Tag: credit repairer

Australian PlayStation users given free identity theft protection for a year

Finally Sony has recognised the possible threat that was made to the personal information of its 1.5 million Australian PlayStation users. After one of the world’s biggest data breaches occurred on the PlayStation Network in April, Sony has come to the party with an offer of free identity protection for the year.

The Sydney Morning Herald reports about this in its story ‘Sony offers free ID theft protection to Aussies.’

The package includes “CyberAgent Internet Surveillance”, whereby CS Identity’s technology scours the internet for unauthorised use of your identity. The firm conducts 24/7 monitoring of criminal web pages, chat rooms, bulletin boards and file sharing sites to identify trading or selling of customers’ personal information.

Identity restoration is also included, which involves the firm helping customers restore their identity after becoming the victim of identity theft.
The data stolen during the breach includes names, gender, addresses, email addresses, birthdays and login passwords for Sony’s PlayStation Network and its Qriocity music streaming service.

All up 1,560,791 Australian accounts were affected – 280,000 of which had credit card details. This is a fraction of the 77 million total accounts exposed worldwide.

Security experts have warned that even without credit card details, hackers could use the other stolen details to construct highly targeted and believable attacks designed to steal more personal information and/or infect computers.

The SMH says the Australian Privacy Commissioner, Timothy Pilgrim, has been investigating the breach, and they say it is still ongoing. In May we blogged about Australia’s Privacy Laws, as they relate to data breaches.

The Government is set to introduce tougher Privacy Laws following this data breach. One of which will be mandatory notification laws, helping to protect Australians from identity theft following any future data breaches, and another which will allow victims of identity theft following a data breach to be able to obtain some kind of compensation for any loss they may receive.

The Sydney Morning Herald recently reported one in 10 Australians who use the internet have lost money to online identity fraud over the past year, according to VeriSign Authentification Services. We recently blogged that these fraud figures have doubled since 2007. The cost of this is estimated to be $1.286 billion during the past year.

But the real cost of identity theft comes when a person’s credit file is impaired. When identity theft affects people’s credit files there is no reimbursement for losing the money they could borrow. But victims often lose their dream home, can’t borrow for their business and can’t get the new car they wanted.

Often victims don’t know about the fraud until they apply for credit and are refused because they have a bad credit rating.

Image: Arvin Balaraman / FreeDigitalPhotos.net

25/08/2011
Tax file number fraud almost doubled since last year

MEDIA RELEASE

8 August 2011

Tax payers should be on the lookout for a scam designed to extract tax file numbers for the purpose of identity fraud, which could leave their bank accounts empty and their credit files ineffective for up to five years, a national credit repairer warns.

Director of MyCRA Credit Repairs, Graham Doessel says if people fall victim to this particular type of identity theft, they are at a high risk of having their credit file misused.

“A person’s tax file number is like the key to their credit file. If fraudsters are able to obtain this number, they have a crucial piece of information for building a duplicate identity in the victim’s name,” Mr Doessel says.

Mr Doessel says social networking sites like Facebook have made it easier for fraudsters to obtain the extra personal information a criminal could need for identity fraud.

“People post a whole host of information about themselves on sites like Facebook, MySpace and Twitter, but people need to think – what would a criminal do with this information? If fraudsters already have a person’s tax file number, a simple check on Facebook for a date of birth can give them the tools they need to request replacement copies of personal documents, and use those documents to take out credit – even mortgage homes in the victim’s name,” he says.

This comes as The Telegraph reported yesterday that the practice of stealing tax file numbers has almost doubled in the past year, from 12,669 to 31,200 from the previous year.

The number of complaints made to the Commonwealth Ombudsman about the Australia Tax Office also increased almost 40 per cent, largely because of the stolen TFNs.

It reported that techniques to steal someone’s TFN include bogus approaches by phone calls, emails, letters, websites and text messages. People who share the same name and birthday are also in the “at risk” category.

