CASE STUDY – REMOVAL – Peter* (Ref:9913) from QLD had his Fair Go Finance default removed in 145 days

[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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

Name:	Peter*
State:	QLD
Sex:	Male
Age:	35
Married/Single:	Married
Listing Type:	Default
Original Creditor:	Fair Go Finance
Current Creditor:	–
Paid / Unpaid:	Unpaid
Listing Amount:	$2174
Commenced work:	09/05/2019
Default Resolution:	01/10/2019

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

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

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Credit Repair Background:
Peter* has two listings on his credit file. At the time, Peter* was the sole income earner within their family of 6 and with the new costs of the loans, it had all become too much to cover. He has since found new employment to ease some of the financial stress and his wife has taken up employment as well.

What were any challenges with the creditor?
Fair Go Finance declined to remove the default at the time of the initial investigation.

Why was the listing removed?
MyCRA Lawyers submitted a Complaint to the creditor in regards to client’s personal circumstances and they agreed to remove the default.

Summary:
Peter* engaged MyCRA Lawyers to investigate the likelihood of removing the two listings on his credit file. The listings resulted from a time when Peter* was experiencing financial hardship as he was the sole income earner within their family of 6. Peter* only discovered the bad credit default listing when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 145 days. Peter* can now move forward financially as his two listings were removed. Congratulations Peter and good luck!

Peter’s* name has been changed to protect privacy

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

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

24/12/2019

CASE STUDY – REMOVAL – Amir* (Ref:11652) from New South Wales had his Telstra/Zurich Capital and Finance default removed in 72 days

[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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

Name:	Amir*
State:	NSW
Sex:	Male
Age:	33
Married/Single:	Single
Listing Type:	Commercial Default
Original Creditor:	Telstra
Current Creditor:	Zurich Capital & Finance
Paid / Unpaid:	Unpaid
Listing Amount:	$3675
Commenced work:	24/07/2019
Default Resolution:	04/10/2019

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

Credit Repair Background:
Amir* was living in Los Angeles, USA at the time and was not contacted. He would have paid the debt if he was contacted, which he has done since.

What were any challenges with the creditor?
Zurich declined to remove the default at the time of the initial investigation.

Why was the listing removed?
MyCRA Lawyers sent supporting information to Zurich as part of evidence and request for default removal.

Summary:
Amir* engaged MyCRA Lawyers to investigate the likelihood of removing a Telstra / Zurich Capital & Finance default listing on his credit file. The listing resulted when Amir* did not received correspondence nor calls regarding the overdue account. Amir* only discovered the bad credit default listing when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 72 days. Amir* can now move forward financially. Congratulations Amir and good luck!

Amir’s* name has been changed to protect privacy

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

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

24/12/2019

CASE STUDY – Credit Repair REMOVAL – Frei (Ref:12444) from New South Wales had his Telstra/Credit Corp default removed in 1 day

[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

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

MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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

Name:	Frei*
State:	NSW
Sex:	Male
Age:	53
Married/Single:	Single
Listing Type:	Default
Original Creditor:	Telstra
Current Creditor:	Credit Corp
Paid / Unpaid:	Paid
Listing Amount:	$538.35
Commenced work:	18/09/2019
Default Resolution:	19/09/2019

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” admin_toggled=”no” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

Credit Repair Background:
The default happened because Frei* lost his job and was living without work for nearly eleven months which was his only source of income.

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

Why was the listing removed?
MyCRA Lawyers sent a demand letter to Credit Corp and upon review have agreed to remove the default listing on a no admissions basis.

Summary:
Frei* engaged MyCRA Lawyers to investigate the likelihood of removal of a Telstra / Credit Corp default listing on his credit file. The listing resulted when Frei* lost his job and it was his only source of income. Frei* only discovered the bad credit default listing when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 1 day. Frei* can now move forward financially. Congratulations Frei and good luck!

Frei’s* name has been changed to protect privacy

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

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

23/12/2019

CASE STUDY – REMOVAL – Saul (Ref:11508) from Tasmania had his Panthera Finance default removed in 2 days

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Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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Name:	Saul*
State:	TAS
Sex:	Male
Age:	46
Married/Single:	Married
Listing Type:	Default
Original Creditor:	Panthera Finance
Current Creditor:	–
Paid / Unpaid:	Unpaid
Listing Amount:	$51,723
Commenced work:	17/07/2019
Default Resolution:	19/07/2019

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

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Credit Repair Background:
Saul* has several default listings on his credit file. The listings happened when Saul* lost their business due to high rents and huge drop in daily sales which led to closures.

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

Why was the listing removed?
MyCRA Lawyers sent a demand letter to Panthera Finance and upon review have agreed to remove the default listing.

