MyCRA Specialist Credit Repair Lawyers

Tag: credit repair advisor

  • MyCRA Lawyers iPhone Giveaway

    [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=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”1″ content_align=”center” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]

    Win An iPhone SE Valued At $679

    [/fusion_title][fusion_title size=”2″ content_align=”center” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]Refer a client using the link below and go in the draw to win a beautiful 16Gb Gold iPhone SE[/fusion_title][/fusion_builder_column][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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”flash” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_button link=”” color=”default” size=”” stretch=”” type=”” shape=”” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-hand-o-up” icon_position=”left” icon_divider=”no” modal=”refer_a_friend” animation_type=”bounce” animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Click HERE NOW To Refer A Friend[/fusion_button][/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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]How to get into the draw for a brand new 16Gb iPhone SE (Gold in colour).

    • Refer a potential credit repair client to MyCRA Lawyers using the form HERE
    • All we need is their first and last name, email address, and mobile number, but if you can include their state, it’ll mean we don’t wake them up early (if they’re in WA)
    • Competition closes COB 31/05/2016
    • Drawn 01/06/2016 at our offices in Brisbane
    • One entry for every lead (with minimum qualification details as above) (two entries for every lead if you’re an accredited referrer)

    For more information, please call 1300-667-218.  Here’s a link to the Apple website showing you how cool the iPhone SE is.
    http://bit.ly/ML-iphone_se[/fusion_text][fusion_modal name=”refer_a_friend” title=”WIN An iPhone SE” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]MyCRA Lawyers Gives Away An iphone-SE-Gold For Credit Repair

    When you add your details in the referrer section at the top and your friend or client’s details beneath that, both you and MyCRA lawyers team will be emailed a copy of your referral.

    Your details will then be automatically tagged to your client.  This’ll mean (as long as your client authorises us) we can keep you fully up-to-date and ensure your client is returned to you with a squeaky clean, shiny new credit file so you can write their loan.

    [contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][/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_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]

    apply.
    Authorised under NSW Permit No. LTPS/16/03317

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

  • Credit Repair With A 100% Money Back Guarantee

    [fusion_builder_container background_color=”#f8f8f8″ background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_aspect_ratio=”16:9″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][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=””]

    MyCRA Lawyers Offers 100% Money Back Guarantee On Virtually All Credit Repair Services – So For The First Time Ever Offered Anywhere In Australia, Your Credit Repair Application Is Risk Free!

    Keep Reading If You Have Bad Credit And You Are Worried About All The Negative Pres About All The Non-Lawfirm Unqualified, Untrained Shonks Ripping People Off Every Day While Claiming To Have The Skill To Repair Your Credit Rating…

    This Unique 100% Refund Guarantee offer is available on virtually every MyCRA Lawyers Credit Repair product and virtually every option currently offered by MyCRA Lawyers for credit repair services.  

    Call MyCRA Lawyers now (1300-667-218) to ensure you take advantage of this time-limited offer & you might get your default removal resolution before Christmas.

    Why would we do this?
    We’re putting OUR money where our mouth is.
    Because we have a () 91.6% successful removal resolution rate (and an even more recent 3 mth removal resolution rate of 94.11%), we are willing to, for a short time, offer a 100% Money Back Guarantee on Credit Repair if we can not achieve a successful removal resolution with your creditor for that listing or default.

    get the job done rightHow it works
    If You are a referring Broker:
    You as usual.

    If you are a client,
    You/Your Client accepts our offer to investigate the removal of the Bad Credit default/listing.
    You/Your Client places our professional fees in our legal trust account. (credit card or bank transfer)
    We get a successful removal resolution from the creditor.
    Your client comes back to you, and you lodge their mort.gage application.
    You/Your Client Achieves The Great Aussie Dream and moves into your/their own family home.


    If we do not get the successful removal resolution on the default or listing, your client gets a 100% refund of the professional fees paid for that default or listing.  It is that simple.


    What are the rules 

    There are a few basic rules which are fully detailed in our Client Agreement, but in simple terms,
    1.  Tell us the truth about your circumstances so we know how to fight for you. (we won’t judge you, your past is your past)
    2.  Be willing to provide further information as reasonably requested (without delay as time limits may apply).
    3.  Be willing and able to pay the default amount (if it is your debt), but only if requested to do so. (not always required but if it is, it’s often a reduced amount)
    4.  Naturally, you allow MyCRA Lawyers to fully investigate your consumer default.

    This is a good summary (that apply to each default independently) and you will be asked to read and agree with the client agreement just so there are no surprises…

    What is a successful removal resolution
    The creditor agrees (in writing) to remove the listing.

    Call MyCRA Lawyers Now on 1300 667 218 for the safest, fastest and most reliable credit repair offering in Australia.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ last=”no” 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_size=”0px” 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=””][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_text]

    Are you an accredited referrer yet?

    If not, you should click and register now.  Very soon, we will be beginning to offer new products ONLY to our accredited referrers.

    We will also be offering additional resources to our Premium Accredited Referrers, such as a listing in our referrer directory.

    If you have questions, Call Gerard McDonald, General Manager – Sales on 0438-744-278 for scenarios or general referrer information.[/fusion_text][fusion_imageframe lightbox=”yes” style_type=”bottomshadow” hover_type=”none” bordersize=”0px” borderradius=”0″ align=”center” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no”] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_imageframe lightbox=”yes” style_type=”bottomshadow” hover_type=”none” bordersize=”0px” borderradius=”0″ align=”center” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no”] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_imageframe lightbox=”yes” style_type=”bottomshadow” hover_type=”none” bordersize=”0px” borderradius=”0″ align=”center” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no”] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_imageframe lightbox=”yes” style_type=”bottomshadow” hover_type=”none” bordersize=”0px” borderradius=”0″ align=”center” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no”] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_text]

    Call MyCRA Lawyers on 1300-667-218 Now if you dare to imagine how relieved you might feel when you choose MyCRA Lawyers to fix your bad credit.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”yes” 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_size=”1px” border_color=”#a7d686″ border_style=”solid” padding_top=”5px” padding_right=”5px” padding_bottom=”5px” padding_left=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_text]

    Refer A Friend Or Client Now

    [/fusion_text][fusion_button color=”default” size=”large” type=”3d” shape=”pill” target=”_self” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″]90 Second Referral Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” show_footer=”yes”][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][fusion_separator style_type=”double solid” top_margin=”25″ bottom_margin=”35″ sep_color=”#81d742″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” alignment=”center” /][fusion_text]

    Do You Personally Need A Clean Credit Rating Yourself?

    If you answered YES, please fill in your details below and we’ll call you back for a free initial consultation where we can decide together your best options, and what your next step should be in cleaning your credit rating.

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

    [/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_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_section_separator divider_candy=”bottom” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_aspect_ratio=”16:9″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_text]

     “Thank you so much I will tell all my Doctor friends, family, and I will recommend them to you.”

    “… for me impossible to get any loan, without your help …”

    “… 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, it’s changed my life. It’s changed my life and it’s 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, it’s back on track…”  Dr Kamal Zgheib – Qld

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ /][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”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” hover_type=”none” link=”” border_position=”all” border_size=”0px” 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=””][fusion_testimonials design=”classic”][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”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” hover_type=”none” link=”” border_position=”all” border_size=”0px” 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=””][fusion_testimonials design=”classic”][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”yes” 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_size=”0px” 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=””][fusion_testimonials design=”classic”][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ /][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”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” hover_type=”none” link=”” border_position=”all” border_size=”0px” 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=””][fusion_testimonials design=”classic”][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

    I found it very refreshing get have an ‘off the record’frank discussions drawing on the experience of the team to be absolutely golden! I was able to carry on with business, rest assured myCRA Lawyers had everything under control.

