[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”]Lauren is dedicated to removing your bad credit | MyCRA Lawyers | 1300-667-218
We’ve been on an amazing journey here over the last few years. Personally, I’ve experienced a lot of change over the last 2 and a half years, the biggest of course, being the migration from a company to a law firm.
Change is something that we’re not scared of around here, as they’re all changes for the better.
One of the biggest changes I have seen is within myself, and the various roles I have held here over the last few years. I initially started work with MyCRA Pty Ltd in customer service, trying to help client’s understand their file and know what the next step was going to be. The issue here was that I was new and I didn’t know a lot about credit repair, or how it worked, and this was compounded by the fact that I didn’t directly work on the client’s file. Trying to build trust with the client in these circumstances was a tough challenge.
I overcame this challenge and succeeded in building trust with those clients, establishing myself as the key link between those working on the file, and our client. However impressive this success was, there was still this burning ambition to do more, to know more, and to achieve more.
I’m grateful that in the migration from MyCRA to our law firm, MyCRA Lawyers, I was given that opportunity to become more involved in understanding the legislation and actively work on removing defaults from our client files.
I won’t lie, it was a scary thought at first. There’s an immense amount of pressure involved in this kind of work as our client’s lives are at stake, and I know I successfully tackled this head on.
Now, my core existence is working day in, day out, making sure our client’s rights are protected with creditors, who often, seem to hold little regard for the law, or their customers.
I learnt this role from the ground up, from learning the legislation, to building solid relationships with creditors, ensuring our client’s have a voice. Having a solid knowledge of the legislation and working under the supervision of the solicitors at MyCRA Lawyers, I strive to honour the trust our client’s place in me, to be the person who is doing all that can be done, to help them in both the bad times, if the outcome isn’t what the client was hoping for, and the good times, when the listing is going to be removed as happens in most cases.
It’s been another great week here at MyCRA Lawyers, with multiple listings having already been confirmed as removed, and others scheduled to be removed shortly. My greatest pleasure is working hard on a file, and having that hard work rewarded at the end, with the default being removed. There aren’t a lot of jobs around where you get the satisfaction of knowing that you’ve positively changed someone’s life. On the other side, I find those few clients that are unsuccessful, appreciate that I at least helped them to accept their bad credit situation and move forward.
If you want the chance to have your life changed for the better, or know that you’ve left no stone unturned in the in the default removal process, then you need a touch of the #MycraDifference and have someone like me fight for you.[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
That’s The Problem With So-Called ‘Credit Repair Companies’
Coercion, intimidation, lying, and worse still, almost no comprehension!
[/fusion_text][fusion_text]Firstly, you should understand the background that got me so annoyed, I felt the need to write this article.
Dodgy and Shonky ‘credit repair companies’ are hurting consumers
Yesterday, I was asked by one of our paralegals, to listen to a telephone call between her and a very cranky creditor (we’ll simply call them ‘Creditor’ to respect their privacy). Our team member had never previously experienced this level of unprofessionalism from a creditor. We’ve seen some bad ones, but nothing like this.
This creditor clearly had issues with previous ‘credit repair companies’, and Creditor was not holding back in letting us know exactly what they thought.
It seems that, having never dealt with MyCRA Lawyers before, Creditor assumed we were like all the other ‘dodgy shonks’ out there. Creditor stated, ‘… we know how you work …’ and ‘… this is a shakedown …’ and went on to insist (condensed version) we would simply waste Creditors time in an effort to wear them down so they’d give up and remove the default.
Creditor was adamant that all of the defaults they place on consumer’s credit files are ‘100% correct and in accordance with the law’, and that it’s a waste of their time (it’s a legislated requirement that creditors provide personal information when so requested, this creditor even states on their website that they’d be happy to do so upon request), to have to supply the specific documents we requested (we check to ensure these documents exist and are correct as part of our investigation as it is a legal requirement that the creditor can evidence it has complied with the relevant provisions and legislation) as they knew it was done correctly.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”#d4e5c9″ background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”2px” border_color=”#606060″ border_style=”solid” padding=”10px” margin_top=”5px” margin_bottom=”5px” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]Last Week’s Post…
[/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_text]I can’t go into the specifics of the other outlandish claims Creditor made, though suffice to say that there was much worse than I can publish in this article and it was all a reaction to the poor treatment they’d previously received at the hands of unprofessional ‘credit repair companies’.
I have personally now communicated with Creditor, and explained the many differences dealing with MyCRA Lawyers, a Law Firm regulated by the Legal Professions Act 2007 (QLD), that maintains the highest possible accounting standards with a Legal Trust Account that is externally audited every year and reported back to the Queensland Law Society.
Simply as a result of that conversation, Creditor understood that every action taken by MyCRA Lawyers is 100% transparent and accountable. This resulted in a much calmer creditor that was further willing to learn how providing the documents would result in a speedy decision. If Creditor had complied, the default would stay, however if the creditor had erred, the default would require immediate removal.
I explained that our historical success rate of up to 91.7%, was the result of ongoing professional relationships forged through countless battles between MyCRA Lawyers and many hundreds of individual creditors.
Many creditors MyCRA Lawyers deals with on a daily basis, now understand that when a request for documents is received, and they can’t locate any part of what is requested, that it’s simpler to remove the default immediately, than go through the full audit process only to still be proven to have placed the default listing unlawfully, and will often offer to remove the default on a no admissions basis.[/fusion_text][fusion_text]The problem with so-called credit repairers
Credit repair Shonks are hurting consumers
One of the most alarming issues I see with most of the unregulated ‘credit repair companies’, is not actually the alleged misleading and deceptive conduct they are reportedly engaging in, but the quite simply, their lack of legislative comprehension.