Summary:
Saul* engaged MyCRA Lawyers to investigate the likelihood of removal of several defaul listings on his credit file. The listings resulted when Saul* lost their business due to high rents and huge drop in sales. Saul* only discovered the bad credit default listings when he was later declined for finance. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 2 days. Congratulations Saul and good luck!

Saul’s* name has been changed to protect privacy

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

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

07/08/2019

Explainer Videos – How Does Credit Repair Work

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Credit repair or credit dispute using our Lawyers focused on credit law, involves MyCRA Lawyers representing you in your case to remove your bad credit that you believe should not be there.

Simply put, if the credit file listing has not been added fairly, has been added incorrectly, or you believe it should not be there at all, then talk to us to have it removed.

We can help you get a copy of your Credit File, and from there perform a credit file analysis and determine how we can help repair your credit file to give you the best opportunity to your finance application accepted by Credit Providers.

Let’s Get You Started with Credit Repair

Or find out more about what’s involved in disputing bad credit…

What is Credit Repair?

The Credit Repair Process

What Will I Save? (Clean Credit v Bad Credit Calculator)

Case Studies

Testimonials

For a personal consultation or quote, contact our team at MyCRA on 1300 667 218 or fill in the quick enquiry form on this page and our team will get back to you ASAP.

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How Does Credit Repair Really Work?

Twice a week we will add new Explainer Video’s to this page to answer your burning questions about How Credit Repair Really Works.

So Remember to Bookmark this page so it’s easy to find!

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If you have a burning question you want answered, please tell us in the comments below!

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01/08/2019

Senate Enquiry Into Credit Repair In Australia [email]

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Hi,

The [credit repair] Senate Enquiry into “Credit and financial services targeted at Australians at risk of financial hardship” just concluded its Brisbane Public Hearing and our Legal Practitioner Director Patrick Earl was in attendance.

MyCRA Lawyers 80 page submission to the Senate Enquiry (Go to this link, then page 4) is summed up on page one of our submission.

“Our fundamental submission is that credit repair work should be recognised as legal work by its very nature. Consequently, it would be reserved for lawyers, thereby being regulated in each state by the relevant legal regulatory body. Restricting credit repair work to lawyers would thereby address almost all of the complaints made about credit repair bodies.

There seems to be a commonly held belief that credit repair work is unregulated whereas, in our submission it is, it is legal in nature and should be limited to and regulated as work for lawyers. The regulations already exist and it only awaits the recognition of the nature of the work”

The Canberra public hearings are scheduled for tomorrow 24 Jan 2019

You can contact us on 1300 667 218

Graham

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Remember, until the end of January, anyone who uses this new simple form contained within the new page will save up to *58.6% off our Solicitors Standard Hourly Rate – so CLICK HERE give it a try today and don’t miss out on savings of up to 58.6%!
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PPS. I hope we have your Mobile number correct (None Supplied)
You might like to reply to this email with your up-to-date- contact details

Thanks

Warmest regards,
MyCRA Lawyers

Graham Doessel
Chief Executive Officer

Tel: 1300 667 218

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have a look at a few previous success stories (Case Studies)
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If the phones are busy please keep trying, as these amazing saving will be snapped up fast, so don’t you be the one to miss out…

To help you decide, where we help you is…

If you have bad crèdit; and
If you want a clean crèdit rating in early 2019; and
If you want the safety, surety, and confidence of Lawyers; and
If you want the best value for your money,

Then doesn’t it make good sense to get started with MyCRA Lawyers? It does, doesn’t it?

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have a look at a few previous success stories (Case Studies)
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So, if your home loan was declined and you missed out on the perfect home because of your bad crèdit rating that no one told you could be fixed by MyCRA Lawyers, then looking back maybe you’d say you’d have paid anything to have the default removed right?

So rather than waiting for more bad news, why not get started on your credit repair with MyCRA Lawyers Now at our best value ever and let us do all the work so you can have a clean credit rating in 2019?

If you can recall, I’ve been helping people fix their credit ratings since 26 November 2009 (I tested the idea from September 2009 and registered the company 26 Nov 2009), so I believe I’ve got the most experience, knowledge and success in credit repair in Australia, in MyCRA Lawyers, and this is backed up by:

Our fastest Default Removal Resolution in just 17 minutes from our first email to the creditor to receiving confirmation that the default would be removed
Being able to prove our 91.6% Default Removal Resolution Success Rate
The growing number of glowing client reviews, and

This all means that MyCRA Lawyers has come to be known as the premium choice if you want your credit repaired properly, in the shortest possible time, and with the least amount of work required from you (we ask you a few questions and then seek the information from your creditor, and do everything for you)

So if you want your credit repaired properly, in the shortest time, and now (until Thursday 31 January 2019 at 5pm QLD time) at the lowest lawyer rate in Australia, call MyCRA Lawyers NOW on 1300 667 218 and ask to get started NOW

Oh, I almost forgot to tell you how we worked out how to do it …

We have deconstructed our 9 years of success and reassembled it into 4 distinct stages

Investigation
Review
Complaint
Escalation

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have a look at a few previous success stories (Case Studies)
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We discovered that a large number of our clients get their defaults removed in the initial investigation stage

because by now most creditors know about MyCRA Lawyers long-standing reputation to keep working until the default is removed,

and because there is every chance we have successfully beaten your creditor many times by now, they will often make a commercial decision to remove the default sooner than later

because they know when you choose MyCRA Lawyers to represent you,

you’ll probably be successful anyway, and it makes no sense for them to waste money fighting a fight they will most likely lose anyway.