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”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” hover_type=”none” link=”” border_position=”all” border_size=”0px” 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=””][fusion_testimonials design=”classic”][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_aspect_ratio=”16:9″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no”][fusion_builder_row][fusion_builder_column type=”2_3″ layout=”2_3″ last=”no” 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_size=”0px” 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=””][fusion_text]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”yes” 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_size=”0px” border_color=”” border_style=”solid” padding_top=”15″ padding_right=”15″ padding_bottom=”15″ padding_left=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” button_gradient_top_color=”#e2d49a” button_gradient_bottom_color=”#e2d49a” button_gradient_top_color_hover=”#dd9933″ button_gradient_bottom_color_hover=”#dd9933″ accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center”]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” /][/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_1″ layout=”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” hover_type=”none” link=”” border_position=”all” border_size=”0px” 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=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” 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” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_modal /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Latest Default Removal Resolution Credit Repair Success Rate For MyCRA Lawyers Is 94.11%

    [fusion_builder_container background_color=”#f8f8f8″ background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” 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]

    get the job done rightThe Unaudited successful removal resolution for all matters that were taken on and fully investigated during the period of 1/09/2015 – 30/11/2015 (last 3 months) is an outstanding 94.11%

    There’s nothing more to say… Except, Why Haven’t You Started Clearing Up Your Credit File Yet?

     

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” 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_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Are you an accredited referrer yet?

    If not, you should click and register now.  Very soon, we will be beginning to offer new products ONLY to our accredited referrers.

    We will also be offering additional resources to our Premium Accredited Referrers, such as a listing in our referrer directory.

    If you have questions, Call Gerard McDonald, General Manager – Sales on 0438-744-278 for scenarios or general referrer information.[/fusion_text][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Call MyCRA Lawyers on 1300-667-218 Now if you dare to imagine how relieved you might feel when you choose MyCRA Lawyers to fix your bad credit.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” 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_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]

    Refer A Friend Or Client Now

    [/fusion_text][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]90 Second Referral Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][fusion_separator style_type=”double solid” top_margin=”25″ bottom_margin=”35″ sep_color=”#81d742″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Do You Personally Need A Clean Credit Rating Yourself?

    If you answered YES, please fill in your details below and we’ll call you back for a free initial consultation where we can decide together your best options, and what your next step should be in cleaning your credit rating.

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

    [/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_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_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” 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=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” 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]

     “Thank you so much I will tell all my Doctor friends, family, and I will recommend them to you.”

    “… for me impossible to get any loan, without your help …”

    “… 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, it’s changed my life. It’s changed my life and it’s 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, it’s back on track…”  Dr Kamal Zgheib – Qld

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” 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_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/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”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

    I found it very refreshing get have an ‘off the record’frank discussions drawing on the experience of the team to be absolutely golden! I was able to carry on with business, rest assured myCRA Lawyers had everything under control.

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/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” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_3″ last=”no” 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_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” 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_size=”0px” border_color=”” border_style=”solid” padding=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”#e2d49a|” gradient_hover_colors=”#dd9933|” accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”” border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=””]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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_1″ last=”yes” 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_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]Past results are no indication of future success.[/fusion_text][/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”][fusion_modal name=”” title=”” size=”” background=”” border_color=”” show_footer=”” class=”” id=””][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Peter White Of The FBAA Fights To End Brokers ClawBacks Forever

    [fusion_builder_container background_color=”#f8f8f8″ background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” 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]

    Peter White Of The FBAA Fights To End Brokers ClawBacks Forever.

    Peter-White-CEO-FBAA
    Peter White
    CEO – FBAA

    I consider myself fortunate to not only know the FBAA’s CEO Peter White, but I also call him a friend.

    In the years I’ve known Peter, he has been unwaveringly focused on bettering the environment for brokers in Australia.

    I have just read about Peter in discussions with the Assistant Treasurer about unjust clawbacks.

    It’s been many years since I was a Mortgage Broker and I’m sure you’re probably aware of the great work Peter and the FBAA Executive have achieved to directly benefit the Finance Brokers of Australia.  This work is something Peter is passionate about and he describes himself as being like “A Dog With A Bone” that he will not let go of.

    “You can call me the proverbial dog with a bone on this issue but I will not let it rest,” he said.

    “I outlined the FBAA’s concerns to Minister O’Dwyer about the unfairness of ‘non-contract-breach’ clawbacks and discussed ways to resolve the inequity of broker clawbacks.”

    For the full story, please click [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_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_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]Keep an eye open for the next FBAA function to hear exactly how Peter White and the FBAA are fighting for your rights.[/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Are you an accredited referrer yet?

    If not, you should click and register now.  Very soon, we will be beginning to offer new products ONLY to our accredited referrers.

    We will also be offering additional resources to our Premium Accredited Referrers, such as a listing in our referrer directory.

    If you have questions, Call Gerard McDonald, General Manager – Sales on 0438-744-278 for scenarios or general referrer information.[/fusion_text][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Call MyCRA Lawyers on 1300-667-218 Now if you dare to imagine how relieved you might feel when you choose MyCRA Lawyers to fix your bad credit.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_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_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Refer A Friend Or Client Now

    [/fusion_text][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ alignment=”” class=”” id=””]90 Second Referral Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][fusion_separator style_type=”double solid” top_margin=”25″ bottom_margin=”35″ sep_color=”#81d742″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Do You Personally Need A Clean Credit Rating Yourself?

    If you answered YES, please fill in your details below and we’ll call you back for a free initial consultation where we can decide together your best options, and what your next step should be in cleaning your credit rating.

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

    [/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_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_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” 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=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” 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]

     “Thank you so much I will tell all my Doctor friends, family, and I will recommend them to you.”

    “… for me impossible to get any loan, without your help …”

    “… 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, it’s changed my life. It’s changed my life and it’s 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, it’s back on track…”  Dr Kamal Zgheib – Qld

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/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”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

    I found it very refreshing get have an ‘off the record’frank discussions drawing on the experience of the team to be absolutely golden! I was able to carry on with business, rest assured myCRA Lawyers had everything under control.

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_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_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]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_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_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”#e2d49a|” gradient_hover_colors=”#dd9933|” accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”” border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center” class=”” id=””]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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_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]Past results are no indication of future success.[/fusion_text][/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”][fusion_modal name=”” title=”” size=”” background=”” border_color=”” show_footer=”” class=”” id=””][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Yivan Says “A Huge Thank You For Removing My Bad Credit”

    [fusion_builder_container background_color=”#f8f8f8″ background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” 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]

    Yivan Says “Thank You For Removing My Bad Credit”

    “Hi Anthony,

    Just wanted to say a huge huge ”THANK YOU” 
    My credit report has been updated and my veda account all cleared, like it wasn’t even there.
    I appreciate so so much your help, your knowledge and experience in making this happen for me.
    It so wonderful to know there are still people out there like you who are willing to really help out people like me.

    Kindest Regards
    Yivan”

    Yivan says thanks to MyCRA Lawyers [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_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_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]

    Call MyCRA Lawyers on 1300-667-218 Now if you dare to imagine how relieved you might feel when you choose MyCRA Lawyers to fix your bad credit.

    [/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_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_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Refer A Friend Or Client Now

    [/fusion_text][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ alignment=”” class=”” id=””]90 Second Referral Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][fusion_separator style_type=”double solid” top_margin=”25″ bottom_margin=”35″ sep_color=”#81d742″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Do You Personally Need A Clean Credit Rating Yourself?

    If you answered YES, please fill in your details below and we’ll call you back for a free initial consultation where we can decide together your best options, and what your next step should be in cleaning your credit rating.

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

    [/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_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_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” 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=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” 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]

     “Thank you so much I will tell all my Doctor friends, family, and I will recommend them to you.”

    “… for me impossible to get any loan, without your help …”

    “… 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, it’s changed my life. It’s changed my life and it’s 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, it’s back on track…”  Dr Kamal Zgheib – Qld

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_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_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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/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”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

    I found it very refreshing get have an ‘off the record’frank discussions drawing on the experience of the team to be absolutely golden! I was able to carry on with business, rest assured myCRA Lawyers had everything under control.

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/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_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”fixed” 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=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_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_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]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_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_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”#e2d49a|” gradient_hover_colors=”#dd9933|” accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”” border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center” class=”” id=””]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][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=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” 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_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]Past results are no indication of future success.[/fusion_text][/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”][fusion_modal name=”” title=”” size=”” background=”” border_color=”” show_footer=”” class=”” id=””][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Money: The Top 4 Relationship Busters

    relationship financeWhat are the ways your relationship may be at risk due to money matters? Last week we featured how your credit rating can be at risk when you enter joint debt. This week, we look at how your relationship in general can be impacted by finances. To follow we feature a great article from SavingsGuide.com.au, titled ‘Relationship Finance: The Top 4 Romance Busters’. Here it is in it’s entirety:

    Relationship Finance: The Top 4 Romance Busters.