A case in point. Today I became aware of the website of a relatively new player in the credit repairing ‘game’. I will refer to them simply as ‘A’.
A’s business name was only registered 30/07/2015 – (8 weeks ago) and is already claiming ‘… has helped hundreds of people across Australia to fix their credit.’
A’s website goes on to claim, ‘… 10 years’ experience in the finance, credit repair & legal sectors.’
The first thing I noticed about A’s website was the lack of a compliant Privacy Policy.
The Privacy Act 1988 (Cth) (Privacy Act) s 1.3 states, ‘An APP entity must have a clearly expressed and up‑to‑date policy (the APP privacy policy) about the management of personal information by the entity’. Section 1.4 goes on to outline the specific information the Privacy Policy must contain and the ‘Note’ in s 1.5 states, ‘An APP entity will usually make its APP privacy policy available on the entity’s website’.
Question worth thinking about | MyCRA Lawyers 1300-667-218
I would like to pose the following question: If a ‘credit repair company’ is claiming to know, understand and enforce the provisions of the Privacy Act, why would they potentially be in breach of a section of the Privacy Act that has a maximum penalty of up to $1,800,000.
Another question: If these ‘credit repair companies’ actually purport to understand the implications of the Privacy Act, why would A leave itself vulnerable to prosecution under s 11(1) which states, ‘If an APP entity holds personal information, the entity must take such steps as are reasonable in the circumstances to protect the information: (a) from misuse, interference and loss; and (b) from unauthorised access, modification or disclosure.’ by not bothering to protect consumers personal information by spending the money to have a safe and secure SSL Certificate installed?
A has published data collection forms on its website. These forms aim to collect the type of personal information that is regularly collected by Identity Thieves. These forms ask consumers to enter their name, contact information, Driver’s License number, Date of Birth, and credit card information. All very valuable information on the black market and to Identity Thieves![/fusion_text][/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_text]This website has no SSL Certificate, which means any aspiring hacker or Identity Thief can reportedly Google and download the code to monitor and intercept all of this information entered into this form.[/fusion_text][fusion_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”liftup” 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=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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]As opposed to how a safe, secure site looks:[/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”liftup” 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=””] [/fusion_imageframe][/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=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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]I’m wondering if the lack of consumer protection on A’s site might be a breach of their merchant facility terms and conditions?[/fusion_text][/fusion_builder_column][fusion_builder_column type=”3_4″ 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_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”liftup” 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=””] [/fusion_imageframe][/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=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” 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_text]There are so many more issues with this, and other credit repair company websites that I really start to question if these companies really understand that they are playing with people lives.
Here’s another ‘credit repair company’ that claims to have ‘… assisted over 150,000 Australians in taking control of credit ratings …’ and presumably should have a better understanding of the need to protect and secure information entered on their website.
At least this ‘credit repair company’ is trying to secure it’s site, but is using out of date technology that is apparently ‘Weak’, ‘Not Private’, ‘Obsolete’, ‘Not Secure’ and ‘Can Be Viewed By Others While In Transit’.
[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][/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_text]Here is a link to better understand what the different coloured padlocks mean in the browser address bar. https://support.google.com/chrome/answer/95617?p=ui_security_indicator&rd=1
So, as I see it, The Problem With So Called Credit Repairers starts with the lack of regulation. There is currently NO regulation specific to a ‘credit repair company’, which is possibly why there are so many complaints and allegations of dodgy shonks, misrepresentation, etc., etc..
Did you know MyCRA Lawyers is the ONLY law firm in Australia, 100% specialising in helping our clients, people just like you, remove or correct credit reporting mistakes to remove bad credit default listings.[/fusion_text][fusion_text]That’s right, MyCRA Lawyers does NOTHING else, so our full attention is always on you, utilising and improving our tested and proven systems, custom designed specifically to increase and maximise your chances of having your bad credit default listings legally removed.
The final question I will pose here is this: If these few examples are in any way an indication of the quality and calibre of ‘credit repair companies’ in general, can you honestly afford to risk putting your faith, and the faith of your clients in their hands with something as important, and as fragile as your credit rating?
I look forward to the expert team at MyCRA Lawyers helping you as soon as you pick up the telephone and dial 1300-667-218 for a free, no obligation consultation where we can take the time to listen, and fully understand your specific circumstances. Only then, can we give you the honest, reliable and trustworthy advice you expect from a law firm.[/fusion_text][fusion_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” 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=””] [/fusion_imageframe][/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=”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=”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!
After an exhaustive enquiry into complaints of misleading and deceptive conduct, regulators have acted to fine a Dodgy credit repairer 500 Penalty Units ($90,000).2
[/fusion_text][fusion_text]The types of practices investigated have been widely discussed by organisations including the Consumer Action Law Centre, the Credit Repair Industry Association of Australasia and the Credit & Investments Ombudsman.
If you feel like you are in Bad Credit Rating prison, call MyCRA Lawyers on 1300-667-218 for help now.
This is the type of headline I have wanted to see for a very long time. Unfortunately, it hasn’t happened yet and the business of ‘Credit Repair’ is one that is for all intention purposes ‘Unregulated’. I am disgusted to hear of people just like you, or your clients, still being ‘ripped off’ every day.