So in Stage One: (Other clients are normally billed over $2000 for this first stage)

You will get started TODAY by getting your verbal agreement to save you valuable time to ensure you don’t miss out on this amazing saving
We will open your file
We will Conduct a full and in-depth review of your credit files from at least two Credit Reporting Bodies (we can get the credit files if you don’t have them already)
We will ensure your safety and draft a full client agreement and disclosure notice specific to you and your matter and email it out to you for your records
You will answer a few questions to give your dedicated Lawyer as much information as you can remember
We will research the specifics of your creditor
We will compile the years of historical knowledge about your creditor from all previous cases against your creditor (our previous clients and court cases)
We will Draft the initial contact letter to your creditor (awaiting the return of your signed authority by email) to include the relevant information that will best help have your default removed in the shortest possible time
We will send your initial contact letter to your creditor after it has been reviewed by our Senior Partner Mr Patrick Earl (Most Senior and Most Respected Lawyer in our Firm) as a final quality assurance check.
We will chase and follow up your creditor for a default removal resolution
We will keep you informed every step of the way for your peace of mind

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have a look at a few previous success stories (Case Studies)
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So, if you can see the value of getting started now, please stop what you are doing, pick up your mobile right now and press 1300 667 218 right now to speak to one of my team, or leave a message to have one of my team call you back (in the order the calls are received so get in fast) and remember, if the lines are busy, please keep trying and call back on 1300 667 218 now.

Welcome to 2019!

Graham

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More about Graham Doessel

Proudly Supporting
The Sanity Space
Foundation

National Sponsor of
The Small Business
Association Of
Australia

Armstrong Doessel Stevenson
LAWYERS
Family Law
Commercial Litigation
Debt Collection

DOWNLOAD Our
Family Law FIVE
Brochure

I’m Graham Doessel, the Founder and CEO of MyCRA Specialist Credit Repair Lawyers.

I’m a Dad, Grandad, Husband and a Small Business Owner.

For years I’ve struggled with the balance between sharing personal info about me, and being the ‘Professional Business Owner’.

Then I discovered a simple truth, an a-ha moment that has just today made me realise that I need to share more with you than I ever have before, so here we go, first…

BUSINESS

MyCRA Lawyers is more expensive; but
You get a certified Practicing Lawyer removing your default when you choose MyCRA Lawyers; and
Most defaults are removed in 30 days or less; with almost a 1/3 getting their removal resolution in just 7 days or less

(If you act now, you might qualify to engage the Best for less than you pay an unlicensed credit repair agency)

(So, do your research, check out the unlicensed credit repair agencies and their outlandish and unsubstantiated claims [they’re popping up everywhere like weeds in the garden], and then do what most people do, and choose the safe [and legal] path and ask MyCRA Lawyers to consider removing your default for you)

Call 1300 667 218 right now; and
Get started from as little as $1497 today; and
You could have clean credit before you know it!

PERSONAL

I find it hard to talk about myself
I hide away from people and I set up my office in the storeroom
My Wife Helen keeps me sane, and giving my kids Steph, Cory and Joel better opportunities than I had are why I work such crazy long hours
I am a cancĕr survivor (9 years now)
I am FBAA’s Vice President for QLD and NT
I am a JP Qualified
I am a Law Student
I was Scared Sh*tless when Steph (my Daughter) said I was going to be a Grandad – And I resisted because I saw Grandparents as OLD, and I was in my 40’s
I was a Mortgage Broker from 1997 to 2010
I closed it [mortgage now] down after being diagnosed with (and beating) cancĕr
I reregistered as a broker in 2016 so I could keep my CPD up so I better understand what my referring brokers are going through and help them with non-conforming scenarios.
I don’t know what else to write about…

*************************************
have a look at a few previous
success stories (Case Studies)
*************************************

Call my team on 1300 667 218 today, you’ll be glad you did!* The up to 58.6% saving is the difference between 15 hours at our Solicitors Standard Hourly Rate and MyCRA lawyers Unique fixed fee credit repair option calculation that you may qualify for if you complete the form.