The Government issued an alert on its Stay Smart Online website following the 2010 financial year about bogus emails from the ATO specific to e-tax.

“New fraudulent emails are circulating which pretend to be from the Australian Tax Office. Using social engineering tricks the criminals behind these emails try to trick you into providing personal information as a pretext to receiving a tax refund. This personal information can be used by the criminals to steal your identity,” the alert says.

The Telegraph reported an ATO spokeswoman as saying stolen TFNs and identity theft was a big problem – the effects could last for years and were a nightmare to clean up.

“When an identity is stolen it can take a long time to put everything right,” she said. “A person can face financial problems if someone commits fraud or other crimes using your identity.

Other impacts may be experienced in getting a job, a bank loan or other credit, renting a house or a car, or applying for government services or benefits.”She said the ATO had established a “client identity support centre” to assist people whose identities were stolen.

Mr Doessel says identity fraud can often go undetected until the victim applies for credit and is refused.

“The fraudster could abuse someone’s good name all over town and it is not until the victim applies for credit and is refused, that they learn about the identity theft and subsequent fraud,” Mr Doessel says.

Any kind of credit account (from mortgages and credit cards through to mobile phone accounts) which remains unpaid past 60 days can be listed as a default by creditors on the victim’s credit rating, and those defaults remain there for 5 years.

Mr Doessel says the consequence of people having a black mark on their credit rating is generally an inability to obtain credit.

“Most of the major banks refuse credit to people who have defaults, or even too many credit enquiries, so it is really essential to keep a clean credit record,” he says.

By law in Australia, if a listing contains inconsistencies the credit file holder has the right to negotiate their amendment or removal.

“To clear their good name, the identity theft victim needs to prove to creditors they did not initiate the credit – which can be difficult. Not only are victims generally required to produce police reports, but large amounts of documentary evidence to substantiate to creditors the case of identity theft,” Mr Doessel says.

Contact www.mycra.com.au for more details on credit repair following identity theft.

/ENDS

Please contact:
Lisa Brewster – Media Relations Mob: 0450554 007 media@mycra.com.au

MyCRA Credit Repairs is Australia’s leader in credit rating repairs. We permanently remove defaults from credit files.

Links

http://www.dailytelegraph.com.au/news/sydney-nsw/big-new-crime-is-to-steal-you/story-fn7y9brv-1226109959920

http://www.ssoalertservice.net.au/view/8cba427852e2faa582ca0ed3391cfcd3

Image: nuttakit/ FreeDigitalPhotos.net

15/08/2011

Australians are reigning in their debts and focusing on home ownership

Recent information from the Australian Bureau of Statistics reveals that Australians are putting the focus back on to borrowing for home ownership. Figures show owner occupied housing has stabilised and slightly increased, but that people are borrowing less for other personal reasons and investing less.

Here are key figures from the ABS Lending Finance report from June.

JUNE KEY FIGURES

		May 2011	Jun 2011	May 2011 to Jun 2011
		$m	$m	% change

TREND ESTIMATES
	Housing finance for owner occupation(a)	13 752	13 882	0.9
	Personal finance	6 852	6 891	0.6
	Commercial finance	30 544	30 443	-0.3
	Lease finance	401	394	-1.7
SEASONALLY ADJUSTED ESTIMATES
	Housing finance for owner occupation(a)	14 131	14 127	0.0
	Personal finance	7 050	6 993	-0.8
	Commercial finance	31 984	29 897	-6.5
	Lease finance	403	374	-7.2

(a) Excludes alterations and additions

With personal finance declining, this may be a reflection that more people than ever are using credit wisely. Perhaps less people are caught in the cycle of borrowing too much for non-appreciating goods.

With the focus back on to owner-occupied housing – it will be beneficial for people to ensure their credit file accurately reflects their ability to repay debt. Especially considering lenders are still making it fairly tough for people to secure a loan.