The ‘Credit Repair’ industry is plagued with stories, reports, articles and complaints of dodgy shonks, taking the vulnerable consumer ‘for a ride’ at a time they are most in need of genuine, professional assistance.
One credit repairer was even named a winner in the Choice Magazine 2013 Shonky Awards ‘hall of shame‘.3
There have also been concerns of other credit repair firms being run or managed, by individuals with very dodgy, undisclosed backgrounds, or even serious criminal convictions.
I know people can make mistakes, heck, I too have made my fair share. I have learnt from these mistakes and have for many years, openly published and discussed the fact I have been bankrupt.
My bankruptcy was in fact, the reason I got into the business of helping those consumers (every day Mums and Dads) with bad credit, [fusion_popover title=”I Can Help You Avoid The Mistakes I Made” title_bg_color=”” content=”My mistake was to trust my office administrator who in 1999 encouraged me (personally) to borrow heavily to ‘expand’ the business. I borrowed the money only to discover my office administrator had been altering the payee on cheques for suppliers, rent payments etc. The payments I thought were going to ‘running the business’ were in fact going to him. By the time I was alerted to the problem, almost all of the company accounts were bare and I had creditors screaming at me for payment. I could not understand as I had personally written the cheques to pay the accounts. Those cheques had been presented and paid. I contacted the bank and established that the cheques were presented by my office administrator and not by the suppliers. I contacted the police and was informed by a detective that the offender ‘had done this before’ and ‘knew what he was doing’. There was little to no hope of recovering the money. I received advice from my solicitor that my only option was to declare bankruptcy. I hated the thought.I held on for as long as I could and in September 2000, I voluntarily declare bankruptcy. It was several months later that I discovered I had had additional options not explained to me, but those options had by that point, expired. I then had to sit through 7 years (3 as a bankrupt and 4 as a discharged bankrupt) of exile as a financial leper, all the time knowing that, if I had been able to find the correct information, I could have avoided bankruptcy completely. I have since dedicated my life and business ventures to help people avoid the pain of what I went through as a result of not knowing.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”right” class=”” id=”” width=”500px”]Avoid The Mistakes I Made[/fusion_popover] almost 20 years ago. I’m not proud of what happened, but I refuse to hide it to deceive people.
Where to from here?
I believe there needs to be much tighter regulation and supervision on any person giving advice on something as important as your financial reputation.
Many of these ‘credit repairers’ are not even legally trained, let alone qualified Lawyers, and are interpreting legislation, advising clients based on that interpretation, completing documents for the court proceedings and making recommendations to clients on what and how to proceed.[/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=”” 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_content_boxes settings_lvl=”child” layout=”clean-horizontal” columns=”1″ icon_align=”left” title_size=”” title_color=”” body_color=”” backgroundcolor=”#cbd8b3″ icon_circle=”” icon_circle_radius=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” icon_size=”” icon_hover_type=”” hover_accent_color=”” link_type=”” link_area=”” link_target=”” animation_delay=”” animation_offset=”” animation_type=”0″ animation_direction=”left” animation_speed=”0.1″ margin_top=”” margin_bottom=”5px” class=”” id=””][fusion_content_box title=”It is my opinion that these actions constitute legal work.” icon=”” backgroundcolor=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]
The Legal Profession Act 2007 (Qld) states in Part 2.2 ‘Reservation of legal work’, Division 1, section 22 that the ‘Main purpose for pt 2.2’ is:
The main purposes of this part are as follows— (a) to protect the public interest in the proper administration of justice by ensuring that legal work is carried out only by those who are properly qualified to do so; (b) to protect consumers by ensuring that persons carrying out legal work are entitled to do so.
Further in ‘Division 2 Prohibitions’ section 24(1) states: ‘A person must not engage in legal practice in this jurisdiction unless the person is an Australian legal practitioner. Maximum penalty—300 penalty units or 2 years imprisonment.’
Yes, we are an Incorporated Legal Practice and these comments may sound self-serving, and I suppose in a way they are. However, this article is not about more business for MyCRA Lawyers as there are far too many people out there right now that need MyCRA Lawyers help. This article is about the unsavory predatory practices engaged in by a number of businesses in an unregulated ‘industry’. CONSUMERS BEWARE!
With Equifax (formerly Veda Advantage) reporting more than 16.5 million credit files alone, and given that Choice conducted a survey evidencing that as many of those credit files may have mistakes. That’s mistakes on more than 5 million credit files. Possibly your credit file. (We believe as many as 1 in 5 Australian Adults [or up to 3 million] may have a Bad Credit Issue that (1) they don’t know about, and (2) may require the services of MyCRA Lawyers.)
Some of those mistakes may be as simple as a name spelled incorrectly (though that alone can lead to serious issues with someone else’s bad credit default listing being applied to your credit file), or an incorrect address and many of these smaller issues are very easy to correct yourself with a simple call to the credit reporting body.
Many other mistakes may be much harder to correct. This is where you may choose to engage MyCRA Lawyers.
In theory, there is no credit repair action that MyCRA Lawyers can help you with that you can’t do yourself. This fact is pushed heavily by many reputable bodies like those previously mentioned in the opening paragraph of this article.
The reality however, is very different. Just like you can defend yourself in other complex legal matters, in and out of court, most consumers do not have the time, the knowledge, the research skills or ability to achieve the result they are after. Even those that do have the ability, often simply choose to hand over all of their stresses and worries to MyCRA Lawyers, and let a Law Firm experienced in this specific area of law handle everything for you.
The Ombudsman bodies do offer dispute resolution services and for the most part, do an amazing job. However, you may discover when you utilise these services, that there can be lengthy delays before your file even has a case manager appointed.
