of us to get finance,” he said.

So you can make sure you’re honest on your finance application, check you have clean credit by starting at www.FreeCreditRating.com.au – it’s free and knowing your data in advance could save you thousands in additional interest. If you get stuck, MyCRA Lawyers also offers a free Credit File Analysis and Explanation Service to help you make sense of your credit reports.

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10/09/2020

What Happens If You Lie On Your Home Loan Application? What could happen if you lie on your application?

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What Happens If You Lie On Your Home Loan Application?

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Studies reveal that 37% of home loan applicants lie on their homeloan application forms

With the real estate market hotting up homebuyers will need to make themselves look as good as they possibly can to get a loan in a very competitive and tightly regulated loan market.

Those suffering from FOMO, Fear Of Missing Out, may even be tempted to lie, inflating their earnings, assets and the like, but leading Australian consumer and financial law firm MyCRA Lawyers says don’t, because it’s potentially fraud and now your bank will find out.

Despite that it seems Australians, particularly those taking out investment loans, are fudging their applications.

A recent survey by investment bank UBS found up to 37 percent of applicants had lied on their loan applications.

The survey of 903 Australians found those who had bought more than one property in a single financial year were the most likely to lie.

About half of borrowers with two or more investment properties admitted to being less than truthful about their earnings and debts.

“Chances are to date most people will get away with lying, but that’s now changed, as banks are able to see your statements even from another bank when you give permission as part of your loan application.

“Since the Royal Commission into banking lenders, particularly the big 4, have the ability to share information about potential borrowers.

It means if you lie about your wage the bank will be able to cross check it against your statements.

If you lie about your debts they will be able to check with just about every lender in the country except your local loan shark,” Mr Doessel said.

So what if you have already lied, well you might be okay, provided you don’t fall behind in your repayments or don’t try to refinance. But beware!

“It is fraud, and fraud is a serious crime in Australia punishable by jail,” Mr Doessel said.

“Even if you don’t get a ten year stretch, being convicted of a fraud offence is a real pain in the backside.

You might recall the last time you applied for insurance they asked if you’d been convicted of fraud, well now you will have to say yes, not only is it embarrassing, it means you won’t get insurance or at best have to pay a much higher premium,” he said.

“For most people the easiest way to boost your chances of being approved for a home loan or any loan for that matter is to have a deposit and a good credit history.

“A blemished credit file these days is behind more people to being rejected for a loan than almost any another cause.

“It is something easy to keep tabs on by annually requesting a copy of your credit file from the three credit reporting bodies in Australia, you can find links to these at https://www.FreeCreditRating.com.au, and if you find something we’re happy to take a look and point you in the right direction,” Mr Doessel said.

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10/09/2020

Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female

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It’s disgusting to think this could actually be true in 2020, worse still that’s it’s hidden in plain sight. This release lifts the lid on financial gender inequality and

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Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female!

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Are women being secretly discriminated against by credit reporting bodies?

Exactly how credit reporting bodies like Equifax, Illion and Experian come up with your credit score is somewhat of a mystery as each uses a slightly different formula to assess your creditworthiness.

We do know, however, that they do discriminate, in fact, that is their whole job, to discriminate.

To discriminate who is good with money and who isn’t, and who should get credit and who shouldn’t.

We assume (we say assume because it’s all a big secret), for example, you are discriminated against based on:

where you live,
on the job you have,
how long you’ve been in that job and of course
how good you’ve been at paying your debts in the past.

But do they discriminate based on gender?

Well leading Australian consumer and financial law firm MyCRA Lawyers says it’s highly likely they do.

MyCRA Lawyers CEO Graham Doessel says there is no shortage of evidence around the world that women are worse of financially than men, so it’s highly likely credit reporting bodies mark women down on their credit score simply because they are women.

A 2009 the Australian Human Rights Commission released a report ‘Accumulating poverty?

Women’s experiences of inequality over the lifecycle’ which puts a magnifying glass over a host causes to why women are worse off than men financially.

“The report looks at issues like:

the gender pay gap,
career progression,
maternity and parental leave,
gendered ageism, and
their effect on women’s financial position.

“All factors I am willing to bet, Credit Reporting Bodies would take into account when assessing a person’s creditworthiness, and could easily be grouped under the box male or female when ticked in your credit score calculation,” Mr Doessel said.

According to OECD figures, a host of statistics could be broadly attributed to women like their level of employment or unemployment and at what age they are likely to leave or re-enter the workforce.