With warm regards,
MyCRA Lawyers

Graham Doessel
Chief Executive Officer
Legal Practice Holdings

Tel: 1300 667 218

You are subscribed as lawyers@mycralawyers.com.au email address. MyCRA Lawyers Credit Reporting services are relevant to you as a potential a) client having enquired about our services, b) mortgage or finance broker. Your details were sourced from your records on our database and given your role within the organization, and the service we provide is relevant to you or your business, and that if your email address used here is publicly listed and available, and there is no accompanying message requesting the email address not be used, this email is not spam. For more information, please see the Spam Act 2003 (Cth) Schedule 2 – Consent s4 When consent may be inferred from the publication of an electronic address. | To unsubscribe, click the link

Legal Practice Holdings Pty Ltd ta MyCRA Lawyers – 246 – 256 Stafford Road, Stafford, Qld.4053 | Tel: 1300 667 218

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06/03/2019

Sally’s Story – How Can A Genuine Default Get Removed? – Did You Know Series 104

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I was asked a question in a Closed Facebook Group this morning asking,

How Can A Genuine Default Get Removed?

and when I tried to answer the question, my post kept crashing my browser, so I decided to post it here and share the link instead.

Fiona’s [actual] Question:

“How does it [a default] get removed from the credit file if it was a genuine default and not fraud? I understand if it is an error etc.”

Here’s the answer I tried to post but the browser kept crashing, I guess the post was too detailed.

Hi Fiona,
That’s a great question and the answer is really quite straight forward

As you know the legislation protecting consumers is very tight, especially around finances and privacy.

If the Credit Provider (CP) hasn’t afforded the consumer all of her legal consumer rights as required Prior to listing the default, then quite simply the default has probably been placed unlawfully and will require immediate removal.

Example:

Sally has a good job, plenty of surplus income (serviceability), the loan is not unsuitable, all the I’s and T’s are in the right places… She is given a loan and all is going well.

She gets a pay rise and life is sweet so sally and her husband decide the time is right to have a baby.

A little time passes and Sally get’s pregnant and starts to feel a little unwell, but she’s a power-player and she’ll soldier on!

The doctor tells Sally that she has complications and needs to take some ‘me time’, so Sally organises with her employer to work part-time (reduced hours). She’s fine as even at part-time, she is still making more money than when she took out the loan.

CRASH, BANG, BIFF, BOP

The Sky starts to fall.

That afternoon, Sally’s husband comes home in an absolute state. He is near breaking point, close to tears, in fact when she looks into his eyes, she can see he is breaking inside…

Sally: “What’s wrong honey?”
Hubby: (minor player, doesn’t deserve a name) “I’m so sorry babe, I just lost my job. I know the timing is really bad, I’ll get another one straight away, I promise, you know I will…”

Unfortunately, the Royal Commission (RC) has just landed and not only did the impact of the #RC cause Hubby to lose his job (retrenched – but no payout as it was a new job), but his industry is tightening it’s belt for the unknown, for what Might still happen…

Hubby can’t find a job in his industry.

He does take on low paid work to make sure there is money coming in, but things are now REALLY TIGHT!

Sally’s complications mean she can do less and less work.
Reserves are almost gone and the baby is due.

Sally goes on Maternity leave and her income is reduced even further.

Sally realised they were in serious trouble so she contacts her CP to see if they can do anything to help. She explains her dire situation and asks about reduced payments, a payment holiday and for advice on other options that may be open to her. She’s not even sure if she can make the next payment.

The credit provider is nice on the phone and reassures her that if things worse to call back up and they’ll see what they can do.

Sally feels a little deflated but the girl on the phone was nice and seemed to understand.

Complications…

Sally has the baby that same week and there are some complications (The baby is OKAY!). The complications mean that Sally is in a hospital for an additional 10 days.

Hubby was by her side the whole time so no income from him at all.

The next loan payment is missed completely, partly because they were focused on more important matters Sally and the new bub), and had they realised it was due, probably didn’t have the money anyway.

Out of hospital and back at home, six weeks down the track and Sally is doing well and Bubby is growing, is happy, the perfect baby…

Hubby has a new full time job in a new industry at a starting salary. (At least it’s a start)

It’s now that Sally gets a phone call form the CP saying she’s missed two payments.

Sally says that’s impossible. They know they missed one payment but they have been making part payments and there is now a direct credit (auto transfer set up in internet banking) to cover this and future payments.

The CP is very firm that the payment was due two weeks ago and didn’t happen.

Sally jumps on to internet banking to have a look…
“bloody slow internet….

aah finally…
looking through transactions…
baby stuff,
more baby stuff
Doctor’s visits,
There it is, hmmm… nope, that’s just one of the part payments…”

“What date was it due?”

Sally looks through and realises that because of a direct debit payment that came out the day before, there wasn’t quite enough to cover the scheduled transfer.
Nope, the payment wasn’t made.
The part payments have only caught up less than half of the first payment, and now she’s missed another one.