I have also noticed that MyCRA Lawyers has had bad credit default listings removed, that had previously been through one or more ombudsman services, only to be told by those services that the default listings would remain. (see Belinda’s story on Youtube)
MyCRA Lawyers does an intensive in-depth, audit style analysis of the creditors records, looking for evidence of any legislative non-compliance or other breach that may have limited the individuals rights, which may in-turn, deem the bad credit default listing unlawful, and require it’s immediate removal.
Please understand at this point, that ONLY the default listings that have been proven to have been placed in error can be removed.
[/fusion_text][fusion_text]You deserve the best representation you can afford.
MyCRA Lawyers are your Experts In Credit Restoration.
MyCRA lawyers Legal Practitioner Director, Ms Adrienne Soo, oversees and supervises all paralegals and administration staff to ensure the level of Credit Report Restoration expertise is at a standard which we believe to be the highest in Australia.
Given my personal background as a Mortgage Broker for 13 years (1997 to 2010) and as the Founder and non-Legal Director of MyCRA Lawyers, I believe, I know, when you choose MyCRA Lawyers to investigate you/your clients Credit Rating Black Marks, you are making the right decision.
MyCRA Lawyers is regulated by the Legal Professions Act 2007 (QLD) and conforms to the highest standards of Trust Accounting, Legal Practice, Independent Audits, Years of Professional Legal Training, Ongoing Legal Training and research, all to protect your rights as a consumer and to ensure you have a choice that is better than being sucked in by the shonks that call themselves ‘credit repairers’.
For an obligation free no cost chat about your specific circumstances, please pick up the telephone right now and call MyCRA Lawyers on 1300-667-218 or pop in and visit us in our Australian Head Office at 246 Stafford Road, Stafford, Queensland.
Unfortunately, we may not tell you what you want to hear, but we will tell you the truth. You can then make an educated decision on the best way for you to move forward.[/fusion_text][fusion_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” 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=””] [/fusion_imageframe][/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=”” 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” 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=”” 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=”” video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”#e5e4e4″ border_style=”” padding_top=”65px” padding_bottom=”50px” 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=”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=”” 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″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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″ 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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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″ 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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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″ 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=”” 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″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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″ 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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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=”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=”” 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″ 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=”” 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=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][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_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” button_gradient_top_color=”#e2d49a” button_gradient_bottom_color=”#e2d49a” button_gradient_top_color_hover=”#dd9933″ button_gradient_bottom_color_hover=”#dd9933″ 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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=”” min_height=””][fusion_text][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” 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=”” 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” 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″ 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=”” 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” 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″ 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=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_text]1. This article is a representation of what the writer would like to see, not an article that has been published previously. 2. a $90,000 fine is based on 500 penalty units at $180 per unit. This is a fictitious fine that unfortunately has never been levied against a dodgy credit repairer to the best of the writers knowledge.3. https://www.choice.com.au/about-us/media-releases/2013/october/2013-shonky-award-winners 4. Full terms and conditions are available after you have been qualified for the “100% Money Back Guarantee” product and are attached with the MyCRA Lawyers Legal Cost Agreement. 5. Past results are no indication of future success.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
It Only Takes A Couple Of Minutes For You To Hand Over All Your Worries To Us: We’ll Look After You…
Our #1 priority is you, our client. We believe in our product and hold ourselves to the highest standards. We truly care about restoring your credit reputation as much as you do, which is why we offer you the ONLY [fusion_tooltip title=”If we can’t get your creditor to agree to remove your default, you’ll get your money back”]100% Money Back Guarantee3[/fusion_tooltip] of its type in Australia.
[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_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_separator style_type=”none” top_margin=”20″ bottom_margin=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”rubberBand” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”50″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]Also, for your further comfort and reassurance, you see you have the most dedicated and experienced expert credit repair team in any Law Firm in Australia, totally focused on helping you, and all at the one [fusion_tooltip title=”Call MyCRA Lawyers Now 1300-667-218 for a free, no obligation chat”]low fixed fee[/fusion_tooltip] you’ll really like the sound of…[/fusion_text][fusion_separator style_type=”none” top_margin=”10″ bottom_margin=”0″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”#e2c9b7|#dd8949″ accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”#7a7a7a” border_width=”2px” icon=”” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center” class=”” id=””]Click to Call Now 1300-667-218[/fusion_button][/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=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” 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_text]Step 1 – Call[/fusion_text][fusion_flip_boxes columns=”1″ class=”” id=””][fusion_flip_box title_front=”Call MyCRA Lawyers on 1300-667-218″ title_back=”You’ll Feel Relieved When You’ve Made The Right Decision” text_front=”You Tell Us What Happened – We’ll Explain How We Can Help You Today” background_color_front=”” title_front_color=”” text_front_color=”” background_color_back=”” title_back_color=”” text_back_color=”” border_size=”1px” border_color=”” border_radius=”4px” icon=”fa-check-square-o” icon_color=”#81d742″ circle=”yes” circle_color=”” circle_border_color=”” icon_rotate=”” icon_spin=”no” image=”” image_width=”35″ image_height=”35″ animation_type=”0″ animation_direction=”down” animation_speed=”1″]
We’ll listen to really understand your specific circumstances, and how we can use that to your advatage.