    Money is the major reason for divorce, as well as the major source of friction in many relationships. Researchers are increasingly seeing that ‘financial cheating’- as in, lying or hiding financial issues from a partner- is as damaging as the traditional kind. Likewise, finding a financial simpatico with another person is one of the major pillars of a good relationship. So what are the top 4 relationship busters when it comes to money, and how can we avoid them in our own relationship? Inspired by an article from Investopedia.

     Weigh Me Down

    It’s unlikely, in the modern world, that two people can come together without one or both bringing with them some kind of debt. From youthful indiscretions with a credit card, student debt, a mortgage, a car loan- debt is a major factor in most of our financial arrangements. Sadly, when it’s not dealt with openly, it can also be a major sticking point i our relationships. The Fix: The only course is to be straight up. This debt is going to be a drain on your finances for a while yet, and will mean you can contribute less to the joint finances. That’s the reality of the scenario, and honesty is the only way to approach it. Your partner will deal with it, or they won’t.

    Joint Or Separate

     Relationship finance is often regarded as a tell-tale sign for the overall wellbeing of the couple. Serious judgement calls are attached to how couples deal with their finances. Either they split everything, and “they’re not committed”, or they’re completely financially entangled, and “heading for disaster”. Trying to organise your finances according to what the rest of the world says will only strain the relationship. The Fix: Your relationship is unique, as your financial organisation should be. The key is to communicate with your partner about what they feel is appropriate, and be open to change it as the relationship evolves.

     Know The Type

     When you get together, nothing is more important than whether he likes Neil Young or not. We tend to spend so much time on the inconsequential, often the really big issues get left to the side. However, you’ll be able to get a pretty good feel for how a person deals with money. Spender? Saver? Frugal to the point of no fun? These are big issues, and pretending otherwise is just putting your head in the sand. The Fix: Be open with how you see money, and where you would like your finances to be in 5 and 10 years. Talk about how their parents dealt with money, research shows it’s a big indicator.

     Little Tykes

     Every self-help book in the world has told us what issues to avoid talking about when we start a relationship. Heaven forbid you scare him off, talking of kids or money. Well, the final major relationship buster is a combination of the two- the finances of having kids. The Fix: Generally, you ascertain whether you want to have kids first, but with the costs of raising a kid now hitting the $1 million mark, you also have to discuss how to structure your finances to adapt, especially with one partner out of the workforce for a while.

    As we discover in this post, and also last week in the post ‘How to Avoid Sexually Transmitted Debt’ the most important aspect to the meeting of financial minds is to keep an open dialogue about money. Talking freely and honestly, preferably keeping the emotion out of your discussions will save your relationship. It would also help you to avoid surprise bad credit from your partner.

    If you have Sexually Transmitted Debt  – that is defaults, writs or Judgments that you didn’t initiate, and you believe are impacting your credit file unnecessarily, talk to one of our Credit Repair Advisors about where you might stand with getting your bad credit repaired. Ph 1300 667 218.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repair and www.fixmybadcredit.com.au.

    Image: David Castillo Dominici/ www.FreeDigitalPhotos.net

  • What Does Your Credit File Say About You?

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    Our credit file is like a mirror on our finances. How healthy are you looking? Here’s a back to basics look at the ins and outs of taking on credit in Australia, and why it’s important to look your best when applying for credit by having a clean credit history.

    By Graham Doessel, Founder and CEO of MyCRA Lawyers and www.fixmybadcredit.com.au.

    When you apply for credit, the lender will, after assessing your savings history, your income and your debts – order a credit check on you. This involves contacting one or more of Australia’s credit reporting agencies, to order a credit report from your credit file.

    What the lender sees on your credit file can reflect your assets, your good history, but it can also reveal your financial shortcomings. It can be a reflection of your inability to stick with something, your disregard for repayments, or the financial potholes that are sometimes impossible to climb out of. Let’s look at what a lender might see about you on your credit file, and how you can make sure it looks squeaky clean.

    Your Credit File

    Is a collation of your credit history. As soon as you become credit active, you have a file opened in your name. This file is then attached to you as long as you apply, use and unfortunately abuse credit – it will follow you everywhere in Australia.

    If you have applied to borrow money, or have established an account for services you are considered credit active.

    Every creditor inputs information about you to one or more of the credit reporting agencies in Australasia. Australia’s CRA’S include: Equifax (Formerly Veda Advantage), Dun & Bradstreet, Experian & Tasmanian Collection Services (TASCOL) if in Tasmania.

    What a credit file contains

    – Your credit file includes identity information – such as your full name, date of birth, gender, driver’s licence details, addresses and employer information.

    It also includes other information about your credit and repayment of credit history:

    -Any current active credit and details of current credit providers, for instance mortgages, personal loans and credit cards.
    – Any overdue credit accounts – these may be reported as either a ‘payment default’ or a ‘clearout’.

    How long will I have bad credit?

    Credit Reporting Body Equifax reports these time periods for holding information on your credit file:

    How long is the information held on my credit file?
    • Credit applications and enquiries and overdue accounts are held on your file for five years
    • Overdue accounts listed as a payment default are held for five years
    • Overdue accounts listed as a Clearout are held for seven years
    • Bankruptcy Act Information is held on your file for seven years (prior to January 1998, Bankruptcy Act Information was held for five years)
    • Court Judgments are held for five years
    • Writs & Summons are held for four years
    • Identity information, which includes name, date of birth, sex, drivers license, address history, and linked names (if any) are held for the life of the credit file. This information is used to distinguish the credit file from others held in the database
    • Purge dates are calculated on the date the information was added to the file, and are based on the time limits provided in the Privacy Act 1988
    • Files are scanned each month and out of date information is automatically purged to ensure the files are accurate.

    NB: Even when an overdue account or clearout has been brought up to date or paid in full, it will not be removed from your file.

    All payment default listings remain on file for five years from the date of listing. All clearout listings remain on file for seven years. The fact that an account has become overdue, and then been paid becomes part of your credit history.

    Your credit report

    As the credit file holder, you are legally able to obtain a copy of your credit report for free from all of the credit reporting agencies in Australia every 12 months – and a written copy of your credit file will be provided within 10 days from your written request.

    Every credit active person should obtain a copy of their credit report annually  – regardless of whether or not they think they have a bad credit rating. It is important that when checking your credit file, you obtain reports from all possible credit reporting agencies.

    Definition of a ‘bad’ credit rating

    If you don’t already know you have bad credit, you would be notified at the time of credit application, when the credit provider obtains a copy of your credit file.

    In broad terms, any credit defaults, court actions or writs, external administrations and bankruptcy are all recorded on your credit file and would be considered ‘bad’ credit history by most credit providers.

    In this current economic climate even too many credit applications are often considered to be ‘black marks’ on your credit file.

    Impact of a bad credit rating

    If you discover you have a negative listing on your credit file, you will find it very difficult to obtain mainstream credit in the future, generally for the term of the listing (5 -7 years).

    You will likely be refused a home loan with most lenders and possibly be refused credit of many kinds from credit cards to phone plans right through the term of the listing.

    Too many credit enquiries on your credit file may also stop you from getting major credit with most lenders.

    Most times the loan options available to bad credit clients are at significantly higher interest rates in order to cover the risks associated with taking on someone with bad credit.

    Can you change what is said about you on your credit report?

    It depends if the information on your credit report is accurate or not. If your address or other personal details are inaccurate, you may want to contact the credit reporting agencies to have this rectified. But you should also consider why. Do you think it’s possible that there are inconsistencies on your report? If you also have defaults or other credit listings which you feel shouldn’t be there, you should pursue the matter through making a claim with the Creditor to dispute and remove any listings which should not be there.

    Any credit listings which you feel are unfair, incorrect or just shouldn’t be there should be addressed well before you need to apply for credit. The impact of bad credit is pretty severe – and can haunt you for a long time. Spend the time to make sure everything is correct on your credit report.