As the tears well up in Sally’s eyes, her bub starts to cry. Sally has to rush the call and finally has to say she’ll speak to her husband, just to get the CP of the phone so she can attend to her crying baby.

Still making part payments, she and Hubby are trying, desperately trying to make ends meet. Times are really tough.

They keep struggling through for the next four months, never quite catching up.

Then Sally goes back to work full time.

She’s not sure how she’ll go leaving Bubby but they NEED the money…

Her income is restored and they can finally get back on top of their bills.

Hubby is recognised in his new role, finishes probation and gets a small promotion, only about $5k per year, but hey, that’s $100 per week or so. BIG Help!

Another six months go by. Now Sally and Hubby decide to get a new car.
They are both in stable employment, Sally is the main income earner, easily service the new loan, all the hard times are behind them.

They go car shopping.

Aah, the perfect car, We’ll Take It! (Someone needs to teach Sally how to haggle).

They do finance at the dealership as they are the perfect car buyer.

DECLINED!

“Why declined?” Sally demands!

“You have a default from 10 months ago with (CP).” explains the F&I guy.

“A default, but we caught that up.” she says.
Sally has a look at the credit file the F&I guy pulled after the finance was declined and yep, there it was…

Sally explains her situation with the finance dude.

The F&I guy suggests they talk to MyCRA (Specialist Credit Repair) Lawyers.

13 days later the MyCRA Lawyers receives confirmation the default is scheduled for removal.

So, How Can A Genuine Default Get Removed?

There are so many reasons to call this a genuine default.

The loan was correctly set up in the first place.

The client knew her obligations

The lender called the client to chase payment etc.

She knew she was behind

She never disputed the loan

She never paid it on time and was more than 60 days behind when the default was placed.

This sounds like a genuine default…

BUT

There are so many errors I can see (since I created them based on a typical situation) here’s just a few…

Sally called her CP originally to seek help when she knew she was going to be in trouble.

The CP was required to provide assistance or tell her in writing within 21 days in writing why hardship was refused.

That alone is probably enough to get the default removed.

Hardship was also flagged when Sally started to make part payments, but there was no enquiry from the CP as to hardship

When the CP called up, clearly Sally was in hardship, no enquiry was made or offers/options presented by the CP.

Upon investigation, it was determined that Sally wasn’t sent the correct (or any) default notices (there is a specific set of documents that need to be sent to alert the consumer that a default is pending, and what needs to be done to remedy the breach and avoid a default).

This default would be removed in this case and in many cases, we find up to 14 individual breaches of the individual’s rights.

Imagine if Sally had been offered hardship.

She could have had a payment holiday for a short time (3 to 6 months), and possibly reduced payments until she returned to full-time work. That alone would have avoided the default.

We find two common situations:

If the CP had done what the CP is legally required to do before defaulting then it is highly unlikely that most defaults would be there.

If the client was aware of the gravity of the situation (by being sent the appropriate notices etc) , most would have taken a different path and found a way to avoid the default.

Understanding the legislation to the level that we do at MyCRA Lawyers is the reason we get virtually all defaults removed and your client gets a second chance.

We stand up for your client’s rights, and that’s How Can A ‘Genuine’ Default Gets Removed!

I know this was a little longer than initially intended and I hope it paints a clearer picture for you and your clients.

Please call my team and I on 1300 667 218 for a free consult about your client’s situation

Graham.

P.S. Here’s a link to our default removal matrix

Credit Repair Enquiry, Default, Judgment and Part IX Debt Agreement Removal Matrix – Did You Know Series 100

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28/02/2019

How To Understand Your Equifax Repayment History Information (RHI) – Did You Know Series 102

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Welcome to “How To Understand Your Equifax Repayment History Information“

in the MyCRA (Specialist Credit Repair) Lawyers “Did You Know” Series.

This series of Hints, Tips, and (Legislation) Snippets will Reveal The Truth behind Credit Reporting Legislation, Privacy Legislation and Credit Repair.

You will discover:

ways you can help your clients (without the need to engage us)
ways clients can help themselves
Pitfalls to avoid

Tip 102 (Credit Reporting Bodies)

They say knowledge is power but I believe the true power is in applying that knowledge.

How To Understand Your Equifax Repayment History Information (RHI) in 2019

Quick Background (condensed)

March 2014 saw the introduction of Repayment History Information (RHI) within the Privacy Act (1988)
Information to be recorded when you pay your bills more than 14 days late
July 2018 saw legislation to force Licensed Credit Providers (LCP) to supply RHI

Proposed Purpose

Offer greater transparency as to the creditworthiness of individuals
Reduce LCP [new client] risk by identifying consistent slow payers
Offer lower rates and better terms to individuals that pay on time
A slight reduction in credit score

Anecdotal Result (to date)

Inconsistent information being provided by LCP to Equifax (and others)
RHI alone being the cause of Home Loan / Finance declines
Significant reduction in credit scores
Confusion over how to understand the RHI tables

I have included a table below (which is a slightly modified version and a combination of data published by Equifax and others), explaining how to understand your Equifax Repayment History Information (RHI) in 2019.

