MyCRA Specialist Credit Repair Lawyers

Tag: credit rating

  • Case Study $1,242,385.00 Unpaid Westpac Bad Credit Default REMOVED In Just 4 Days

    [fusion_builder_container background_color=”#fcfcfc” 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=”#6b6b6b” border_style=”solid” padding_top=”20px” padding_bottom=”20px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”1px” border_sizes_bottom=”1px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][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” 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=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_imageframe image_id=”7670|full” max_width=”” sticky_max_width=”” style_type=”none” blur=”” stylecolor=”” hover_type=”none” bordersize=”0px” bordercolor=”” borderradius=”0″ align_medium=”none” align_small=”none” align=”left” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” lightbox=”no” gallery_id=”” lightbox_image=”” lightbox_image_id=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”no” sticky_display=”normal,sticky” class=”” id=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ 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]

    Bad Credit Rating Removal Case Study

    [/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=””]

    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: Elisa
    State: VIC
    Sex: Female
    Age: 40
    Married/Single: Married
    Listing Type: Default
    Original Creditor: Westpac
    Current Creditor: Westpac
    Paid / Unpaid: Unpaid
    Listing Amount: $1,242,385.00
    Commenced work: 03/08/2015
    Default Resolution: 07/08/2015
    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” 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=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_text]Credit Repair Background:
    Elisa found out about the listing when she was unable to get a home loan. Her default listing occurred due to a partnership breakup and her house got sold at Mortgagee Auction around 2 years ago.

    What were any challenges with the creditor?
    None. The creditor responded promptly to our office to confirm removal based on our initial findings.

    Why was the listing removed?
    The creditor agreed to remove the default upon their review of MyCRA Lawyers’ formal request.

    Summary:
    Elisa was referred to our office by her broker as she was unable to get a home loan. Our team managed to remove this listing in just 4 business days. Elisa can now confidently apply for her home loan. Congratulations Elisa!

     

    [tipsy content=”Right click and select ‘Save Link As’ or similar to save the PDF to your computer. Alternatively, click on the link, then once open, right click and ‘Save As’  If this all fails, call 1300-667-218 and ask one of our friendly team to email you a copy.” group=”1″ use_oembed=”false” ]Click[/tipsy]  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][fusion_builder_container hundred_percent=”yes” overflow=”visible” type=”flex”][fusion_builder_row][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” 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=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][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 background_color=”#ffffff” 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=”#1e73be” border_style=”dashed” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”yes” equal_height_columns=”yes” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” flex_align_items=”stretch” border_sizes_top=”2px” border_sizes_bottom=”2px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_2″ layout=”1_2″ last=”false” 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=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=””][fusion_text]

    Do You Want To Discover The Secrets Behind The Amazing Success In Removing 9 Out-Of 10 Defaults By MyCRA Lawyers?

    Enter your details now
    Enter your details now

    If you answered YES, Enter your details to register for your free initial consultation (no obligation) where you’ll uncover exactly what it takes to remove your defaults …

    MyCRA Lawyers, Your Credit Repair Experts.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”1_2″ 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=”#1e73be” border_style=”dashed” padding_top=”10px” padding_right=”10px” padding_bottom=”10px” padding_left=”10px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”2px” border_sizes_bottom=”2px” border_sizes_left=”2px” border_sizes_right=”2px” first=”false” spacing_left=”2%” min_height=””][fusion_text]Fill in your details below to register for an obligation free, free initial consultation.

    [contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Mike Goldman

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Mike Goldman is very busy these days with his new movie “Killing Goldman” and just like you, Mike had an unfair default listed on his credit rating.

    Mike had a default listed by a phone company that was not only unfair, but upon investigation also unlawful.