    You may only get one chance at clearing your credit file – so it’s important to give yourself the best chance of having any inconsistencies removed from your report by using a professional credit repairer.

    Sometimes individuals can attempt to deal with creditors to remove the credit rating default themselves and can do more harm than good by not understanding the legislation.

    Credit repair is a lengthy process, involving the review of all documentation from an individual – including the credit file and all the circumstances surrounding the default, writ or Judgment.

    Then the credit repairer negotiates with the creditor who initiated the listing on your behalf to remove the default.
    This can also often involve lengthy requests and submissions of documentation until an agreement is reached by the creditor and the repairer to remove the offending black mark.

    Not every credit file is suitable for credit repair. The credit repair company can review your situation and determine whether your case is worthy of pursuing.

    For advice about whether your adverse listing may be suitable for credit repair, contact a Credit Repair Advisor on 1300 667 218 or visit our website for more information www.mycralawyers.com.au.

    Once your credit file is restored and your bad credit is removed, you will be looking great to the lender, and ultimately feeling great when you have access to the best credit you can, at the best rates.

    Image: Stuart Miles/ www.FreeDigitalPhotos.net

    Image 2: imagerymajestic/ www.FreeDigitalPhotos.net

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  • Can you run a business with bad credit?

    Running a small business can be extremely trying. Cash flow can be a problem for many people with a small business, and this in turn can lead to accounts in arrears. If you are unlucky enough to incur a default on your commercial credit file during your business ownership, you could find things extremely difficult. It would be difficult to borrow more money to expand your business, or buy vehicles, or even set up a mobile phone plan. This blacklisting of your credit file can even mean you are forced to sell the business or go bankrupt, or lean heavily on your personal credit file when you need to borrow money. We cover the ways you can get bad credit, and why you should avoid bad credit history attaching itself to your business and your personal life at all costs.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au.

    An article published recently by Dynamic Business shows there has been a jump in the number of businesses entering external administration:

    “According to ASIC figures, the number of businesses entering external administration in the 2011-12 year was up 9.4 percent over the 2010-11 financial year.

    CreditorWatch managing director Colin Porter said data collected by his own business suggests a 22.5 percent rise in defaults in 2012, with construction/building, retail, hospitality and printing sectors the hardest hit.

    Porter said what’s more worrying is that the value of defaults is also growing, with the average dollar amount of each default registered rising 18.5 percent. This was even more marked in the final three months of the last financial year, with Q4 2011/2012 up 22 percent on Q4 2010/2011.

    “June represented the highest number of defaults registered, plus the highest dollar value of the defaults on record,” he added” an excerpt from the article Diligence key to avoiding bad debt.

    These are worrying statistics for business owners, particularly when you see the consequences of bad credit.

    Why accounts should be paid by the due date

    Bad credit can be extremely easy to cop on your commercial credit file. And you may not have the same protections as you do for your personal debts.

    Commercial credit reporting is not subject to Part IIIA of the Privacy Act, which governs notification requirements for consumer credit reporting specifically in the Credit Reporting Code of Conduct.

    In the Credit Reporting Code of Conduct, an account must be at least 60 days in arrears, and an amount of at least $100 must be outstanding for the Creditor to be able to place the default on the consumer’s credit file.

    Whilst commercial credit has provisions in the National Privacy Principles for correction of mistakes, there is no provision for adherence to the Code of Conduct.

    So technically, if you are one day late in paying an account, a Creditor may legally be able to place a default on your commercial credit file. Despite the law, many of the Ombudsman Services do encourage Creditors to give adequate written notice to remedy an account in arrears prior to listing a default. But sometimes this issue can be a contentious one when trying to dispute what you consider to be an unfair credit listing.

    Ideas to keep the cash flowing so you don’t get in arrears

    1. Pay all accounts on time. This is the easiest way to ensure there are no discrepancies or defaults on your credit file.  You need to have systems in place whereby credit cards and all bills are paid on schedule if not by you then by administration. If the business is running behind, creditors need to be contacted and payment plans possibly worked out before the due dates to best avoid a default listing on your credit file. Many industries are tending towards offering those in financial hardship alternative payment arrangements rather than placing a default on the credit file. If you do need to request financial hardship for a case of temporary hardship, you should contact the Creditor in writing. This does not guarantee you will be successful in your request, but the Creditor has a number of days to respond prior to placing a default on your credit file for any accounts in arrears.

    2. Ensure all accounts are paid to you on time. Chase up bounced cheques and failures to pay immediately.  Too many accounts left unpaid can leave you short on cash and run your business into the ground if left to continue. Regard any client non-payment as potential risks to your credit rating.  Develop a tactful system for retrieval ahead of time – reminding clients of the risks to their credit rating by defaulting on payments to you. If overdue accounts go beyond 60 days, notify the account holder in writing you will be referring the non-payment to a credit reporting agency.

    3. Consider credit checks for all potential account holders. Anyone who requests an account of significant proportions could be required to submit a credit application before the account is instigated. This involves you running a credit check on them with one of the major credit reporting agencies. At the very least, as Porter also recommends, obtain the entity’s correct name and ABN/ACN, and verify that the ABN/ACN is active and is still legally operating.

    4. Regularly obtain a copy of your credit file – once a year is recommended to ensure it is all as it should be. If there are any discrepancies or listings which you believe should not be there, address them prior to needing the extra credit for your business. This will mean less stress for you. Clearing unnecessary defaults allows you to get on with your life, and the important business of running your company

    5. Keep credit card limits within a set budget as specified by the needs of the company. Don’t be tempted to set a lofty limit to your credit card as it may just encourage needless spending and blow out your business budget.

    6. Be aware of excessive credit enquiries. If you are not sure about your credit health, run your own check before applying for new credit.  Some lenders are rejecting loans for as little as two credit enquiries in 30 days, or six enquiries within the year – so it pays not to shop around for credit and to only apply for credit you have an intention of pursuing.

    7. Most importantly, monitor your accounts regularly.  If you are the owner of the business but not the person responsible for accounts, ensure you still have hands on knowledge of the business’ expenses.  Check accounts are being paid, check receipts and credit card statements regularly.

    In the current economic climate with businesses potentially more likely to pay accounts late, there has never been a more important time to protect your credit rating by being firm with your own and your client’s payments.

    Your consumer credit file

    SMB’s it can find be tempting to take out credit using your consumer credit rating. Redrawing on the mortgage, and taking out personal loans is evidently quite common amongst small businesses who report finding it difficult to get credit to fund their business in the current market.

    Smart Company reported back in June on new research by software firm MYOB showing 28% of small businesses use their home loan to finance their business in some way.

    The survey of over 1,000 SMEs, shows how tightly linked mortgage rates and business finance really are.

    Just under 15% of SMEs utilise a line of credit through their home loan to help fund their business, 5% have funded their business by increasing the value of their home loan and 5% funded their business by redrawing against equity in their mortgage.

    A further 4% have used cash sitting in their mortgage offset account to pump into their business.

    The danger with involving personal credit in your small business borrowing is the chance of business debt and bad credit history spilling over to the personal credit rating.

    Business is touchy and subjected to many unknowns, but the family home and your consumer credit file should be kept protected. If some major clients go under, and payments are not made – who’s going to help fund your now over-extended mortgage? You will go into a credit lock down of both consumer and commercial credit files. Your access to mainstream credit is virtually nil for the next 5 years. Not only can your credit rating be compromised, but your spouses’ as well. Any new credit will be at sky-high interest rates. You might lose the business, and any opportunities to borrow again for business in the future, but worse, you might lose your family’s ability to borrow at good rates for a mortgage, personal loan, credit cards and even mobile phones.

    So to protect your good name – choose your credit wisely, choose your clients wisely, and make paying your debts a priority – regardless of the size of your business.

    If your good name has been compromised by bad credit history, and you believe it should not be there, you may be suitable for credit rating repair. Contact a Credit Repair Advisor on 1300 667 218 or visit our website www.mycra.com.au for more information.