If people have defaults, writs or Judgments on their credit file, generally they are denied access to a home loan in the current market, regardless of their savings record or wage. This can be devastating. Adverse listings remain on the credit file for 5 years – so something a person experienced 4 years ago can still have a major impact on them today.

Often people only find out about their bad credit rating when they have emotionally, legally and financially committed to a house contract. Typically all the approvals are set to go, and it is not until the credit check that it is revealed that their credit record contains defaults, meaning their home loan is declined.

If only they had known that under current legislation in Australia, they could conduct a FREE credit file check with each credit reporting agency once a year! They could have done this prior to looking for a home, and would have been alerted to the adverse listings, and been able to deal with any inconsistencies before the matter was urgent.

If people find listings on their credit file which are incorrect, contain errors within the listing, or are unjust and simply shouldn’t be there they do have the right to have them removed. The problem is this process can be time consuming – and borrowers can often lose the house they have under contract.

Many clients say “fixing my bad credit is the most difficult thing I have ever tried to do.” This is because the onus is on the credit file holder to prove the inaccuracy of the listing, and negotiate its removal. Many creditors saying that they will only mark the listing as paid and will not remove the default. But this is not enough to ensure finance approval in most cases.

But people should know, that with the right tools there is a good chance their credit file can be completely cleared.

So what can house hunters do to improve their chances of loan approval?

Apart from save like mad and have a good steady income…

(1) Obtain a copy of their credit file

(2) Check for any inaccuracies

(3) If there are errors, negotiate with creditors to remove the default/s, or contact a credit repair company for default removal

(4) Apply for a home loan with a clear credit rating and be provided the choice of a selection of home loans at the best interest rate on offer today.

Contact MyCRA Credit Repairs for information on credit repair.

Image: jscreationzs / FreeDigitalPhotos.net

11/08/2011

Ordinary Australians are most at risk of identity theft

A leading commentator on technology issues, Stilgherrian has warned readers of ABC’s opinion column ‘The Drum’ that the idea perpetuated by the media that identity theft is mostly a risk for governments and big business is masking the more significant occurences of identity theft to individuals in Australia and the world.

“Indeed, the stories that get reported are chosen precisely because they can provide simple narratives and archetypical characters with clear motives, not because they’re significant battles in the perpetual cops-versus-crims war for control of the internet,” he says.

Stilgherrian says the real truth of identity theft is that the typical victim is an ordinary person who has fallen prey to the vast criminal network which exists on the internet.

First, these crimes are committed on a vast scale. Criminal processes are orchestrated globally, automated, and supported by thousands of unwitting, disposable minions. If only a tiny percentage of people fall for scams, we’re still talking millions of dollars.

Second, the bad guys are good at this. Really good. Blaming the victims is inappropriate. “They had it coming to them”?Really?

Third, it all connects up. Fifty bucks went missing from your credit card precisely because the number had been stolen from a poorly-secured online store. The legitimate website popped up the message from the fake anti-virus product because it, too, was poorly secured and had been hacked automatically by software that probed a hundred thousand websites one night.

Or, in the case of identity theft, when someone takes out $50,000 of loans in your name? That happens through the gradual accumulation of personal data. Your name and email address from a list stolen from a hacked website, cross-matched with your street address from another, your date of birth from a third, and so on.

These databases can contain millions of people’s details. They’re traded in shady online markets where people buy the pieces missing from the databases they already have, merge them, refine them, mark ’em up and sell ’em on until eventually there’s enough to turn it all into a credit application. It’s then laundered though “money mules”, people recruited in the belief they’re making money at home with just a computer.

Stilgherrian’s commentary highlights the fact that identity theft can occur to anyone. We also want people to know these important points:

* Often, people don’t know identity theft has occurred to them, until they apply for credit and are refused.

* Often, a person’s credit file can end up with a long list of defaults put there by someone who has used the victim’s good name to obtain credit.

* Credit file defaults are debilitating – leaving people unable to obtain home loans, personal loans, even mobile phone plans during the term of the listing which is generally 5 years.