    If you would like your bad credit rating repaired, call MyCRA Lawyers now on 1300 667 218

     

    Here’s what Mike had to say:[/fusion_text][fusion_youtube id=”d9l1gZdKH8o” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][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_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

    [contact-form-7 id=”6642″ title=”Online Enquiry”]

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • MyCRA Lawyers Easy Start Fixed Fee Credit Restoration Service

    Bad Credit Defaults Erased – Start Today From Just $497

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][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”]

    Good Credit Score
    MyCRA Lawyers Can Help You Get A Good Credit Score –  Call 1300 667 218 to get started now.

    Yes, by now you probably already know that most of the clients we take on have an up to 9 in 10 chance of having their default(s) removed.

    You probably also know that there are other so called credit repairers out there that make lots of claims with little to no substance to qualify their claims – just lots of reports in the press about ‘Shonks’ and rip-offs etc. charging like wounded bulls at your clients expense.

    MyCRA Lawyers is the ONLY Law Firm in Australia that is 100% focused and specialising in helping you and your clients navigate the minefield that is up to 8,000 pages of legislation that is relied upon to evidence the creditors errors in placing our clients unlawful default listings.

    [/fusion_builder_column][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”]

    MyCRA Lawyers - Experts In Credit Restoration
    MyCRA Lawyers – Experts In Credit Restoration – Call 1300-667-218 now if you deserve a second chance.

    Given you might know of MyCRA Lawyers level of expertise, the speed at which the defaults are removed (a million dollar default removed in just 4 business days, another default in just 18 minutes) and the historical success rate better than 91.7%, you’d probably be surprised to learn that we are probably the most cost effective and best value for money Law Firm that can permanently erase your bad credit listings from just $497 down today.

    If you’d like to learn more about how MyCRA Lawyers can help you and your clients, then do yourself a favour and pick up the phone and call 1300-667-218 during Queensland Business hours and speak to one of my Solicitors, Paralegals or support staff that are here to serve you now.

     

     

    [/fusion_builder_column][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”][contact-form-7 id=”6642″ title=”Online Enquiry”]

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

  • TESTIMONIAL: Dr Kamal Zgheib Thanks MyCRA Lawyers For Erasing His Bad Credit

    [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]Dr Kamal Zgheib had a default that was proven to be placed unlawfully and was then removed in less than a month.

    Click the video below now.[/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=”lXWWL1rj-FU” 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]Here’s the Transcription:

     

    Hello Kamal speaking

    good afternoon Kamal, Graham Doessel from Mycra Lawyers in Brisbane, how you going?

    I’m good, good thank you. How are you?

    Good, Do you have a couple seconds?

    Yes,  I do actually have a patient in my room, I’m just printing something for him, just one moment.

    Ok thanks

    Ok, so ah, yeah, is there anything that I can do for you at the moment?

    Absolutely, absolutely. Its um – are you talking to me or the patient?

    ahh you haha

    hahaha. Yeah, i just noticed the email that you sent through to lauren this morning

    Yes

    Thank you so very very much for your kind words that’s amazing

    Thank you i really appreciate it

    I was wondering if I used that in my marketing?

    of cause

    do you mind if i leave your name in there?

    Yes 100%, but if you want me to send you the same email to you sir i have no problem with that

    no that’s fine I’m happy to use the one I’ve got here that’s fine. Thank you so very very much and look if we can be of any help with anything at any stage in the future…?

    Thank you so much i will tell all my doctors friends, family and I will recommend them to you, because for me –

    it’s so easy to get bad credit isn’t it? (Yeah) It’s so easy to get bad credit and so hard to get rid of.

    that’s right it was for me impossible to get any loan, without your help, cause you know I had two default unjustified and um I dunno if Lauren knew about it, I contacted Veda and the default has been removed completely, probably she doesn’t know yet haha, but i wanted to let her know, and my Veda score is the highest in Australia, its 911.

    That’s fantastic

    So yeah

    So it’s just that default that was making it hard yeah?

    Yes, my Veda score was 452 (yep) 20% bottom, you know, bottom, I mean sub zero, and now it’s 911, (yep) it’s the highest in the country. It’s in the 81 – 100%, so it’s the – it’s an excellent score – Excellent.