[/fusion_flip_box][/fusion_flip_boxes][/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_text]Step 2 – Analysis[/fusion_text][fusion_flip_boxes columns=”1″ class=”” id=””][fusion_flip_box title_front=”MyCRA Lawyers Team Will Handle Everything For You” title_back=”You’ll Be Able To See Light At The End Of This Dark Tunnel When You’ve Made The Right Decision” text_front=”We’ll Begin The Process Of Auditing Your Creditor’s Records” background_color_front=”” title_front_color=”” text_front_color=”” background_color_back=”” title_back_color=”” text_back_color=”” border_size=”1px” border_color=”” border_radius=”4px” icon=”fa-check-square-o” icon_color=”#81d742″ circle=”yes” circle_color=”” circle_border_color=”” icon_rotate=”” icon_spin=”no” image=”” image_width=”35″ image_height=”35″ animation_type=”0″ animation_direction=”down” animation_speed=”1″]
We Audit Your Creditor Looking For Legislative & Compliance Errors, To Have Your Default Erased…
[/fusion_flip_box][/fusion_flip_boxes][/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_text]Step 3 – Success[/fusion_text][fusion_flip_boxes columns=”1″ class=”” id=””][fusion_flip_box title_front=”Legislative Compliance Breached Uncovered – Default REMOVED!” title_back=”You’ve Made The Right Decision – Now You Can Buy Your Home…” text_front=”SUCCESS! – Time For You To Go Looking For Your Dream Home…” background_color_front=”” title_front_color=”” text_front_color=”” background_color_back=”” title_back_color=”” text_back_color=”” border_size=”1px” border_color=”” border_radius=”4px” icon=”fa-check-square-o” icon_color=”#81d742″ circle=”yes” circle_color=”” circle_border_color=”” icon_rotate=”” icon_spin=”no” image=”” image_width=”35″ image_height=”35″ animation_type=”0″ animation_direction=”down” animation_speed=”1″]
Your Creditor is advised your bad credit default was placed in error and instructed to remove it immediately.
Our Clients: We Love our Clients, And They Love Us.
We are fully dedicated to our clients. When you buy MyCRA Lawyers, there’s no need to worry because we keep you informed every step of the way . With historically, up-to 91.7% success, you’re in safe hands with MyCRA Lawyers. Check out what others are saying about MyCRA Lawyers!
“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=”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=”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_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_button link=”tel:1300667218″ color=”orange” size=”xlarge” 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_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_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=”1px” border_color=”#aaaaaa” border_style=”solid” padding_top=”25px” padding_bottom=”25px” padding_left=”25px” padding_right=”25px” 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” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text][contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_text][/fusion_builder_column][/fusion_builder_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]1. Not available for all products and or services and is offered only after certain specific criteria is met. For new business only. Can not be combined with any other product or service without the specific written consent of MyCRA Lawyers management. 2. Only available to new business clients who are approved for the “100% Money Back Guarantee” product after being qualified within MyCRA Lawyers internal qualification system. MyCRA Lawyers reserves the right to withdraw, cancel or suspend the “100% Money Back Guarantee” product at any time for any reason without notice. 3. as in (2) above. 4. Full terms and conditions are available after you have been qualified for the “100% Money Back Guarantee” product and are attached with the MyCRA Lawyers Legal Cost Agreement. 5. Past results are no indication of future success.
[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_text]Credit Repair Background:
Elisa found out about the listing when she was unable to get a home loan. Her default listing occurred due to a partnership breakup and her house got sold at Mortgagee Auction around 2 years ago.
What were any challenges with the creditor? None. The creditor responded promptly to our office to confirm removal based on our initial findings.
Why was the listing removed? The creditor agreed to remove the default upon their review of MyCRA Lawyers’ formal request.
Summary: Elisa was referred to our office by her broker as she was unable to get a home loan. Our team managed to remove this listing in just 4 business days. Elisa can now confidently apply for her home loan. Congratulations Elisa!
[tipsy content=”Right click and select ‘Save Link As’ or similar to save the PDF to your computer. Alternatively, click on the link, then once open, right click and ‘Save As’ If this all fails, call 1300-667-218 and ask one of our friendly team to email you a copy.” group=”1″ use_oembed=”false” ]Click[/tipsy] HERE do download the PDF version of this Case Study.
Do You Want To Discover The Secrets Behind The Amazing Success In Removing 9 Out-Of 10 Defaults By MyCRA Lawyers?
Enter your details now
If you answered YES, Enter your details to register for your free initial consultation (no obligation) where you’ll uncover exactly what it takes to remove your defaults …
MyCRA Lawyers, Your Credit Repair Experts.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”1_2″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”#1e73be” border_style=”dashed” padding_top=”10px” padding_right=”10px” padding_bottom=”10px” padding_left=”10px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”2px” border_sizes_bottom=”2px” border_sizes_left=”2px” border_sizes_right=”2px” first=”false” spacing_left=”2%” min_height=””][fusion_text]Fill in your details below to register for an obligation free, free initial consultation.
Who knew we would go from where we were to where we are now?
If another staff member said to me 2 years ago that in 2 years, our processes would change and we will find bigger and better ways to remove defaults – I would not have believed them.
Given that I played a big part in the processes changing and implementing, if I looked back, I would not believe that I would have had it in me to accomplish such a task as an individual, but also as part of a team.
We are constantly looking at how to improve, and how to challenge not only ourselves but to expand our knowledge.
On average, every second day, another staff member would come to me with an idea on how to improve. Most of these changes are implemented, and because of that, we are a lot quicker, and have a smoother process in removing defaults.
So when I sit back and think to myself: “who knew that we would be here now?” I wonder at the accomplishments that MyCRA Lawyers was able to achieve.