    Image: tungphoto/ www.FreeDigitalPhotos.net

     

  • Bill shock, power disconnected…just the tip of the iceberg for energy complaints

    Power bills are reported to be so high that more people are getting their electricity disconnected because they just can’t afford to pay their bills. This in turn is leading to credit file defaults. We look at why this might be occurring and look at the other energy customer complaints such as lack of notification of arrears which has led to more energy credit defaults, and more customer complaints about this industry. We believe the energy industry is overdue for some attention by regulators to stop the rising power prices and possibly a public inquiry into energy issues similar to what we had with the telecommunications industry.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au.

    I read a shocking story in Adelaide Now today, titled Thousands going without power as electricity bill defaults skyrocket.  It tells how the number of people in South Australia who have had their power disconnected is at a decade high– a 38% spike in disconnections. Here is an excerpt from that story:

    MORE than 10,000 households had their power disconnected after failing to pay their bills – the highest cut-off rate in almost a decade.

    Figures released by the industry regulator yesterday showed that 10,100 homes lost power in the 12 months to July, compared to 7300 the previous financial year.

    Soaring power prices are being blamed for this 38 per cent spike in disconnections, with welfare groups reporting those on fixed incomes suffering the most – including one man who had to resort to cooking his meals over a wood fire in his back-yard for six months after being disconnected.

    Welfare agency Anglicare said it had reports of disconnected households commonly using candles for lighting, heating rooms with  barbecues – and keeping perishables such as milk and butter in Eskies.

    Retailers are being asked by the Essential Services Commission of SA to be more flexible when dealing with “consumers experiencing genuine financial hardship”, because it is essential they have “continued access to energy”.

    The number of reconnections is only about a third of the number of disconnections recorded in 2011/12, the figures show.

    Further to this issue of 10,000 customers having their power disconnected because they just can’t pay their bills, is the other issue of questionable tactics by power companies when it comes to issuing defaults for unpaid or late accounts.

    One of biggest issue with our energy credit repair clients is that many had not receive the any notice that they were in arrears prior to the energy company adding the default to their credit file. So in effect, the clients believe they have had no time to remedy the outstanding account prior to being issued with the default. This happens time and again with energy clients – despite many saying they had provided a forwarding address for any outstanding accounts to their energy provider if they have moved.

    The energy company, when questioned claims to not have the forwarding address. At other times, they say they have provided notification to the client – but the client has not received it.

    Who is right? It becomes a big he-said she-said! If individuals attempt to fight their case on their own – what chance do they have? Without the right skills for negotiating or access to and knowledge of legislation many wind up having to live with the default on their credit file even if they believe they shouldn’t be there. This means they are blacklisted from credit for 5 years.

    Many experts are calling for a public inquiry into the energy industry. This we believe is long overdue.

    In the meantime, energy customers will continue to face soaring prices in many States of Australia, and confusion over crippling defaults that may or may not be valid.

    If you have an energy default, writ or Judgment that you need help in disputing, contact a Credit Repair Advisor at MyCRA for help and to assess your suitability 1300 667 218 or visit our main site for more information www.mycra.com.au.

    Image: vorakorn/ www.FreeDigitalPhotos.net

  • Are you spending more than you earn? You’re not alone….

    It was reported yesterday that one in seven households in Australia is on ‘struggle street’ – spending more than it earns. It seems many Australians are living on credit, including some of our richest. We look at the concept of living on credit, and how existing this way can not only put pressure on the household, but when it all catches up and you are lumbered with bad credit history – threaten the family’s ability to get the best credit at the best rates for years to come. We look at how you get there, why you want to avoid it, and what to do about it.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au.

    News.com.au featured some interesting statistics put out by the ABS yesterday in its article ‘Aussie strugglers living beyond means’:

    “One in seven Australian households is spending more than it earns, as the working poor struggle with monster mortgages and surging power bills.

    Nearly 8 per cent of the nation’s richest households were living on credit, the Australian Bureau of Statistics reported yesterday.

    Of the top 20 per cent of households earning the most money, 3 per cent could not afford to pay a gas, electricity or phone bill on time during 2009-10.

    Of the poorest 20 per cent of households, one in five could not pay their bills on time and one in four spent more than they earned.”

    Living this way is living dangerously. Often you are said to be robbing Peter to pay Paul. But if something goes wrong, you can run a real risk of getting into arrears. If your accounts fall 60 days behind, then your Creditor will place a default on your credit file – and this will impact you and your family for years and years to come. You will be banned from mainstream credit. The credit you do buy after that will be at a pretty high price. You may not even be able to get a mobile phone on a plan.

    How did we get here?

    Sure petrol prices are ridiculous, and grocery bills seemed to rise no end, and then there are reports out there that people have had to use bbq’s and eskies because they can’t pay their power bill – but the average person can afford these essentials. It’s the luxuries we have issues with – and what we consider to be luxuries and essentials today may have something to do with it.

    A while back, I blogged about the concept of “Affluenza” an idea put out there by Australians Clive Hamilton and Richard Denniss’ in their book, Affluenza: When Too Much is Never Enough.

    Affluenza is a disease of the 21st Century that can make us sick, and it can make our credit file sick with it –pulling us into a crazy cycle of spending and debt. Many of us are struggling to stay happy under a pile of ‘things’ and a pile of debt.

    It is the disease of consumerism and it is being fuelled by big corporations urging us to buy more, persuading us with clever advertising aimed at selling to our emotions. It drives us to work crazy hours leaving no time for ourselves and our families. It drives up the mental health problems, the suicide rates, the divorce rates, the drug addictions, fraud, the stress related health problems – all these things seem to be a curse of living in the 21st Century in the Western world.

    Here is an excerpt from that book:

    “Our houses are bigger than ever, but our families are smaller. Our kids go to the best schools we can afford, but we hardly see them. We’ve got more money to spend, yet we’re further in debt than ever before. What is going on?

    The Western world is in the grip of a consumption binge that is unique in human history. We aspire to the lifestyles of the rich and famous at the cost of family, friends and personal fulfilment. Rates of stress, depression and obesity are up as we wrestle with the emptiness and endless disappointments of the consumer life.

    When I read yesterday that one in seven of us are still living on borrowed money, it makes me realise that not enough Australians understand the power of credit. It is a great concept, but as long as we make it work for us. We should use it to enhance our lives so that we can spend time with the ones we love, or to really improve our quality of life. Not make ourselves slaves to it.

    Maybe we throw that long sought after holiday on the credit card and take the family away? Or take out repayments on an educational course that will change our working lives forever? Or perhaps we do buy a home, but after years of good saving. One that fits all the requirements of what we need, rather than what we want. A home we don’t have to work 24/7 to pay off because it is priced within our means.

    What we shouldn’t do is spend money we don’t have, on things we don’t need, and ultimately find ourselves with what we don’t want – debt, unhappiness and a bad credit history.

    What does your credit file say about you?

    We should think of our credit file as a mirror on our finances. It can reflect our assets, our good history, but it can also reveal our financial shortcomings. It can be a reflection of our inability to stick with something, our disregard for repayments and it shows the financial potholes we fall into that are sometimes impossible to climb out of.

    A bad credit rating can completely change our financial situation. The black marks placed there by creditors show up on our credit file for 5 years. Bad credit can limit our choices and can perpetuate the debt cycle by leading us to choose loans with higher interest rates and more fees, so the struggle to make repayments can be even harder.

    If we want to try and start again with credit, it may be possible to wipe the slate clean, particularly if our bad credit rating should not be there.  Firstly, we can obtain a free copy of our credit report from one or more of the credit reporting agencies, Veda Advantage, Dun & Bradstreet and Tasmanian Collection Services (TASCOL). If after checking our credit file we find inconsistencies, we may be a good candidate for credit repair.

    A credit repairer can work with creditors on our behalf to completely clear our credit file of all defaults, clear-outs, writs and Judgments which contain errors, are unjust or just should not be there. This means we no longer have a bad credit rating, but a completely clear credit file, giving us the financial freedom to use credit whenever we need to.

    The rest is up to us.

    Contact a credit repair advisor on 1300 667 218 for more information on repairing bad credit, or visit our main site www.mycra.com.au.

    Image: hin255/ www.FreeDigitalPhotos.net

     

     

  • Inside Secrets for the Best Mortgage

    Can we trust everything we believe to be true about applying for finance? We look at some great information to help you get the best deal on your home loan – and look at why a bad credit is something you should know about before you apply for a mortgage, to avoid being refused credit.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au.