    That’s amazing

    So you’ve got below average, you’ve got average; you’ve got good, very good, and excellent. For mine its excellent thanks to you.

    I’m very very glad to hear that very glad to hear that. (Thank you) So the only thing that I’ll block out of this thing is your personal email address

    Beautiful

    Fantastic

    I’m more than happy for you to do that, yeah. And if you would like me to do some testimonial on YouTube for example, I’ll get my partner, shes in IT and ah she knows, well a lot about computers, I’m more than happy to organise a YouTube testimonial regarding umm you know… regarding the ahhh…. you know our chat and explaining what your firm has done to me.

    G- well that’s – that’s absolutely wonderful yeah absolutely

    And Lauren Andrew ahhh Phillip Anthony, Cory – they are all amazing, you know? I can’t tell you how beautiful the service was, it’s amazing, its changed my life. Its changed my life and its saved me thousands of dollars because you know the bank wanted to give me 10% because of my credit file. My excellent – my credit history now, its back on track

    fantastic, congratulations Kumal that’s amazing

    thank you so much sir, thank you so much. Thank you.

    do you mind if i pull this phone call from our server and Ill just use your kind words in an audio testimonial as well is that ok?

    100%

    ahh thank you so much

    Thank you

    Thank you Kamal, I really really appreciate it.

    Thank you so much bye bye

    Bye bye[/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_imageframe lightbox=”no” lightbox_image=”” style_type=”none” hover_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=””] [/fusion_imageframe][fusion_text]

     

    If you want a clean credit rating, call MyCRA Lawyers now on 1300 667 218 for an obligation free chat[/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_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][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_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

    [contact-form-7 id=”6642″ title=”Online Enquiry”]

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Testimonial: Belinda tried and failed for 12 months before finding MyCRA Lawyers to help her fix her bad credit

    [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]Here’s the video testimonial we got today from Belinda Smith who had a very hard time.
    She was trying to get Veda Advantage, The Office Of The Information Commissioner and the Creditor themselves to remove the default but with zero success.

    She had given up.

    Click the video below to hear her story. (There are captions if you can’t hear it where you are now…)

    [/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=”1H6BzcOwcmw” 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]Here’s the transcript…

     

    Hi, my name is Belinda.

    I have recently had a default lifted from my name by MyCRA Lawyers.

    We went for a bank loan, and it got rejected because of the default. I rang the company that placed the default to see if this was true and in fact it was.

    I spent the next 12 months, making phone calls, emails, contacting Veda, contacted the Australian Information Commissioner in Sydney – nobody could help. I could note get my default lifted – we had given up hope.

    Our financial broker suggested that we gave MyCRA Lawyers a call. I cannot express my gratitude to the team at MyCRA Lawyers. They’re understanding.

    Graham Doessel, the CEO of MyCRA Lawyers, rang me many times, discussing my default, and when that phone call came from him personally, to say that my default had been lifted, I can’t express my emotions at that moment. There were tears, there was laughter, there was – it was just an overwhelming feeling. So I would like to say thank you, for all their hardwork.

    If you need a lawyer for any reason, or a default or any other reason you might need a lawyer, give MyCRA Lawyers a call. See if they can help.

    But I would just like to say a big thank you. Thank you for helping us, and thank you for letting us, now we can move on. So thank you.

     

     

    If Bad Credit is still making your life difficult and you want help removing it, Call MyCRA Lawyers now on 1300 667 218[/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]Click the play button below to hear the (slightly edited) version of the phone call between Graham Doessel and Belinda Smith as Graham tells Belinda that her default has been removed.

     

     

    Congratulations Belinda… 🙂

    [/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_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_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”none” hover_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=””] Belinda Smith 5 star Face Book review[/fusion_imageframe][/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_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”none” hover_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=””] [/fusion_imageframe][/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]

  • 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.