* Credit file damage due to identity theft can be very difficult to rectify. To clear their good name, the identity theft victim needs to prove to creditors they did not initiate the credit – which can be difficult. Not only are victims generally required to produce police reports, but large amounts of documentary evidence to substantiate to creditors the case of identity theft.

How to avoid identity theft

Public education can go a long way to lessening the instances of identity theft. The Government’s Stay Smart Online website recommends Australians follow these 8 top tips for increasing their resistance to identity fraud, and avoiding the loss to their bank balance and potentially their good name:

1. Install and renew your security software and set it to scan regularly.

2. Turn on automatic updates on all your software, including
your operating system and other applications.

3. Think carefully before you click on links or attachments, particularly in emails and on social networking sites.

4. Regularly adjust your privacy settings on social networking sites.

5. Report or talk to someone about anything online that makes you feel uncomfortable or threatened – download the government’s Cybersafety Help Button.

6. Stop and think before you post any photos or financial or personal information about yourself, your friends or family.

7. Use strong passwords and change them at least twice a year.

8. Talk within your family about good online safety.

Where to go for help following identity theft

Sometimes unravelling the tangled ‘web’ of online identity fraud for the purposes of negotiating with creditors to restore someone’s good name is a minefield that many individuals have neither the time nor the skill set for.

Credit repairers are more commonly involved in assisting people in cases of identity fraud due to a better knowledge of legislation and ability to work within it when negotiating with creditors over the victim’s financial future.

For more information contact MyCRA Credit Repairs or call tollfree 1300 667 218.

Image: Danilo Rizzuti / FreeDigitalPhotos.net

08/08/2011
Going guarantor: how to keep your credit rating safe

It is natural for family and close friends to want to help each other when they need it. For guarantors – they are often near to retirement, with perhaps only a small mortgage on their home. They have no other debts and a good credit rating.
This gives them the ability to help out often their children or other family members who seem to be struggling to get ahead – possibly unable to buy a home, purchase a car or enter into the business they have been hoping to secure.

It seems so easy just to sign off on that loan for their family, and see them get ahead in life right? Well this is not always the case.

In the past there have been clients who have gone guarantor for someone, only to find at some point they have not made repayments on the loan, leaving the guarantor responsible for the debt. Sometimes the guarantor is unaware the repayments are not being made. It is when they are refused credit themselves that they realise payments are late and their credit file has been tarnished.

– What is a guarantee?

When people seek approval for a loan, a lender can sometimes require a potential borrower to provide a guarantee if they feel there may be some doubt as to whether the loan will be repaid. This sometimes occurs when the potential borrower has no credit history, or a bad credit rating, or perhaps an inadequate savings record.

Often it is a family member, and generally a parent who is asked to guarantee the loan. The guarantor agrees to be responsible for repayments on the loan should the borrower fail to make them and this is including all interest, charges and fees that are due to the lender.

– What can go wrong?

Well a lot actually. Number one being the borrower fails to keep up with their repayments.

Repayments which are more than 60 days late are listed as defaults on people’s credit files. The default would be listed on both the borrower’s and the guarantor’s credit file. Once somebody has a bad credit rating, it can be very difficult to obtain further credit. Most of the major banks will reject loan applications when people have defaults on their credit file. It can be difficult to even obtain a mobile phone plan.

Worst case scenario if repayments are not made, is the bank begins to use the property the guarantor used as collateral, to recover lost debts. There is a danger the guarantor can lose their home. Those people who were so close to financial freedom are now facing debt, and a shaky retirement.

According to the Consumer Credit Legal Centre NSW, there are many negative aspects to making the decision to go guarantor:

REMEMBER: You do not get anything out of giving a guarantee!
You do not get:

•Any rights to any of the goods or property the borrower is purchasing with the loan;

•A positive credit record;

•It will not make it easier for you to get a loan for yourself;

•It will not necessarily make it easier for the borrower to get a loan in the future.