Please comment below if you have additional information about RHI that you think will help.

What Now?

If your Credit Rating is polluted with black marks, and if those black marks (Judgments, Defaults, Enquiries) are the reason you can’t get finance, and if your life would be easier (and better) with a clean, sparkling, and shiny credit file you can be proud of, then you deserve a second chance, don’t you?

If you do deserve a second chance, call MyCRA Lawyers now on 1300 667 218
(Mention this particular post for a Free Initial Consultation (Valued at up to $440) with our Specialist Credit Repair Lawyers or their assistants.)

Click HERE or more in this “Did You Know” series

Here’s a little more Info, Case Studies, and Reviews etc.

Click here to check out a few more reviews like…
[ Just in case the link above doesn’t work, copy and paste it into your browser
https://www.ekomi.co.uk/review-fc055e2cb9baab91cc850f5c7ae05c29.html ]

and check out our Google Reviews

Actual Credit Repair Case Studies

Have a look at a few previous success stories (Case Studies), and once you’ve made the decision to call us now on 1300 667 218,

we’ll step you through our unique systems and processes (all designed to make it stress-free and easy for you), so you can get started today too…

*************************************

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27/02/2019

When Credit Is Refused – (legislation) – Did You Know Series 101

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Welcome to “When Credit Is Refused”

in the MyCRA (Specialist Credit Repair) Lawyers “Did You Know” Series.

This series of Hints, Tips, and (Legislation) Snippets will Reveal The Truth behind Credit Reporting Legislation, Privacy Legislation and Credit Repair.

You will discover:

ways you can help your clients (without the need to engage us)
ways clients can help themselves
Pitfalls to avoid

Tip 101 (Legislation)

When Credit Is Refused

“Where a Credit provider (CP) obtains credit reporting information about an individual from a Credit Reporting Body (CRB) and, within 90 days of obtaining that information, the CP refuses a consumer credit application made by the individual, whether alone or jointly with other applicants, the CP must provide a written notice of refusal that:”

(a) meets the requirements of Section 21P(2);

(b) explains the individual’s right to access their credit reporting information without charge during the 90 days following the date of the CP’s notice of refusal and how to request the relevant CRBs to provide access to that information;

(c) is to the effect that it is important for individuals to be proactive in checking the accuracy of the credit reporting information that CRBs hold about them;

(d) states that the CP relies upon information from a number of sources when deciding whether to refuse consumer credit including information provided by the individual to the CP and credit reporting information disclosed to the CP by CRBs;

(e) provides information about factors that are often taken into account when refusing credit: these may include:

(i) the adequacy of the applicant’s level of income and other resources to meet repayments of credit;
(ii) the extent of the applicant’s indebtedness and other commitments;
(iii) the security of the applicant’s employment;
(iv) the applicant’s credit history including previous bankruptcy, defaults, serious credit infringements, high number of credit applications and unsatisfactory repayment history; and

(f) refers to the CP’s credit eligibility information access and correction processes and its complaints process.

The written notice must be given to the individual either at the time the CP notifies the individual of the refusal decision or within 10 business days of that date”

If your Credit Rating is polluted with black marks, and if those black marks (Judgments, Defaults, Enquiries) are the reason you can’t get finance, and if your life would be easier (and better) with a clean, sparkling, and shiny credit file you can be proud of, then you deserve a second chance, don’t you?

If you do deserve a second chance, call MyCRA Lawyers now on 1300 667 218
(Mention this particular post for a Free Initial Consultation (Valued at up to $440) with our Specialist Credit Repair Lawyers or their assistants.)

Click HERE or more in this “Did You Know” series

Here’s a little more info, case studies, and reviews etc.

Click here to check out a few more reviews like…
[ Just in case the link above doesn’t work, copy and paste it into your browser
https://www.ekomi.co.uk/review-fc055e2cb9baab91cc850f5c7ae05c29.html ]

and check out our Google Reviews

Worth every cent! Friendly and experts in their field. Again many thanks for your work and the achieved results!!

5 / 5

*** was incredibly helpful with his knowledge and information about credit repair and would highly recommend his work.

5 / 5

Informed every step of the way. Excellent result and super after care service

5 / 5

*************************************
have a look at a few previous success stories (Case Studies)

and once you’ve made the decision to call us now on 1300 667 218,

we’ll step you through our unique systems and processes

(all designed to make it stress-free and easy for you), so you too can get started today

*************************************

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26/02/2019

Credit Repair Enquiry, Default, Judgment and Part IX Debt Agreement Removal Matrix – Did You Know Series 100

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This Credit Repair “Chances Of Bad Credit Removal Matrix” is a point-in-time snapshot and will be updated from time to time.