  • Housing Finance flat in April – is it time to put credit repair in your top pocket?

    credit repair top pocketFigures just in from the Australian Bureau of Statistics (ABS) show Australian Housing Finance has flattened out for April 2014, despite economists expecting a slight lift this month. Many are saying this is good news for the economy, but for brokers, it may also mean flatter sales results while house prices remain higher. You may need all the clients you can get. Or – clients with a better quality credit rating. In the past, some brokers have not bothered to investigate the validity of bad credit with their clients, and have instead preferred to either show them the door, or steer them to a second-tier or non-conforming lender. But what if those options are no longer viable or wanted by the client in this flat market? Credit repair assessment becomes a great option to keep in the top pocket for brokers who have bad credit clients in Australia. We look at how, if clients can fix their credit rating with credit repair, it can be a cost effective alternative to a second-tier loan, and a great way to ensure you don’t lose those clients whose bad credit just shouldn’t be there. 

    By Graham Doessel, Non-Legal Director of MyCRA Lawyers www.mycralawyers.com.au.

    ABS data shows April’s home loan figures remain flat at 52,109, despite an expected 0.2 per cent lift predicted by economists. Here’s the ABS’ key points below:

    APRIL KEY POINTS
    VALUE OF DWELLING COMMITMENTS

    April 2014 compared with March 2014:
    The trend estimate for the total value of dwelling finance commitments excluding alterations and additions rose 0.4%. Investment housing commitments rose 0.5% and owner occupied housing commitments rose 0.4%.
    In seasonally adjusted terms, the total value of dwelling finance commitments excluding alterations and additions rose 1.7%.
    NUMBER OF DWELLING COMMITMENTS

    April 2014 compared with March 2014:
    In trend terms, the number of commitments for owner occupied housing finance rose 0.1%.
    In trend terms, the number of commitments for the construction of dwellings rose 1.1% and the number of commitments for the purchase of established dwellings rose 0.1%, while the number of commitments for the purchase of new dwellings fell 1.3%.
    In original terms, the number of first home buyer commitments as a percentage of total owner occupied housing finance commitments fell to 12.3% in April 2014 from 12.6% in March 2014.

    JP Morgan economist Tom Kennedy, says the ABS figures confirm that the boom seen in the second half of 2013 is slowing down.

    ‘‘We’ve seen building approvals, house prices, auction clearance rates and now loan data all signalling that things are moderating a bit and suggesting that things have softened from very quick growth rates,’’ Mr Kennedy says as reported in the Sydney Morning Herald’s story ‘Home Loan Figures Below Expectations’.

    CommSec chief economist Craig James says in the same publication that the slowing market is “encouraging”, indicating the housing market is moving at a “more sustainable pace.”

    The stable market and bad credit clients

    This is an interesting phenomenon. When markets flatten out, it can at times mean that clients who present with bad credit may have less confidence to tackle the second-tier market. This is often due to being less inspired by the likelihood that the extra interest they will pay will necessarily be absorbed by a short and significant rise in equity.

    Our own research has shown that typical bad credit loans can incur tens of thousands more in additional home loan repayments over the first three years of their loan. In a flat market, many buyers would consider this expense too hefty to justify. They may simply choose not to buy rather than pay the extra in interest.

    Instead of losing your clients to a flat market, it may be worth considering the validity of the bad credit in the first place. Rather than waiting for the bad credit listing to ‘drop off’ the client’s credit file, which could take 5-7 years in Australia, brokers could recommend the client investigate credit rating repair.

    Many clients who currently have negative listings on their credit file may be living with bad credit history unnecessarily. Often times the clients don’t even know they have a bad credit rating before they apply for a loan. It’s only once the credit check is done that these problems arise – and sometimes unpaid bills for as little as $150 can kill the deal.

    Although not every client is eligible for credit repair due to the nature of their default – creditor errors are surprisingly common, and given the experience and knowledge of legislation of some credit rating repairers, the success rate for removal of inconsistencies is high – much higher than if the individual attempted to repair their credit rating themselves. The first step is to refer that client to a credit repairer who will assess their situation.

    How can credit repair save money for your client?