They suggest alternative ways to help out your children or family financially without having to guarantee a loan.

“If your child asks you to guarantee a car loan for example, consider some alternatives. Perhaps you could give them an interest free loan of a few thousand dollars as a deposit, or offer to match their savings if they wait a few months, or just talk them into a cheaper car. If the loan is for a family business, talk to your accountant. Is there another way of obtaining the required funds? If a guarantee is absolutely necessary, is there some way of minimising the amount of the guarantee and/or the risk that it will be called upon?” the Centre says.

– How to make an informed decision

In the case of buying property, going guarantor can make a huge difference to the family member’s financial future by allowing them to break into the housing market.

The most important question to ask is: Could we make the repayments on this loan should our family member be unable to?

The second step for potential guarantors to make could be to seek third party and or legal advice prior to any agreement being made. This is to be able to make that calculated risk – and yes it is a risk, with the help of someone who doesn’t have a vested interest in the outcome (like the borrower or lender).

The Sydney Morning Herald’s Personal Loans Smart Guide provides some other points to consider when making this decision:

•How much is being borrowed?

•How responsible is the borrower?

•How stable is their employment?

•Does the borrower have any other means of repaying the loan should he or she fall ill, be injured or become unemployed?

•Can I afford to repay the total sum of the loan?

Guarantors can insist borrowers have adequate insurance to cover anything that may go wrong during the term of the loan, such as life insurance and income protection insurance.

It is also important to be clear about the amount that will be guaranteed, and that there is an ending to the time period of the guarantee.

They should also ask that a copy of all bank statements be provided to them during the course of the guarantee.

It is true there are many cases of guarantors helping out family members successfully, with the whole event posing no danger to their own homes or to their credit rating. But in this instance, it is a case of, when in doubt – don’t.

– Does the borrower have a bad credit rating?

As an alternative to using a guarantor, the borrower could look at repairing their bad credit rating. The problem is, many people who attempt to have defaults removed are told by creditors they can have them marked as ‘paid’ but that listings never get removed.

But if the borrower has a bad credit rating due to listings which have errors, are unjust or simply should not be there, they do have right to have those inconsistencies removed. It may be worthwhile for people with a damaged credit file to seek the help of a credit repairer who can assess whether they are suitable for credit repair. The borrower could have their credit file defaults completely removed, and negotiate with creditors on their behalf. The success rate is generally higher, and it could mean the borrower is able to apply for a loan on their own terms, without the need for a guarantor.

For more information on credit repair, contact MyCRA Credit Repairs – www.mycra.com.au or phone toll-free 1300 667 218 to speak to a consultant.

Image: Ambro / FreeDigitalPhotos.net

Image: vichie81 / FreeDigitalPhotos.net

04/08/2011
Caught affluenza? How it can affect your credit rating health

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

The Wikipedia explanation of affluenza refers to it as “a painful, contagious, socially transmitted condition of overload, debt, anxiety and waste resulting from the dogged pursuit of more.”

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

Recently Fran Sidoti from SavingsGuide.com.au posted an interesting article about this topic titled Affluenza, And What It Might Mean For You. She says it starts by wanting a big house, and then all of those things that go in it, and with it – but that when we have everything, we are still not happy. She suggests we take a step back and employ old-fashioned values like “building a strong family, especially with an awareness of role models like grandparents who wouldn’t recognise affluenza if it bit them. A respect for hard work and the money it earns is crucial, as is emphasis on philanthropy and charity.”

Australians Clive Hamilton and Richard Denniss’ book, Affluenza: When Too Much is Never Enough, poses the question, “If the economy has been doing so well, why are we not becoming happier?”

Here is an excerpt from that book:

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

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

Affluenza pulls no punches, claiming our whole society is addicted to overconsumption. It tracks how much Australians overwork, the growing mountains of stuff we throw out, the drugs we take to ‘self-medicate’ and the real meaning of ‘choice’. Fortunately there is a cure. More and more Australians are deciding to ignore the advertisers, reduce their consumer spending and recapture their time for the things that really matter.”