We are just like any other business – we have highs and lows. But we enjoy the small things and take the big things seriously – whether that would be having banter in the office over which lip gloss is better or if we are building a case against a creditor.
[fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Mike Goldman is very busy these days with his new movie “Killing Goldman” and just like you, Mike had an unfair default listed on his credit rating.
Mike had a default listed by a phone company that was not only unfair, but upon investigation also unlawful.
If you would like your bad credit rating repaired, call MyCRA Lawyers now on 1300 667 218
Bad Credit Defaults Erased – Start Today From Just $497
[fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”]MyCRA Lawyers Can Help You Get A Good Credit Score – Call 1300 667 218 to get started now.
Yes, by now you probably already know that most of the clients we take on have an up to 9 in 10 chance of having their default(s) removed.
You probably also know that there are other so called credit repairers out there that make lots of claims with little to no substance to qualify their claims – just lots of reports in the press about ‘Shonks’ and rip-offs etc. charging like wounded bulls at your clients expense.
MyCRA Lawyers is the ONLY Law Firm in Australia that is 100% focused and specialising in helping you and your clients navigate the minefield that is up to 8,000 pages of legislation that is relied upon to evidence the creditors errors in placing our clients unlawful default listings.
[/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”]MyCRA Lawyers – Experts In Credit Restoration – Call 1300-667-218 now if you deserve a second chance.
Given you might know of MyCRA Lawyers level of expertise, the speed at which the defaults are removed (a million dollar default removed in just 4 business days, another default in just 18 minutes) and the historical success rate better than 91.7%, you’d probably be surprised to learn that we are probably the most cost effective and best value for money Law Firm that can permanently erase your bad credit listings from just $497 down today.
If you’d like to learn more about how MyCRA Lawyers can help you and your clients, then do yourself a favour and pick up the phone and call 1300-667-218 during Queensland Business hours and speak to one of my Solicitors, Paralegals or support staff that are here to serve you now.
good afternoon Kamal, Graham Doessel from Mycra Lawyers in Brisbane, how you going?
I’m good, good thank you. How are you?
Good, Do you have a couple seconds?
Yes, I do actually have a patient in my room, I’m just printing something for him, just one moment.
Ok thanks
Ok, so ah, yeah, is there anything that I can do for you at the moment?
Absolutely, absolutely. Its um – are you talking to me or the patient?
ahh you haha
hahaha. Yeah, i just noticed the email that you sent through to lauren this morning
Yes
Thank you so very very much for your kind words that’s amazing
Thank you i really appreciate it
I was wondering if I used that in my marketing?
of cause
do you mind if i leave your name in there?
Yes 100%, but if you want me to send you the same email to you sir i have no problem with that
no that’s fine I’m happy to use the one I’ve got here that’s fine. Thank you so very very much and look if we can be of any help with anything at any stage in the future…?
Thank you so much i will tell all my doctors friends, family and I will recommend them to you, because for me –
it’s so easy to get bad credit isn’t it? (Yeah) It’s so easy to get bad credit and so hard to get rid of.
that’s right it was for me impossible to get any loan, without your help, cause you know I had two default unjustified and um I dunno if Lauren knew about it, I contacted Veda and the default has been removed completely, probably she doesn’t know yet haha, but i wanted to let her know, and my Veda score is the highest in Australia, its 911.
That’s fantastic
So yeah
So it’s just that default that was making it hard yeah?
Yes, my Veda score was 452 (yep) 20% bottom, you know, bottom, I mean sub zero, and now it’s 911, (yep) it’s the highest in the country. It’s in the 81 – 100%, so it’s the – it’s an excellent score – Excellent.
That’s amazing
So you’ve got below average, you’ve got average; you’ve got good, very good, and excellent. For mine its excellent thanks to you.
I’m very very glad to hear that very glad to hear that. (Thank you) So the only thing that I’ll block out of this thing is your personal email address
Beautiful
Fantastic
I’m more than happy for you to do that, yeah. And if you would like me to do some testimonial on YouTube for example, I’ll get my partner, shes in IT and ah she knows, well a lot about computers, I’m more than happy to organise a YouTube testimonial regarding umm you know… regarding the ahhh…. you know our chat and explaining what your firm has done to me.
G- well that’s – that’s absolutely wonderful yeah absolutely
And Lauren Andrew ahhh Phillip Anthony, Cory – they are all amazing, you know? I can’t tell you how beautiful the service was, it’s amazing, its changed my life. Its changed my life and its saved me thousands of dollars because you know the bank wanted to give me 10% because of my credit file. My excellent – my credit history now, its back on track
fantastic, congratulations Kumal that’s amazing
thank you so much sir, thank you so much. Thank you.
do you mind if i pull this phone call from our server and Ill just use your kind words in an audio testimonial as well is that ok?
[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Here’s the video testimonial we got today from Belinda Smith who had a very hard time.
She was trying to get Veda Advantage, The Office Of The Information Commissioner and the Creditor themselves to remove the default but with zero success.
She had given up.
Click the video below to hear her story. (There are captions if you can’t hear it where you are now…)
I have recently had a default lifted from my name by MyCRA Lawyers.
We went for a bank loan, and it got rejected because of the default. I rang the company that placed the default to see if this was true and in fact it was.
I spent the next 12 months, making phone calls, emails, contacting Veda, contacted the Australian Information Commissioner in Sydney – nobody could help. I could note get my default lifted – we had given up hope.