“Problem is we don’t know for sure because Credit Reporting Bodies keep secret exactly what data they use, and what they give each factor when it comes to calculating a credit score.

“We believe it’s high time that gender was taken out of the equation, to ensure women have equal access to finance, after all, numbers don’t lie and your sex shouldn’t affect someone’s ability to repay a loan.

“I know many women who are far better with a budget than many men,” Mr Doessel said.

“It is quite possible Credit Reporting Bodies are in fact breaching anti-discrimination legislation but we just don’t know because they aren’t transparent.

“How do you test this, well short of someone checking their credit score before changing genders as male then again after transitioning to female, its almost impossible.

“Why is this a problem? If women indeed have a tougher time getting credit, it may exclude them from a host of wealth-building opportunities like buying a home or getting small business loans.

“We believe it’s time they were made disclose how they calculate a person’s credit score and made remove gender from the calculation,” Mr Doessel said.

If you need to check your credit score now, go to www.FreeCreditRating.com.au today for instructions and free access links.

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10/09/2020

Will You Still Be A Victim Of Coronavirus In Five Years

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Will You Still Be A Victim Of Coronavirus In Five Years

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As the economic ripple effects of the coronavirus hit Australian businesses, leading financial and consumer law firm MyCRA Lawyers urges people to talk to their creditors as soon as possible.

With the Queensland Government announcing relief measures for small to medium business in the form of a six-month deferral of payroll tax obligations, MyCRA LAwyer’s CEO Graham Doessel said: “it’s important to remember that while it’s extra time to pay, it doesn’t take the debt away.”

According to the World Health Organisation a vaccine for the virus maybe 18 months away, but the financial repercussions could last for five years.

“While to begin with it was just tourism operators and seafood exporters, the risk of an extended and prolonged economic downturn is real and affecting the entire economy,” Mr Doessel said.

“The problem is even though the tourists and customers may have stopped the bills won’t stop and that can mean defaults on people’s credit files.

“That may not sound serious but as soon as you are 14 days or more late in making a loan repayment it will go on your comprehensive credit file for two years.

“This will impact your ability to access credit. Get a default or a court judgement on your file and you will be feeling the financial symptoms of coronavirus for five years,” Mr Doessel said.

Mr Doessel said if you are struggling to pay bills then you should contact your creditors straight away and apply for hardship.

“Most lenders have a positive obligation to offer hardship in genuine cases, so for example, if you have had your casual work hours cut back dramatically due to coronavirus related causes, you may have a case for hardship provisions to kick in.

“The same goes for your business if you have seen your cash flow decimated due to coronavirus, reach out to your creditors and ask for some breathing room. Whatever you do, do not stick your head in the sand, because you can’t hide from your financial obligations.

“Lenders and companies like Telstra, Optus, AGL, Origin Energy and the like all have hardship policies for people who are genuine victims of circumstances beyond their control,” Mr Doessel said.

“The economic impacts of coronavirus are certainly some of the worst we’ve seen in recent years, even giving SARS a run for its money,” Mr Doessel said.

“Anyone who finds themselves financially affected by the virus should make a list of their bills and contact each credit provider (in writing if possible) to let them know the circumstances and to check no bills have gone unpaid,” he said.

“Most companies have the discretion to forgive a debt in extreme cases, as no company wants to be the catalyst that drives a customer to suicide over a bill.”

“One way to stay on top of your bills and anything you may have missed is to check your credit files each year which is free and won’t be recorded negatively on your file, you can do this at www.FreeCreditRating.com.au,” Mr Doessel said.

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09/09/2020

CASE STUDY – REMOVAL – Jason, from Queensland, had a Westpac/Baycorp default removed in 491 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Commenced work:

23/11/2016

Default Resolution:

29/03/2018

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[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][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=”” 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=””]

Credit Repair 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.

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 CIO complaint was still ongoing, MyCRA Lawyers drafted ASIC complaint and presented this to Baycorp. Issued 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!

Jason’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

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05/09/2020

CASE STUDY – REMOVAL – Amalia, from Queensland, had a Vodafone default removed in just 18 days!

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Commenced work:

10/06/2016

Default Resolution:

28/06/2016

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[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][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=”” 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=””]

Credit Repair 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. The client had then 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!