How many of us know someone who has gotten really sick – so sick that they lose everything – the house, the car, the job. If they are lucky enough to survive it, they always seem to have this new-found view of money. They often make that life changing decision to cut back on all those material things. They say they appreciate that the real joy in this world comes from spending time with family and friends and also dedicating some time to themselves.

A new perspective on credit

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

How healthy are we looking?

It is perfectly okay to use credit, as long as we make it work for us. We should use it to enhance our lives so that we can spend time with the ones we love, or to really improve our quality of life.

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

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

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

A clean slate

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

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

The rest is up to us.

Visit MyCRA’s website www.mycra.com.au for more information on credit repair.

Image: Salvatore Vuono/ FreeDigitalPhotos.net

Image: photostock/FreeDigitalPhotos.net

07/07/2011
End of financial year best time to check our credit file

Media Release: The end of the financial year is an opportune time for people to check their credit rating and get it in order, according to a national credit repairer.

Director of MyCRA Credit Repairs, Graham Doessel says if people are reviewing their yearly phone records, bank statements, and credit card statements for tax time, it can be a good idea for them to request a credit report as well from credit reporting agencies,to cross-check any adverse listings which may have been placed on their credit file.

“The problem with credit reporting in Australia is that many people are unaware of how the system works, and what their rights are. It is important for people to know they can apply for a copy of their credit file for free every year and the end of financial year is a great time to do this, because people already have their paperwork out,” Mr Doessel says.

He says it is essential for people to know what is said about them on their credit report – as there is opportunity for errors to occur when creditors apply listings to credit files. Even if people believe they have a good payment history, their credit report may still contain errors.

“Many of my clients have impeccable repayment histories and would have never dreamed they would end up with a default. Let me tell you mistakes do often happen. Sometimes simple human error by the creditor leads to adverse listings put there incorrectly,” he says.

A small scale study conducted by the Australian Consumer Association (now Choice Magazine) in 2004, revealed a staggering 30% of credit files were likely to contain errors.

“In our view, there are serious, systematic flaws which are leaving an increasing number of Australian consumers vulnerable to defamation, mis-matching and harassment,” the report said.

A credit file exists for anyone who has ever been ‘credit active’ and is used by creditors to assess the risk and borrowing capacity of potential borrowers.

The most common type of adverse listing is a default. Defaults are put there by creditors when accounts have remained unpaid for more than 60 days.

Defaults remain on a person’s credit file for 5 years from the date of listing, and have the potential to severely impact a person’s ability to obtain credit.

“Currently, any default can be enough for an automatic decline with most of the major banks. Many lenders are even rejecting loans for excess enquiries such as two in thirty days or six within the year. Some people nmay even be unable to take out a mobile phone plan in their name if they have defaults on their credit file.”

“It also affects the type of home loan people may be eligible for, the interest rate they are offered and price of establishing the loan. The lending options become more expensive and limited” Mr Doessel says.

People can contact Veda Advantage, Dun and Bradstreet and Tasmanian Collection Services (if they live in Tasmanoia) to request their free report. A creditor may have listed defaults with one or all of these credit reporting agencies.

If people find errors, or feel a listing is unjust or shouldn’t be there, they do have the right to have incorrect information rectified.

Mr Doessel says if people are in a hurry or it seems too difficult, they can use a credit repairer who can work on their behalf.

“A credit repairer should be able to completely remove offending blemishes from someone’s credit file,” he says.

Contact www.mycra.com.au for more details on how to check and repair credit files.

/ENDS

Please contact

Lisa Brewster – Media Relations

Ph: 3124 7133 Mob: 0450 554 007 media@mycra.com.au

Image: Arvind Balaraman / FreeDigitalPhotos.net

30/06/2011