    Let’s calculate the figures on an average loan of $400,000 over 30 years, comparing non-conforming loan interest rate of 9.5% with a standard variable rate of 7%. The client would be paying a staggering $702.71 per month with non-conforming loan interest rates. They will be hit with $22,867.15 more in home loan repayments over the first three years of the loan.

    Credit rating repair allows brokers to get a better deal for their client. The fee they pay the credit repairer is miniscule compared with the thousands they will save on interest alone.

    But beware – the wrong kind of credit repair could be costly to your client. Credit repair in Australia is not regulated, and credit repair rip-offs are common. That is why a law firm could be your client’s safest choice for credit repair. A credit repair lawyer can review the case and based on legislation demonstrate why the Creditor should remove the negative listing on the bad credit client’s credit rating. Click here to find out more about credit repair, including choosing the right credit repairer.

    If you want to know more about credit repair and credit repair lawyers in Australia, or just want to talk discuss how we can fix your client’s bad credit rating then you can contact us on 1300 667 218 or if you want to refer a client, visit the link below.

    Refer a client or friend for credit repair.

    Image: pakorn/ www.FreeDigitalPhotos.net

  • What you should know about credit repair

    credit repair in AustraliaIs your credit rating letting you down, and want to know the best way to fix bad credit in Australia? Or want to know some tips and tricks to credit repair in Australia that many in the industry won’t tell you? I regularly write guest posts for popular broker publication ‘The Adviser.’  The post The Adviser published last week was called “What your clients should know about credit repair” and it explains the ins and outs of credit repair in Australia, and how clients experiencing bad credit can best safely and effectively navigate the credit repair industry. I have provided this post in its entirety, and recommend anyone considering credit repair to give it a read.

    By Graham Doessel, MyCRA Lawyers www.mycralawyers.com.au.

    As seen in The Adviser…

     

    What your clients should know about credit repair 

    06 June 2014 | Graham Doessel

    As a former broker, I know the hills you often need to climb to get deals over the line. One of those obstacles can be bad credit. When everything else stacks up – bad credit can be a deal breaker.

    So naturally at some stage as you struggle with clients who would qualify apart from their bad credit, you may find yourself considering credit repair and its benefits to your clients.

    So what is credit repair? For those that don’t know, credit repair is working on behalf of a client to assist in disputing an inconsistent credit listing or listings. Credit providers will only make corrections in accordance with the Privacy Act 1988 (Cth).

    The information on the client’s credit report must be inaccurate, out-of-date, incomplete, irrelevant, or misleading to be removed. A credit repairer’s job is to find and argue inaccuracies in credit reporting.

    I would love to say that every firm educates clients and brokers in this way. But in reality there are a whole ton of broken promises, misleading statements and at times out-and-out lies permeating the industry.

    This can make it harder for clients to find those firms which have genuine skill and experience in the industry and who will act with ethics and integrity. Some brokers have a direct referral system with a reputable credit dispute firm for that reason. But if you don’t, how do you make sure your clients aren’t going out there blindly and making costly mistakes?

    Here’s what your clients should know about credit repair:

    1. Cheaper does not mean better

    The cheaper the price, the less work that is probably being done on the credit file. We allocate about 28 working hours to each case because that is the average time frame involved if the job is done correctly.

    2. Nothing is guaranteed

    There are no guarantees with this type of work, but a firm should not take on someone they don’t believe they have a good chance of helping. This comes down to having trust in the firm you are recommending as well as the firm having a rigorous assessment stage. Clients should also be looking for published success rates and testimonials as evidence of a firm’s success.

    3. Get it right the first time

    Your clients may only have one chance to get it right. When clients have already used another company or have done some of the work themselves, it can place limitations on their case.

    4. The ombudsman should be the last resort

    Any credit repairer worth their salt should have access to more avenues of investigation and dispute than what an industry ombudsman can provide. They should be pursuing these before seeking an ombudsman’s assistance.

    5. Beware of imprints

    Be careful of firms which leave imprints on the credit file, as this could instantly undo all the work done in removing the credit listing.