[UPDATED 31/03/2021]

Please click HERE to open the PDF Version of the Matrix which you can save on your device for future reference. Just remember to come back from time to time to get the latest version with updated removal times, requirements and success rates.

Please call our offices on 1300 667 218 or fill in the form below to have us call you back at a time convenient to you.

[contact-form-7 id=”15302″ title=”Online Application-2018″]

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23/01/2019

CASE STUDY – REMOVAL – Garrie, from Western Australia, had a GDK Electrical judgment removed

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Bad Credit Rating Removal Case Study

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Client Profile:

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Name:	Garrie*
State:	WA
Sex:	Male
Age:	60
Married/Single:	Married
Listing Type:	Judgment
Original Creditor:	GDK Electrical
Current Creditor:	–
Paid / Unpaid:	Unpaid
Listing Amount:	$103,800
Commenced work:	28/02/2018
Default Resolution:	21/02/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” stretch=”” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Garrie has listings on his credit file. The listings are not his debts as these debts actually belong to GDK Electrical Services as he was employed by them and the judgment and summons from them were dismissed by the Supreme Court.

What were any challenges with the creditor?
The creditor communicated with MyCRA Lawyers in a timely fashion

Why was the listing removed?
Garrie had already provided signed Consent Order so written consent of Plaintiff was not required.

Summary:
Garrie engaged MyCRA Lawyers to investigate the likelihood of removal of listings on his credit file. These debts actually belong to GDK Electrical Services as he was employed by them. MyCRA Lawyers negotiated the successful removal of his judgment listing and Garrie* is now a step closer to achieving a finance approval. Congratulations Garrie and good luck!

Garrie* name has been changed to protect privacy

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

25/12/2018

CASE STUDY – REMOVAL – Jemma, from the northern Territory, had a Telstra/Credit Corp default removed in 63 days

[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”2″ padding_bottom=”5″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text]

Bad Credit Rating Removal Case Study

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Client Profile:

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

Name:	Jemma*
State:	NT
Sex:	Female
Age:	36
Married/Single:	Single
Listing Type:	Default
Original Creditor:	Telstra
Current Creditor:	Credit Corp
Paid / Unpaid:	Paid
Listing Amount:	$1820
Commenced work:	17/11/2017
Default Resolution:	19/01/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” stretch=”” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

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Credit Repair Background:
Jemma advised Telstra of remote access use on her phone and gave them an ACORN reference number to load on to account. She advised Telstra that she wanted it investigated before she paid the bill. Telstra gave her no assistance or direction on what to do when she went in the store. Jemma also had been in hardship as she had to quit her full time job in 2015 to care full time for her mother. She was on the careers payment with no savings.

What were any challenges with the creditor?
The ombudsman took awhile to respond to our complaint sent as they were experiencing high volume of complaints.

Why was the listing removed?
MyCRA Lawyers lodged a complaint with OAIC based on breach of section 21E of the privacy act and APP 12. Credit Corp agreed to remove the default listing if Jemma agreed to withdraw her OAIC and CIO complaint. Jemma accepted this resolution.

Summary:
Jemma was referred to our Law Firm by her mortgage broker. Jemma engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time Jemma’s mother had cancer and passed away last year. Jemma only discovered the bad credit default listing when she applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 63 days. Jemma* can now achieve finance approval. Congratulations Jemma and good luck!

Jemma’s* name has been changed to protect privacy

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

26/11/2018

CASE STUDY – REMOVAL – Phenia, from New South Wales, had a Credit Corp enquiry removed in JUST 11 DAYS!

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Bad Credit Rating Removal Case Study

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Client Profile:

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Name:	Phenia*
State:	NSW
Sex:	Female
Age:	26
Married/Single:	Single
Listing Type:	Enquiry
Original Creditor:	Credit Corp
Current Creditor:	–
Paid / Unpaid:	Unpaid
Listing Amount:	$5000
Commenced work:	01/03/2018
Default Resolution:	12/03/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” stretch=”” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Phenia has 8 enquiry listings on her credit report. She has no knowledge of why the Credit Corp enquiry listing is there.

What were any challenges with the creditor?
The creditor responded to our Law Firm requests in a timely manner.

Why was the listing removed?
MyCRA Lawyers sent an initial request letter to Credit Corp and upon further review, they have agreed to remove the enquiry.

Summary:
Phenia engaged MyCRA Lawyers to investigate the likelihood of removal of 8 enquiry listings on her credit file. Phenia had no knowledge of how the Credit Corp enquiry listing came about. MyCRA Lawyers negotiated the successful removal of her enquiry listing in just 11 days. Phenia* is now a step closer to achieving a finance approval. Congratulations Phenia and good luck!