    Yesterday I read a great article in the Herald Sun titled “Time To Topple Mortgage Myths”. The article uses the information from top finance professionals to debunk five common mortgage myths. We look at the advice of those finance experts, and give you further advice as it relates to your credit rating and risk assesment. Here is the Herald Sun’s article:

    Myth 1: Lowest interest rate loans are best

    Unfortunately many borrowers will judge one home loan against another simply on the interest rate, which can be a big mistake.

    If they make their decision on this “headline” rate, it could cost them tens of thousands of dollars extra, Resi Mortgage chief executive Lisa Montgomery says.

    “Most borrowers don’t look at the comparison rate but they must,” Montgomery says.

    “Check the comparison rate. It’s a great rule of thumb that helps you understand at a glance the true cost of a loan.
    “It includes all the upfront and ongoing fees that need to be paid during the course of the loan.”

    Fees and charges can add several basis points to the cost of the loan. Read the mortgage contract for all the details.

    Whilst it is true the lowest interest rate may not always be the best, a high interest loan isn’t either. I am referring to a non-conforming loan used by people with negative listings on their credit report (or “bad credit”). In terms of saving money, this is seldom a better option. If there is any inkling that the bad credit shouldn’t be there, you will always save money if you can have your credit rating repaired by a professional credit repairer rather than continuing with a non-conforming loan – even if for only three years. For example, on a $300,000 loan – it would cost you $23,000 more in interest over the first three years at 9% interest, versus a more “mainstream” rate of say 7%. If you have bad credit, you should find out if you are suitable for credit repair before entering a high interest loan.

    Myth 2: Bad credit ratings prevent borrowing

    Your credit rating can both help or hinder the type of mortgage you are offered. If you have a poor record, it does not automatically mean you won’t get a loan.

    But it can mean a lender will consider you a greater risk and want to charge a higher interest rate.

    Not all unpaid bills and default histories will stop you getting the best deal.

    Mortgage broker 1300HomeLoan managing director John Kolenda says defaults on utility bills or phone bills can be explained and overlooked.

    “But it is very important to make sure you tell your lender about your history,” Kolenda says.

    “Don’t let them find out when they do your credit worthiness search.”

    It is not always the case that people are refused a home loan if they have bad credit, but it is never ideal. As mentioned above, depending on how high the interest rate will be – it may make more sense to look at those bills or other defaulted accounts that can be “explained” or which were unfair or mistaken and have them negotiated to be removed so as to get the best deal you can.

    If you do want to discuss your options with your lender while knowing you have bad credit, yes it is very very important to be honest with them about your credit file. But where many people come unstuck and are refused credit is when they don’t know about it before they apply. This surprise bad credit can occur for a number of reasons, maybe the Creditor had the wrong billing address, or the default was a mistake, or you weren’t notified. Either way, it looks bad for you and means you fail that credit worthiness test. Surprise bad credit is often worth investigating to ensure the listing was put there lawfully by your Creditor.

    Myth 3: Offset accounts are the best way to cut your interest

    Financial research company Canstar analyst Mitchell Watson says there are much better ways to cut your interest costs than using an offset account.

    “A lot of people will have their wages or salary paid into a mortgage offset account each month but for the average wage earner this isn’t going to be worth much at all,” he says.

    “An offset account for someone on about $65,000 is only going to save about $20 a month interest. Over the life of the loan, however, it does add up to about $14,000.

    “However, if you make fortnightly payments instead, so you divided the monthly amount by two and pay it every fortnight, you will save about $55,000 over the life of the loan and cut your loan term by four years.

    “Better still, do both – use an offset (account) and fortnightly payments.”

    Myth 4: If you pay off your credit card, you’ll be able to borrow more

    Wrong. Even if you owe nothing on your credit card, the limit will still be counted towards your total potential outstanding debt, according to 1300HomeLoan.

    “Your credit card limit affects your maximum borrowing capacity with some lenders. For that reason, you should reduce your limit or cancel the cards you are not using before applying for a home loan,” Kolenda says.

    Even with new information provided for in our new credit laws which are in the process of going through Parliament, your credit limit, rather than the amount owing will be used to assess your debt level.

    Myth 5: Pre-approved loans are pretty much guaranteed money

    This is not true, the experts say.

    Pre-approval is an offer to lend money based on a percentage of the property’s value.

    The price you pay is not necessarily its value, Montgomery says.

    “Always sign a contract of sale ‘subject to finance’ even if you have a pre-approval,” Kolenda adds.

    “Your valuation needs to stack up and you will still need final approval.”

    Are you sure the lender has done a credit check before providing the pre-approval?

    The best course of action is – prior to applying for a home loan, request a copy of your credit report from Australia’s credit reporting agencies yourself. It is free once every year and will be mailed to you within 10 days. This way, you will know whether your credit file will let you down at the mortgage application stage and you won’t accumulate a ‘credit enquiry’ or any black mark against your name by letting the lender do the credit check and find out too late that you have problems that could have been fixed.

    If you would like help to fix bad credit before applying for a home loan, contact a Credit Repair Advisor on 1300 667 218 or visit our main website for more information www.mycra.com.au.

    Image: Stuart Miles/ www.FreeDigitalPhotos.net

  • Attorney-General’s survey shows identity theft is on mind of most Australians

    A national identity theft survey reveals that most of us are worried about identity theft, and the number of us who have been or know someone who has been a victim of identity theft has increased. We look at what the survey reveals, whether these fears are founded, and what we can do to alleviate them.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au

    The Attorney-General Nicola Roxon has published results of a nationwide survey into identity theft. The research released today was commissioned by the Attorney-General’s Department and repeats a similar id theft survey conducted in July 2011. The key findings include:

    • 89 per cent of respondents are concerned about identity theft and 61 per cent think identity theft will increase in the next year

    • 24 per cent of respondents had been, or knew someone who had been, a victim of identity crime in the last six months – an increase of seven per cent since 2011

    • When identify crime occurred, 58 per cent involved the internet, through either a virus or an online scam, 35 per cent involved the loss of a credit or debit card, 18 per cent involved mail theft and 9 per cent involved the theft or loss of physical identity documents such as a passport and drivers licence.

    The results of this research will inform the review of the National Identity Security Strategy currently being undertaken by the Department in conjunction with the States and Territories.

    Ms Roxon assured Australians there were solutions and preventative measures to combat the ongoing problem of identity crime, which is one of the top three enablers of serious and organised crime in Australia, and can have serious financial implications for business, governments and individuals.

    “While identity theft is understandably concerning, Australians can take some simple steps to protect their identity,” Ms Roxon said in a statement to the media.

    “Making sure you don’t respond to suspicious e-mail or store personal details on your mobile phone are two easy steps to prevent identity theft.”

    She also made mention of the Document Verification Service – currently a government agency service which allows key identity documents such as passports, driver licenses and birth certificates to be cross-checked between departments. The government will roll out the DVS to the private sector next year.

    “From next year, the financial and telecommunications sectors will be able to access the DVS to check Commonwealth identity documents, such as passports and visas – further helping the private sector to protect their customers’ identity,” she said.

    Should Australians be afraid of identity theft?

    From our point of view, the more you are educated about identity crime and how to prevent it – the less fear it sparks in your mind.

    Let’s look at a broader survey – the Australian Bureau of Statistics Personal Fruad Survey. This surveyed a total of 1.2 million Australians over 2010-11 and was released in April this year.

    Whilst it was reported that Australians lost in total $1.4 billion due to personal fraud, the ABS puts the national vicitmisation rate for actual identity theft at 0.3% (a decrease from 0.8% in 2007).

    Perhaps there has been an increase in identity theft since the ABS survey was published, but what may likely have occured, is that people are talking about identity theft more. It could be that more people “know someone” who has been a victim of identity crime or personal fraud. Could we assume that more people are talking about their experiences, and hopefully reporting instances of fraud and identity crime?

    Without people reporting instances of identity theft, it is difficult to get ahead of fraudsters.