    6. Lawyers can help

    A law firm will have the added protection of a state law society. A lawyer can act in court processes including the removal of judgment and writ services, which is something a non-lawyer can’t do. A lawyer can also identify and advise on legal issues; prepare binding agreements, conduct formal negotiations and then follow through with enforcement where necessary; make formal recommendations to credit providers making reference to the law, and make representations on their client’s behalf.

    While credit reporting mistakes continue to come up on client credit files, there will always be a place for skilled credit reporting advocates in the finance industry. As brokers, more education about credit reporting can give you the power to contribute to a solution for the credit repair industry, and assist in minimising the current problem.

     

    If you want to know more about credit repair and credit repair lawyers in Australia, or just want to talk to us about how we can fix your bad credit rating then you can contact us on 1300 667 218 or visit the link below.

     

    FIX MY BAD CREDIT 

    Image: iosphere/ www.FreeDigitalPhotos.net

  • Protect your child online, protect their credit rating.

    protect child onlineIf you know how to help your child stay smart online, you could just be protecting their future credit rating. One of the focuses of Stay Smart Online Week 2014 is protecting our children and helping them have safe and positive experiences online. There are significant risks to children in using the internet. Many parents may know that apart from the potential exposure to sexually explicit, violent, prohibited or even illegal content, our children may also experience cyber bullying or be at risk from contact by strangers.

    What many parents don’t know is that children are also a target for fraudsters. If they are not smart online, they may be at risk of damaging their credit rating, before they even have one. We reveal the dangers for children online when it comes to identity theft and their credit rating, as well as giving some general tips to help your child stay smart and stay safe online.

    By Graham Doessel, Non-Legal Director of MyCRA Lawyers www.mycralawyers.com.au . Stay Smart Online Week 2014.

    Stay Smart Online - Proud Partner LRProtecting the integrity of your child’s credit rating is a crucial part of protecting them online. A trick by fraudsters termed ‘data warehousing’ could mean we may see a new generation of identity theft victims. The fraud takes personal information (often freely available) and stores it until the child comes of age to take out credit or to apply for identity documents. The information is then used to take out loans, create false accounts or commit crimes.

    If the personal information is used to take out loans, the young person can end up with a series of defaults or other black marks and may be totally unaware until they apply for their first loan or credit card. For 5 years they could be locked out of credit, refused cards, loans, even mobile phones. It need not be major fraud to be a massive blow to the identity theft victim. Unpaid accounts for as little as $150 can have the same negative impact on someone’s ability to obtain credit as a missed mortgage payment. So any misuse of someone’s credit file can be extremely significant.

    Proving the case of identity theft when attempting to recover a clear credit rating is already difficult for the individual to undertake, as the onus is on the victim to prove to creditors they didn’t initiate the credit. Adding to that the fact that the perpetrator would be long gone with the actual act of identity theft happening years earlier – and those young people will have a very difficult task of recovery indeed.

    Late last year, the Courier Mail featured a story where Police were warning parents about criminals who are tracking the lives of children online, harvesting personal information to steal their identities once they become adults. The story, titled ‘Social media enables cyber criminals to build profiles for identity theft’ delved in to just how this type of fraud can occur.

    Queensland police fear a generation of youngsters could be burnt by their obsession for revealing all on the internet – left with bad credit ratings or associated with crimes they had no part in.

    Detective Inspector Phillip Stevens from the police service’s fraud and cyber crime group said criminals were harvesting the information for their own illegal purposes or to sell it to other fraudsters.

    He said social media sites were prime sources of information for online criminals. Names, ages, places of birth and addresses were all being stored and he warned parents to stop their children putting too many details online.

    “Everyone is a potential victim but we see children as vulnerable (because of the level of detail they post online),” Insp Stevens said.
    He said products such as low-document loans allowed criminals to apply for money over the internet.

    The lack of robust identity checking was enabling fraudsters to take out loans with stolen identities, he said.

    “By using a computer, criminals have no borders, can access more victims and recycled stolen identities.”