Our financial broker suggested that we gave MyCRA Lawyers a call. I cannot express my gratitude to the team at MyCRA Lawyers. They’re understanding.
Graham Doessel, the CEO of MyCRA Lawyers, rang me many times, discussing my default, and when that phone call came from him personally, to say that my default had been lifted, I can’t express my emotions at that moment. There were tears, there was laughter, there was – it was just an overwhelming feeling. So I would like to say thank you, for all their hardwork.
If you need a lawyer for any reason, or a default or any other reason you might need a lawyer, give MyCRA Lawyers a call. See if they can help.
But I would just like to say a big thank you. Thank you for helping us, and thank you for letting us, now we can move on. So thank you.
If Bad Credit is still making your life difficult and you want help removing it, Call MyCRA Lawyers now on 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Click the play button below to hear the (slightly edited) version of the phone call between Graham Doessel and Belinda Smith as Graham tells Belinda that her default has been removed.
Recently, (11th May 2015) Veda Advantage issued a notice to it’s subscribers that they would no longer be removing Court Judgments when a Notice Of Discontinuance is filed.
If you use a credit repairer that is NOT a Law Firm, there is a very strong chance they will not fully understand the intracies and legal ramifications of having the Judgment removed.
Can you and your reputation really afford to take the risk?
Call MyCRA Lawyers now on 1300 667 218 for a no obligation chat.
By the way, here’s a short video showing you how easy it is to refer a friend or your client online right now… (Has subtitles in case you’r speakers don’t work)
[/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”]How to refer a friend or client with MyCRA Lawyers online referrer form
Call Mycra Lawyers now on 1300 667 218 if you need to imagine how relieved you’ll feel when you see yourself with a clean credit rating and your broker or bank says “APPROVED” – You just might think to yourself how glad you are that you decided to choose Mycra Lawyers. Call now – 1300 667 218
We now have a direct dial number for Accredited Brokers [/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”][] (also, have you spoken to Gerard McDonald yet? He is ex Liberty, understands what you need as a broker and is 100% focused on helping you settle more deals – call him on 0438 744 278 or email him at GM@mycralawyers.com.au)
With close to 3.4 Million bad credit listings on more than 16.5 Million credit files in Australia, it’s not surprising that brokers come face to face with clients credit file defaults every single day and with the GFC and tightening lending criteria, it seems to be getting harder and harder to be a broker.
Picture this…
You have a client contact you, it’s a straight forward deal, sweet, this one will go towards this month’s mort.gage payment… then out of the blue, the client says, “that default on my CRA won’t make any difference will it?” (If they tell you at all)
Your heart sinks… you think to yourself, “why couldn’t they have told me at the start…”
You know that the default has seriously limited the number of lenders that will even look at the deal let alone approve it…
I’m sure the above scenario is one that all too many brokers have seen in the past. And all too many Brokers have had no where to go… The deal was lost and the commission was gone…
All that hard work for nothing… Oh well, at least you found out early in the piece…
Recently a solution popped up…
How about removing the default from the clients Credit File…
And you can make a few bucks as well… (But more about that shortly..)
Mycra Lawyers is not just another ‘wannabe’ that says a lot but does very little…
Mycra Lawyers puts its money where its mouth is… and with a 91.7% hit rate, we can afford to.
Historically, up-to 91.7% of all Credit file repair applicants achieve a positive outcome.
If you answered YES to all 4 questions then read on..
%%First Name%% if you counted up how many deals you’ve lost due to bad credit, and then added up the commission that’s not in your pocket because of it, don’t you think you deserve to have Mycra Lawyers as an option to help your clients? (and you)
Here is what one broker has had to say about the process:
________________________________________________
Hi Guys,
Please use this to help convince more brokers to get credit files fixed.
Happy to help in any way I can.
If other brokers only use you once a month they could add thousands to their bottom line every year..
Thanks heaps for the help
Pete.
“These guys really help us brokers especially as we seem to come up against a credit impaired client at least once a week.
One of my clients recently wanted to re-finance and went to the NAB, they told him he had a $4,127.00 paid default that he knew nothing about. He also had a court Judgement from 2005. Funny enough, they said no.
As it happens, the client had a dispute with a creditor, he won the argument and paid the bill and was unaware that the creditor had listed him on his CRAA.
When I got the client, he told me about the CRAA and we talked about getting it fixed. We did the numbers and it made good financial sense. If we could get him placed as nonconforming, the rate would be much higher and the LVR much lower… Getting his CRAA fixed was a lot better solution.
I have now settled on this deal. The client is very happy with his standard rate and I got paid too. ($843,214.00 Re-finance)”
PS VIC
_________________________________________________
More and testimonials referrals
and video testimonials
_________________________________________________
Check us out at www.mycralawyers.com.au, then call Mycra Lawyers now on 1300 667 218 (Or direct on 07 3124 7133) or
email info@mycralawyers.com.au for more information.
If you would like to jump the queue and get straight down to it.. so you client is automatically tagged to you as their broker
Help your client understand our process, send them through and we’re on our way to getting another deal settled for you.
Once you are comfortable with who we are and what we do, I can talk to you about the referral program that could see you making or passing on to your client up to 7.34% of your clients total professional fees on each credit file repair.
Thanks for taking the time out of your busy schedule to read this.
Please come back to me personally if you have any questions.
[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]We all loved Mike Goldman in Big Brother. We recognise his face & his voice on T.V. ads and you might also have seen his new flick, Killing Goldman.