Phenia’s* name has been changed to protect privacy

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

26/11/2018

CASE STUDY – REMOVAL – Nicholas, from Victoria, had an Origin Energy/Panthera Finance default removed in 58 days

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Bad Credit Rating Removal Case Study

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Client Profile:

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Name:	Nicholas*
State:	VIC
Sex:	Male
Age:	26
Married/Single:	Married
Listing Type:	Default
Original Creditor:	Origin Energy
Current Creditor:	Panthera Finance
Paid / Unpaid:	Paid
Listing Amount:	$692
Commenced work:	05/02/2018
Default Resolution:	04/04/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” stretch=”” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_text]

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Nick wanted to purchase another house however he had 3 default listings on his credit file. Nick had an Origin default that was on-sold to Panthera. Nick was unsure of the circumstances that led to the default.

What were any challenges with the creditor?
Panthera Finance refused to remove the listing at the time of the investigation.

Why was the listing removed?
MyCRA Lawyers drafted a correction request based on incorrect last known address and unreasonable attempts to notify client of debt. Panthera rejected these arguments but agreed to remove default on a good faith basis.

Summary:
Nicholas was referred to MyCRA Lawyers by his mortgage broker and he engaged MyCRA Lawyers to investigate the likelihood of removal of 3 default listings on his credit file. Nicholas only discovered the bad credit default listings when he applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 58 days. Nicholas* is now a step closer to achieving a finance approval. Congratulations Nicholas and good luck!

Nicholas’* name has been changed to protect privacy

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

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” type=”3d” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

26/11/2018

CASE STUDY – REMOVAL – Madeleine, from the ACT, had an ActewAGL default removed in JUST 8 DAYS!

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Bad Credit Rating Removal Case Study

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Client Profile:

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Name:	Madeleine*
State:	ACT
Sex:	Female
Age:	27
Married/Single:	Single
Listing Type:	Default
Original Creditor:	ActewAGL
Current Creditor:	–
Paid / Unpaid:	Paid
Listing Amount:	$1435
Commenced work:	27/03/2018
Default Resolution:	04/04/2018

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Credit Repair Background:
Madeleine lived in the ACT in a share house with a number of tenants. Madeleine was a full time student at University. The bills were in her name as it seemed easier than putting all the tenants’ names on the bill and she was the tenant who organized payment of the bills. She moved out of the apartment in late September 2014 and informed ActewAGL of her change of address and requested they close the account. She never received any correspondence from ActewAGL or the debt collection company they subsequently hired. Madeleine had no knowledge of the debt and she was never given the opportunity to pay the debt before it was listed as a default.

What were any challenges with the creditor?
The creditor responded to our Law Firm requests in a timely manner.

Why was the listing removed?
ActewAGL agreed to remove the default as the 21D notice was issued 29 days after the 6Q notice was issued.

Summary:
Madeleine engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time she moved house and she never received correspondence from ActewAGL. Madeleine only discovered the bad credit default listing when she applied for a home loan and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in just 8 days. Madeleine* can now confidently apply for home loan. Congratulations Madeleine and good luck!

Madeleine’s* name has been changed to protect privacy

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

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26/11/2018

Tag: credit repair

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

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

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

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

Or find out more about what’s involved in disputing bad credit…

How Does Credit Repair Really Work?

How Can A Genuine Default Get Removed?

Fiona’s [actual] Question:

“How does it [a default] get removed from the credit file if it was a genuine default and not fraud? I understand if it is an error etc.”

Example:

CRASH, BANG, BIFF, BOP

Complications…

“What date was it due?”

Then Sally goes back to work full time.

DECLINED!

13 days later the MyCRA Lawyers receives confirmation the default is scheduled for removal.

So, How Can A Genuine Default Get Removed?

BUT

Imagine if Sally had been offered hardship.

We find two common situations:

We stand up for your client’s rights, and that’s How Can A ‘Genuine’ Default Gets Removed!

Welcome to “How To Understand Your Equifax Repayment History Information“

in the MyCRA (Specialist Credit Repair) Lawyers “Did You Know” Series.

Tip 102 (Credit Reporting Bodies)

How To Understand Your Equifax Repayment History Information (RHI) in 2019

Quick Background (condensed)

Proposed Purpose

Anecdotal Result (to date)

What Now?

Here’s a little more Info, Case Studies, and Reviews etc.

Actual Credit Repair Case Studies

Welcome to “When Credit Is Refused”

in the MyCRA (Specialist Credit Repair) Lawyers “Did You Know” Series.

Tip 101 (Legislation)

When Credit Is Refused

This Credit Repair “Chances Of Bad Credit Removal Matrix” is a point-in-time snapshot and will be updated from time to time.

[UPDATED 31/03/2021]

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

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

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

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

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