    He said by the time some children and adults become more savvy about their online personal details they may have already been a victim.

    “Identities are used for more than just fraudulent financial gains, they also used within the criminal environment as a means of providing a level of anonymity, in order to evade traditional policing methodologies.

    “If you have access to a supply of identities you can hide within the environment, commit crime under one name and hire a car with another. It makes it very difficult for police to actually know who they are looking for.”

    So how can we protect our children?

    It begins with taking an active role in your child’s computer use, and realising that their personal information is just as coveted as our own. Perhaps even more so – as the likelihood the child will have a clean credit history to begin with is even higher.

    It starts with talking to your kids about the internet, and to do that, you need to understand the spaces they are communicating in by being involved. Keep up with the latest sites and technologies to ensure you are always able to give relevant input to your child.

    Put an emphasis on protection, from settings to passwords on all devices and accounts, and encourage regular updating of passwords and codes. And ensure that they understand the importance of protecting their personal information no matter what age they are.

    Here are some other general tips which can help you ensure you are protecting your child online in all sectors, courtesy of Stay Smart Online:

    Top tips

    • Know what your children are doing online-make sure they know how to stay safe and encourage them to tell you if they come across anything suspicious or if anybody says or does something that makes them feel uncomfortable or threatened.

    • Get to know the technologies your children are using. This will help you understand the risks and to be able to talk to them about what they are doing online.

    • Discuss the risks with your children and agree on some rules for internet use. Post them clearly near your computer.

    • Tell your children if they are uncomfortable talking to you they can contact the Cybersmart Online Helpline (Kids Helpline) www.cybersmart.gov.au

    • Place the computer in a family area of the home – the family or living room, rather than a bedroom.

    • Install an internet content filter. This can be used to restrict what content is viewed and downloaded or the times when they can use the internet.

    • Make sure your children know not to share personal information or photos. This includes their full name, mailing address, telephone number, the name of their school, or any information that could allow someone to work out who they are and where they live.

    • Report inappropriate, harmful or criminal activities that occur online or via a mobile device to www.thinkuknow.org.au

    • Report offensive content to the Australian Communications and Media Authority (ACMA). You can do this by completing the relevant online form at www.acma.gov.au/hotline or by sending an email to online@acma.gov.au or phone 1800 880 176

    Don’t let your children get caught with credit rating defaults that should not be there. Don’t let fraudsters take over their good name. Educate yourself and your child on what a valuable commodity your personal information is, and how you and your child can protect what is your ticket to financial freedom in this modern world – your credit file – from fraud.

    So our message this week is: take heed online, and safeguard your personal information to prevent identity theft and credit file misuse.

    For more information on credit file misuse, or to get more help or information about the security of your credit file, visit our main site www.mycralawyers.com.au, or you can contact us on 1300 667 218.

    Image: Ambro/ www.FreeDigitalPhotos.net

  • Secure your smartphone and other mobile devices to prevent credit rating misuse

    securing mobile deviceWith smartphones, tablets and other mobile devices, your life is there at the touch of a button. But the features that make your phone ‘smart’ also make it susceptible to viruses and malicious software. These attributes also make your mobile device a valuable commodity if it is lost or stolen. Your personal information can be accessed via your phone, as well as potentially your passwords, banking details, emails and photos. If fraudsters got their hands on your device, either virtually or physically, what could they get from it? Is the information on your device enough for fraudsters to access your money, or steal your identity or credit rating? For this post in aid of Stay Smart Online Week 2014, and it’s theme ‘On The Go’, we look at the best ways to secure your mobile device. 

    By Graham Doessel, Non-Legal Director of MyCRA Lawyers www.mycralawyers.com.au. Stay Smart Online Week 2014.

    Stay Smart Online - Proud Partner LR

    The rise in the use of mobile digital devices points to a need for users to be more cautious about the security of those devices, and aware of the potential for identity theft should they fall into the wrong hands.