    It is a very real fact that full-blown identity theft – where someone steals your personal information and assumes your identity – can have very disastrous consequences. Identity fraud can involve crooks taking loans out in your name. This not only means you could be lumbered with random debt, but often you are unable to get any loan of your own for 5-7 years because your credit file is blacklisted when these debts fall into default.

    The message we want to send is that your personal information needs to be guarded well. If you safeguard your personal information as much as possible, you put yourself at less risk of identity theft.

    Educate yourself on the ways that fraudsters could misuse your personal information or your credit rating. Put as many preventative measures in place as you can (such as anti-virus software, paper shredder, safeguarding information, regular credit file checks) to ensure that you have the least possible chance of becoming a victim.

    And most importantly, stay up to date with scams that are out there. Identity crime and scams are changeable – what worked for fraudsters one week quickly becomes public knowledge, so they move on to something new. Getting on to something like StaySmartOnline’s Alert Service, or checking SCAMWatch regularly will go a long way to helping you to stay ahead of identity crime.

    And talk, talk, talk about what you know about identity theft, to help educate the community around you. Talk especially to young people who might not fully understand the consequences of giving away their personal information (and there are consequences even for under 18’s) and also talk to older people – who may be more vulnerable to these predators and could need help with education and updates to computer software.

    If you or someone you know have been a victim of identity crime which has impacted your credit rating, all may not be lost. We may be able to help you recover your good name. Contact a Credit Repair Advisor on 1300 667 218 to discuss your suitability for removing bad credit, or visit our main website for more information www.mycra.com.au.

    Image: Salvatore Vuono/ www.FreeDigitalPhotos.net

    Image 2: phanlop88/ www.FreeDigitalPhotos.net

  • Lost your job? Three things you need to know to prevent bad credit haunting you long after you get a new one

    unemployedJob hunting and credit files seem unrelated – but they are connected for three reasons. We tell you how when you have lost a job, or when you are in the process of finding a new one, there are some things that impact your credit file that you need to know about. If heeded – they can help you avoid bad credit.

    By Graham Doessel, Founder and Chief Executive Officer of MyCRA Lawyers

    Yesterday, an article from SavingsGuide.com.au What To Do When You Lose Your Job caught my eye. It went through the things you need to do to make sure you remain in the black with your finances after you have lost your job. This article is the inspiration for the first piece of advice:

    1. If You Have Lost Your Job – Sit Down and Work Out What You Owe and What is Owed To You

    Even if you think the situation is very temporary – you don’t have a crystal ball. Put measures in place straight away to protect yourself and your family from debt and bad credit.

    Savings guide recommends taking advantage of any insurance policies of income or mortgage protection that you have in place immediately. It could take a little while to process the claim. If you don’t have insurance, don’t be too proud to apply for assistance with the Department of Human Services. The sooner you do this the better, as it could take up to a few weeks to process the claim.

    You will also need to work out how much disposable income you have now, and tally up all of your bills that you consider will appear in the future.

    ASIC’s MoneySmart Website has some great advice and specific links for further information on what to do if you find yourself unemployed. Here is an excerpt from their web page titled Losing Your Job:

    Knowing where you stand financially

    You will feel able to make clearer decisions once you know how much money you really have. Find out what you have in savings, then list every expense you’ll have to meet for the next 2 months. Use our budget planner and include necessities like mortgage payments, loans, health care, medicines, car and home maintenance, and insurance premiums.

    What you want to do is avoid getting in arrears with your accounts at all costs. It only takes 60 days in arrears on any account to get into ‘default’ with creditors, and this notation on your credit file will mean you will probably be blacklisted from credit for 5 years – even if you find another job and get everything back on track a month or two later.

    Once you have worked out how long your current funds are going to last, you will be in a good position to do the next task…

    2. If You Have Lost Your Job – You Need to Put Your Hand Up and Tell Your Creditors

    Don’t wait until you are in arrears (or in debt up to your eyeballs!) to let your Creditors know. As SavingsGuide recommends, negotiating with Creditors early is the smart thing to do:

    “Whether it’s your mortgage or a monthly gym membership fee, you’re going to need to address these payments before they get out of hand,” writer Toria Phillips advises.

    Financial hardship variations are encouraged in many industries, with new regulations having just been brought in for both the finance and telco industries.

    Money Help, a website run by the Victorian State Government offers more help on how to apply for hardship with creditors in the correct way. They advise people to work out what they can afford to pay prior to requesting a hardship variation – so if you have done this you will have a better chance of coming to a more affordable arrangement with your Creditor.

    The Creditor may be able to offer reduced payments and in some cases could stall any movements to default your credit file if you happen to get in arrears.

    Creditors are legally required to consider a person’s request for variation on payment arrangements, but are not obliged to agree to any hardship variation proposal put forward. But there is a trend towards offering help before defaults – so it is crucial to ask.

    Having your current debts at a more manageable level will allow you to concentrate on the actual process of finding a job. But beware (as if you didn’t have enough to worry about) whilst you are looking for a job you also need to look out for fraudsters…

    3. Job Seekers Scam Warning – Be Wary of Giving Away Your Personal Details To Scammers

    Last week the Australian Taxation Office issued a warning to job seekers that they were the target of scams. It reports they have received more than 10,000 reports on a wide range of scams including fake job advertisements, emails and bogus phone calls.

    Tax Commissioner Michael D’Ascenzo explains the job seeker scam – that bogus job ads are being posted on recruitment websites by scammers, and that people are even being asked to provide their tax file numbers.

    “Personal information can be used by scammers to lodge false tax returns in your name, enable the use of your credit cards or even result in people taking out a loan in your name. In some cases, identity crime can take years to resolve,” Mr D’Ascenzo says in a statement to the media.

    Becoming a victim of identity theft is the last thing a person who has lost their job needs. This crime could mean what little money you may have left in your bank accounts is drained by fraudsters; or a much-need tax return is pilfered; or it could even mean you have debts in your name you did not initiate and your ability to obtain credit is compromised for years to come.

    Don’t ever give a potential employer your Tax File Number, banking details or any other crucial personal details until you begin work with them! If you’re not sure – you can always contact the Australian Competition and Consumer Commission (ACCC) to dispel any suspicions before you give away your personal information. You can call them on 1300 795 995 or visit the ACCC’s SCAMWatch website www.scamwatch.gov.au.

    Let’s hope your unemployment is only very temporary and you are able to keep your credit file free from bad credit during the process!

    If you are currently experiencing bad credit due to a temporary financial hardship such as a job loss, it may be worth assessing whether your credit history can be reviewed by a professional credit repairer. Any listings which are deemed unlawfully placed for whatever reason could be required to be removed by your Creditor. Contact a Credit Repair Advisor on 1300 667 218 or visit our main website www.mycralawyers.com.au for more information.

    This week running 2-8 September, is MoneySmart Week – Australia’s first ever national, not-for-profit, financial literacy awareness week. For more details visit the Australian Government Financial Literacy Board initiative www.moneysmartweek.org.au.

    Image: winnond/ FreeDigitalPhotos.net

  • Carbon price scam warning for Australians. Advice to protect your good credit history

    The ACCC’s SCAMwatch has released a warning for Australian consumers and businesses about carbon price scams. Fraudsters are out there trying to pilfer personal information and banking and credit card details from unsuspecting recipients under the guise of pretending to be helping them recover carbon credits and compensation. We explain what this scam is in detail, and how your credit file could be compromised.

    By Graham Doessel, Founder and CEO of MyCRA Credit Rating Repairs and www.fixmybadcredit.com.au.

    Carbon price scammers are out in force again. The scam may come in a number of forms, targeting consumers and businesses across the country.

    Here are some examples for you to look out for provided by SCAMwatch:

    • People are telephoned and asked to provide their bank account details to a caller claiming to be from the Department of Families, Housing, Community Services and Indigenous Affairs (FaHCSIA). They are offering a grant for mortgage assistance under the Federal Government’s Household Assistance Package of up to $100,000. These offers are false.
    • People have had phone calls seeking their personal banking details to pay carbon ‘tax’ compensation into their bank account – these are likely to be a scam.
    • Scammers may also know people’s names, addresses and phone numbers and may try to make an appointment to visit them in their home.
    • Scammers may set up fake websites which look very similar to official Australian Government websites. The sites may ask people to enter personal or financial details, or offer to sell people fake carbon credits.