What you might also realise is that even personalities and celebrities can fall foul of Australia’s negative credit reporting system. (Mike was one of the 9 in 10 people we can help to clean his credit rating. There is every chance that you are likely to have the same success.)
Watch the short video below where Mike Goldman explains how he became another victim of the bad credit monster.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_youtube id=”/d9l1gZdKH8o” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]
We can help you remove your bad credit defaults so you can get your finance.
If you want a clean credit rating and want to avoid the shonks that are not legally trained, Call Mycra Lawyers now on 1300 667 218 for a no obligation chat about your specific circumstances and chances of success. We’re here to help you.
[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=”” border_sizes_undefined=”0px” first=”true” min_height=”” hover_type=”none” link=”” border_position=”all”][fusion_text]Credit Repair Background:
Daniel was still living at his parents’ house when this default was reported on his credit file. At the time of the listing, he was suffering emotional and financial hardship due to his brother passing away. This situation resulted in him being unable to work which resulted in him being unable to pay his bills.
What were any challenges with the creditor? There were no issues with the creditor as we presented our case and they responded to our requests in a timely manner.
Why was the listing removed? Our team informed Vodafone of the circumstances that surrounded Daniel at the time of the listing. They were completely understanding of his situation and understood why he was not able to discuss his circumstances with them at the time. They requested a stat dec to outline his hardship and removed the default once this was provided.
Summary: Daniel approached Mycra Lawyers with 3 remaining defaults as he had previously used another Credit Repair Firm who had been unsuccessful in removing these listings. Daniel was able to have these other listing removed in 30 days also- Congratulations Daniel!
ClickHERE do download the PDF version of this Case Study
Call Mycra Lawyers today if you are struggling with bad credit and need a hand getting it removed fast. Call 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
You are a young parent in your 20s. This is probably the most exciting time of your life. You plan all the trips you wish to take your new born child on. Therefore, you desperately require a new car to transport your growing family. You apply for the car loan but you learn of two defaults existing on your credit file.
Cost of this: No car to transport your newborn child.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 2:
You have been working really hard for two years in a full time job. You receive a solid and steady income. Every week you put money aside to save for a deposit on your new home. You have been planning and designing every detail from the flooring to the fabric of the curtains. You wonder if you will ever there. You reach your goal amount! You are now able to begin searching for the house you have been working so hard for.
You do some research, find a mortgage broker, and begin the process of applying for a home loan. Your mortgage broker asks you a standard array of questions. One of those questions is if you have any problems on your credit file. You declare a store card that you had when you were younger. At this time your spending was out of control and you were unable to keep up with the payments. Although you eventually paid this debt you were still struck with a black mark on your credit file at that time.
Because of this, you could only be approved for high interest finance through a second-tier lender. They charged a large initial fee and offered an interest rate two percent above what you could have got if you had a clean credit file.
Cost of this: A large amount of your deposit.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 3:
You and your partner have been saving for your retirement all of your life. Your children have moved out. You both decide that this is now a prime time to fulfill your dreams of adventuring to all the places you wish to visit on your own boat. You have collectively decided on the boat that suits both your needs. This will make your retirement the luxury experience it should be.
You approach a broker to be told the devastating news that there is currently a court judgement on your credit file. This court judgement would remain on your credit file for another four years. The judgement had arisen as part of a commercial dispute that had now been settled. Your broker could not recommend a second-tier lender because the interest rates were so high that you would be put in hardship trying to pay the monthly instalments.
The worst part is the cost of finance to purchase a leisure product is expected to rise over the next four years. Therefore, when your credit file is clear, you wouldn’t be able to afford to purchase the dream boat. Taking away you and your partners dream of adventuring around the world on your own boat. Something you have both planned for all your life.
Cost of this: Unfulfilled life dreams[/fusion_text][/fusion_builder_column][fusion_builder_column type=”5_6″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]The thing that all these three scenarios have in common is a default has affected their way of life or dreams within life. These scenarios demonstrate the inability to obtain adequate finance. Defaults on credit files could cost you more than the cost to have it removed.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
You get a phone call or see an ad for a company that claims it can instantly repair your credit. Your poor credit rating has been a barrier to preventing you from achieving.
You contact the company, and they promise to remove past credit mistakes, such as late payments or a bankruptcy, from your credit report.
How to identify a credit repair scam:
Please find below the 5 main points to help you not be caught out with a Credit Repair scam:
The company promises to remove all negative information from your credit report. If the information is lawful and accurate, they cannot remove this.
You are urged to get a new ‘credit identity’. This is just a sales pitch!
Ensure you check all information. Make sure you sign a contract and that it contains the terms of your agreement, including the price, the time period and the services to be performed.
Research the prospective company to ensure you know their reputation.
[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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]As opposed to how a safe, secure site looks:[/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”liftup” 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=””] 
[/fusion_imageframe][/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=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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]I’m wondering if the lack of consumer protection on A’s site might be a breach of their merchant facility terms and conditions?[/fusion_text][/fusion_builder_column][fusion_builder_column type=”3_4″ 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_imageframe lightbox=”yes” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”liftup” 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=””] 
[/fusion_imageframe][/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=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” 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_text]There are so many more issues with this, and other credit repair company websites that I really start to question if these companies really understand that they are playing with people lives.
[/fusion_imageframe][/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_text]Here is a link to better understand what the different coloured padlocks mean in the browser address bar. 
[/fusion_imageframe][/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=”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=”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]
[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”50″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]
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[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] 
[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] 
[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 1: 
[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Your credit score matters. Scammers know this, and they make a living preying on those desperate to improve their score.