    Mobile phones, especially smart phones are mobile computers. They allow you to access the internet and email, download applications and games and store personal contacts, photos and information. You need to protect and secure your phone just as you would your home or mobile computer.

    If you are unlucky to have your mobile device stolen it can be the same as someone breaking into your home or stealing your PC. If the device is not secure, often there is enough information on there for a criminal to go about hacking into your bank accounts, or stealing your identity and taking credit out in your name.

    Likewise if you are ‘hacked’ or download malicious software, passwords and personal information can be taken. The recent iCloud attacks are an example of how you can potentially be at risk. It demonstrates the importance of changing passwords on all accounts regularly. (See the story in The Australian ‘Hacked iCloud account victims face ongoing identity fraud risk‘).

    Identity theft can hit twice, and if you’re hit, you can face an uphill battle with your credit rating if it’s gone that far. Many times you are unaware your good name has been used until you apply for credit somewhere and are flatly refused. You can have credit applications as a minimum and possibly defaults, mortgages and mobile phones attributed to you incorrectly.

    You may have repayment history against your name on your credit rating at a minimum, or once an account remains unpaid past 60 days, the debt may be listed by the creditor as a default. Defaults remain listed on the victim’s credit file for a 5 year period unless they can prove they are an identity theft victim.

    It is not widely known how difficult recovery from identity theft can be. Unfortunately there is no guarantee that defaults can be removed from your credit file. The onus is on you to prove your case of identity theft to creditors.

    So to prevent this terrible crime from happening to you, take heed of Stay Smart Online’s Top Tips for securing your mobile device:

    Top tips

    • Put a password on your phone and a PIN on your SIM card. Do not rely on the default factory settings. Using a password and PIN will stop thieves getting access to your phone or using the SIM in another phone to make calls. All phones have security settings so familiarise yourself with them and turn them on.

    • Setup your device to automatically lock. If your phone has not been used for a few minutes, it should automatically lock and require a password or PIN to reactivate.

    • Encrypt your data. Some phones allow you to encrypt your data, sometimes using third-party software. Encryption secures your data if your phone is lost or stolen.

    • Consider installing security software from a reputable provider. Anti-virus, anti-theft, anti-malware and firewall software is available for some mobile phone operating systems.

    • Stay with reputable websites and mobile applications (apps). Always keep an eye on your commonly used websites’ addresses and make sure you are not redirected or diverted to other websites. When using any financial mobile applications, such as mobile banking, make sure to only use applications supplied by your financial institution.

    • Be careful when allowing third party unsigned applications to access your personal information. This includes access to your location. Always read permission requests before installing new apps or app upgrades, looking for unusual requests or pleas for money.

    • Do not click on unsolicited or unexpected links. Even when they appear to be from friends.

    • Check your phone bill for unusual data charges or premium rate calls. Contact your service provider immediately if you discover any unusual calls or data usage on your bill.

    • Check for updates to your phone’s operating system regularly. Install them as soon as they are available.

    • Be smart with Wi-Fi and Bluetooth. When connecting to the internet using Wi-Fi, try to use an encrypted network that requires a password. Avoid online banking or financial transactions in busy public areas and over unsecured Wi-Fi networks. Ensure that passers-by can’t watch what you are typing (known as shoulder-surfing). Turn Bluetooth off when you aren’t using it.

    • Back up your data regularly. Set up your phone so that it backs up your data when you sync it, or back it up to a separate memory card.

    • If you decide to recycle your phone, make sure you delete all your personal information first. Most phones have an option to reset to factory settings. Remember to remove or wipe any inserted memory cards.

    • To assist you in case of your mobile theft or loss, ask your provider or manufacturer whether it has services such as mobile tracking and the ability to remotely wipe your information stored on the phone.

    So our message this week is: take heed online, and safeguard your personal information to prevent identity theft and credit file misuse.

    For more information on credit file misuse, or to get more help or information about the security of your credit file, visit our main site www.mycralawyers.com.au, or you can contact us on 1300 667 218.

    Image: adamr/ www.FreeDigitalPhotos.net