    Here is how SCAMwatch recommends consumers and businesses protect themselves from these scams:

    Protect yourself

    The Australian Government will never call you to ask for your bank account details or to receive the Household Assistance Package. Government services are never paid via money transfer services, nor will they ever ask you to send money this way. The Australian Government website www.australia.gov.au is a safe portal for finding government services.

    If you receive a phone call or letter asking for personal information such as your Tax File Number, Veteran’s Affairs client number or banking details, do not answer straight away. Contact the Australian Taxation Office on 13 28 61 or your nearest DVA office on 133 254 (or 1800 555 254 if in regional Australia) to confirm that the source is legitimate.

    Never provide or confirm your personal or business details over the phone (including banking details or identification numbers) unless you made the call using contact details you found yourself and you trust the information.

    If you think that a call might be a scam hang up and check by using official contact details which you have found independently such as through a phone book or online search. Never use phone numbers, email addresses or websites provided by the caller.

    Never enter your credit card or banking details on a website unless you have checked it is authentic and secure. Legitimate websites which ask you to enter sensitive personal or business details are commonly encrypted to protect your details. A secure site is usually identifiable by the use of “https:” rather than “http:” at the start of the internet address, or by a closed or unbroken key or padlock icon at the bottom right corner of your browser window.

    If you are a business, make sure you only deal with people you know and trust. Avoid having a large number of staff authorised to make orders or pay invoices. This will reduce the risk of your business paying for something that it is not required or is not legitimate.

    If you think you have provided your account details to a scammer contact your bank or financial institution immediately.

    Further to this, if people think they may have provided personal information to scammers then they may be vulnerable to identity theft.

    Apart from contacting their bank, here are three more things which are imperative for people to do if they think they might be vulnerable to identity theft:

    1. Contact Police. They can take some information about what happened and file a report – which you may need later if you do find your accounts and or your credit history compromised.

    2. Request a copy of your credit file. Check that everything is up to date, addresses are correct for you, and that there are no suspicious entries – like strange credit enquiries, or loans you have no knowledge of.

    3. Contact the Credit Reporting Agencies. Contact Veda Advantage, Dun & Bradstreet and Tasmanian Collection Services (if in Tassie). Let them know that you may be vulnerable to identity theft. They should be able to alert you to any new entries if they arose that could point to someone attempting misuse your good credit history.

    You may also wish to contact the ACCC to report the scam.

    If you are having trouble recovering your ability to obtain credit following identity theft, we might be able to help. Contact a Credit Repair Advisor on 1300 667 218 to discuss your circumstances.

    Image: Stuart Miles/ www.FreeDigitalPhotos.net

    Image 2: David Castillo Dominici/ www.FreeDigitalPhotos.net

  • 5 Loan Solutions For Bad Credit

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    MyCRA Expert Credit Repair Lawyers Can Fix Your Bad Credit So You Can Be Approved!
    MyCRA Expert Credit Repair Lawyers Can Fix Your Bad Credit So You Can Be Approved!

    If you have a default, Clear-Out, Judgment, or Writ noted on your credit file – then you have one of the 4 common types of ‘bad credit’ which show up on Australian credit reports every day. It may be something you have been aware of since your Creditor put it there, or it could be something that slaps you in the face right when you are applying for a loan for a house, car or credit card. But if the question you really want answered is…’How can I get a loan with bad credit?’ we show you 5 ways you might still qualify for a loan while you have a black mark on your credit report.

    By Graham Doessel, Founder and CEO of MyCRA Expert Credit Repair Lawyers and www.fixmybadcredit.com.au.

    1. Apply with a lender who does not use credit scoring

    Recently Your Mortgage magazine published the Six ways to get a loan with bad credit, written by Smartline Mortgage Adviser, Kim Wight. Here is her first piece of advice on applying for credit:

    Most lenders use a computer-based system called credit scoring to assess your home loan application, says Ms Wight.

    “This means that the data collected in your application is given a rating or score and if the computer scores you as a bad risk, the application is declined before a real person has a chance to look at the application or hear your story as to why you have had credit problems in the past. In other words, ‘computer says no’,” she explains.

    “By applying with a lender who does not use credit scoring, your application – and the reason for your past credit problems – will be assessed by a real person, who can evaluate your personal situation past and present and use this information to make their decision on your application; it can be a case of, ‘human says yes’.”

    2. Apply with a non-conforming lender

    A non-conforming lender specialises in loan products for higher risk clients. These lenders are an alternative for those people who do not meet the lending criteria of traditional institutions for a variety of reasons, which includes bad credit clients, limited documentation, and low or no deposit clients. With the higher risk also comes a higher interest rate – usually 1% to 3% more than the standard interest rate.

    On the downside, this may add thousands of dollars over the life of the loan. Also non-conforming home loans lenders will require stricter repayment conditions and may penalise late or irregular payments. On the other hand if the payments are consistent and on time for a period of 1 or 2 years some may reward borrowers with interest rate cuts.

    If non-conforming home loans borrowers make regular repayments over 3 years they may be able to refinance their home loan with a standard variable interest rate home loan.

    But this type of loan should really be a last resort for borrowers – and we show you why.

    Norm is looking at a $300,000 loan. The interest rate with the non-conforming lender is 9%. There is a difference of 2% from the standard variable rate of 7% on the loan he was applying for before he found out he had bad credit.

    Norm and his family will pay $15,046.57 more in interest alone with the non-conforming loan just over those first three years prior to refinancing. Use our credit repair savings calculator to find out what it could cost you.

    But how do you apply with a mainstream lender if you have bad credit?

    3. Save more deposit and avoid mortgage insurance

    If you save over 20% deposit, plus your stamp duty and legal costs, you may be exempt from mortgage insurance. The mortgage insurance covers the lender in case you don’t repay the loan. If you can provide the bank with an ample deposit, their approval may be all that is necessary to secure the loan. If your financials stack up, and you have a great deposit, the bank may decide to approve you despite that black mark on your credit file.

    4. Prove to the bank that you can repay the debt

    Your Mortgage also says it is necessary to show a good repayment history if you wish to be considered for a loan while you have bad credit. And this makes sense. If you can’t demonstrate you have moved past those previous problems, by paying your accounts on time – the bank will probably wish to decline your application – whether that be with a mainstream lender or an alternative lender.

    “If you have had problems in the past, you need to show that you are now back on track by ensuring all current financial commitments are being paid on time,” Wight says.

    “This includes not only your loans and credit cards but your rent and utilities as well. Evidence of regular savings will also strengthen your application.”

    The other very essential thing to remember is that honesty is always the best policy when applying for credit. The worst thing you can do when you attempt to look into a loan with bad credit is pretend you don’t have it and hope that mainstream lenders don’t notice. Ah…they will – and this indiscretion will severely hurt your chances of obtaining credit.

    5. Determine whether the bad credit should really be on your credit file

    Sometimes bad credit history is legitimate. It is put there because we haven’t paid our bills on time, and the creditor, having done all the right things, has been left with no choice but to note it on our credit file.

    But in other cases our credit listing shouldn’t be there – because it was issued to our credit file unlawfully. Here are a few quick examples of how bad credit history may be unlawful:

    The listing is unfair (you don’t deserve to have the default in the first place); the creditor has defaulted the wrong credit file (eg system mistake or identity theft); the creditor has not given correct notification prior to the default – just to name a few.

    In these cases and many more, it is in your best interests to check whether you might be able to have the bad credit listing removed from your credit file, so that you can apply with a mainstream lender. If in doubt – get it checked out.

    You should repair your bad credit through a professional for a number of reasons…

    1. Most creditors will tell you they can’t remove the listing.

    2. You need to provide legislative evidence in order to prove the listing was placed unlawfully.

    3. Negotiating with creditors in the wrong way could lead to a fight on your hands and/or documents and client notes ‘disappearing’.

    The best way to see if you may be suitable for credit repair is by contacting a specialist credit repair company or a lawyer.

    You can contact a MyCRA Expert Credit Repair Lawyers Credit Repair Advisor on 1300 667 218 or visit our main site for more information www.mycralawyers.com.au.

    Image: Stuart Miles/ www.FreeDigitalPhotos.net

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