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

05/09/2020

CASE STUDY – REMOVAL – Liana, from New South Wales, had a NAB default removed in 71 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Commenced work:

30/11/2017

Default Resolution:

09/02/2018

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[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][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=”” 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=””]

Credit Repair 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!

Liana’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

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05/09/2020

CASE STUDY – REMOVAL – Sarina, from Queensland, had a Macquarie enquiry removed in 47 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Commenced work:

22/02/2018

Default Resolution:

10/04/2018

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[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][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=”” 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=””]Credit Repair Background:
Sarina had enquiry listings on her credit report. She claims she has never had any dealings with any of the creditors before. She suspects that the enquiries were fraudulent and were placed 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 time the applications were made fraudulently. MyCRA Lawyers negotiated the successful removal of her bad credit enquiry listing in 47 days. Sarina* is now a step closer to achieving a finance approval. Congratulations Sarina and good luck!

Sarina’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

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05/09/2020

CASE STUDY – REMOVAL – Nicholas, from Victoria, had a Latitude Finance default removed in 30 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Commenced work:

05/02/2018

Default Resolution:

07/03/2019

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”2_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left bottom” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”solid” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”0px” type=”1_2″][fusion_imageframe image_id=”18787|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″]http://mycralawyers.com.au/wp-content/uploads/2020/09/latitude-min.jpg[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][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=”” 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=””]

Credit Repair Background:
Nicholas had 3 default listings on his credit file. Nick admitted he had a GE credit card but he was completely unsure of the circumstances that led to the default.

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 sent an initial request letter to GE and upon further review, they have agreed to remove the default listing.

Summary:
Nicholas was referred to MyCRA Lawyers by his mortgage broker and he engaged MyCRA Lawyers to investigate the likelihood of removal of 3 default listings on his credit file. Nicholas only discovered the bad credit default listings when he applied for finance and got declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 30 days. Nicholas* is now a step closer to achieving a finance approval. Congratulations Nicholas and good luck!

Nicholas’* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” type=”1_1″][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

04/09/2020

CASE STUDY – REMOVAL – Janine (Ref:12135) from Queensland had her Westpac/Lion Finance default removed in 24 days

[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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers 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:	Janine*
State:	QLD
Sex:	Female
Age:	59
Married/Single:	Single
Listing Type:	Default
Original Creditor:	Westpac
Current Creditor:	Lion Finance
Paid / Unpaid:	Unpaid
Listing Amount:	$38,938
Commenced work:	30/08/2019
Default Resolution:	23/09/2019

[/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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][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=””][/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]

Credit Repair Background:
In a period of approx. four and a half years, Janine* had not had any wage growth at all as her employer had not wanted to re-negotiate a new Enterprise Agreement and all negotiations had stalled. That meant that she had not had any pay increases and was falling behind. As such, she was in a situation of financial hardship. Janine* felt very vulnerable and under pressure from Lion Finance to payout the debt in full when she had advised that she did not have that capacity to repay in full and hence the reason why she was trying to meet a payment arrangement in what she would consider to be “acting in good faith”.

What were any challenges with the creditor?
There were no issues with the creditor as they responded to our credit repair lawyers’ default removal requests in a timely manner.

Why was the listing removed?
MyCRA Lawyers sent a demand letter to Lion Finance and upon review have agreed to remove the default listing on a without prejudice basis.

Summary:
Janine* engaged MyCRA Lawyers to investigate the likelihood of removal of a Westpac / Lion Finance default listing on her credit file. The listing resulted from a time when Janine* was experiencing financial hardship. Janine* only discovered the bad credit default listing when she was later declined for finance. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 24 days. Janine* can now move forward financially. Congratulations Janine* and good luck!

Janine’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218 now

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

17/02/2020

Tag: bad credit

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

Call MyCRA Lawyers today if you’re struggling with bad credit and you’d like MyCRA Lawyers to help improve your credit rating.

Call us on 1300 667 218 now!

Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

Liar Loans have been written about before, but did you know Banks are now trolling your Facebook and other Social Media spying on you without your consent?

This release highlights how a harmless joke on Facebook cost a young lady her chance at home-ownership – and it could happen to you too…

What Happens If You Lie On Your Home Loan Application?

Studies reveal that 37% of home loan applicants lie on their homeloan application forms

It’s disgusting to think this could actually be true in 2020, worse still that’s it’s hidden in plain sight. This release lifts the lid on financial gender inequality and

Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female!

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218 now