MyCRA Specialist Credit Repair Lawyers

Tag: credit score

  • Sunshine Loans vs ASIC

    Sunshine Loans vs ASIC

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    TL;DR Summary

    Sunshine Loans lost an appeal against ASIC in the Federal Court for charging customers an unlawful $35 “Amendment Fee.” The Court said Sunshine Loans shouldn’t have charged this fee because it wasn’t specifically tied to customers missing repayments. Thousands of customers may now be able to request a refund directly from Sunshine Loans, and affected customers could also seek credit repair if their credit rating was harmed by this issue.

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    Sunshine Loans vs ASIC: Everything You Need to Know (and How it Affects You)

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    On 24 March 2025, a major ruling was handed down by the Federal Court of Australia. The case was Sunshine Loans Pty Ltd v Australian Securities and Investments Commission [2025] FCAFC 34. This case has big implications for anyone who’s ever had a small loan with Sunshine Loans—or similar lenders—and been charged fees for changing repayment dates.

    Let’s break it down clearly, so you understand what happened, why it matters, and what steps you can take next.

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    The Background – What Started All This?

    Sunshine Loans is a company providing small loans—known as small amount credit contracts. Like many similar lenders, they often charged customers a $35 fee whenever a repayment schedule was amended or changed.

    ASIC, Australia’s main consumer protection regulator, argued this fee was unlawful under Australian credit laws because lenders are strictly limited in what fees they can charge.

    The issue in this case was specifically whether Sunshine Loans was allowed to charge these $35 “Amendment Fees” just because a customer wanted to change their repayment date, or whether fees like these were only permitted if a customer defaulted (missed a payment or breached the contract).

    What Did the Court Decide?

    The Federal Court (and later the Full Federal Court on appeal) ruled in favour of ASIC and against Sunshine Loans.

    Here’s why:

    1. When is a Fee Allowed?

    According to Australian law (National Consumer Credit Protection Act 2009 and National Credit Code), lenders can only charge certain fees clearly allowed by law. One allowed category is a fee charged if a borrower defaults—meaning they miss a payment or break their agreement.

    2. What Was Wrong with the Sunshine Loans Fee?

    Sunshine Loans claimed their $35 “Amendment Fee” was charged because customers were effectively in default—they argued that customers changed repayment dates because they couldn’t pay on time.

    However, the Court rejected this argument clearly and strongly. It said the law is clear: fees can only be charged specifically because of a default (like missed payments), not simply because customers want to reschedule payments.

    The Court clarified:
    Just being late, or changing repayment dates does NOT automatically mean the borrower defaulted.

    3. Why is This Important?

    This decision clearly defines the limits on lenders charging fees. It means lenders can’t disguise fees simply as “amendment” or “rescheduling” fees if they’re not clearly tied to actual defaults.

    Key Details from the Judgment

    • Sunshine Loans breached the law every time they entered into contracts that included the unlawful $35 Amendment Fee.

    • They unlawfully charged this fee over 12,000 times and actually collected payment from customers over 8,000 times.

    • Each of these fees represented a breach of the law.

    These breaches mean affected customers can potentially ask Sunshine Loans directly for refunds of these fees.

    What Does This Mean for Customers?

    If you had a loan with Sunshine Loans and were charged this Amendment Fee, you might be owed a refund.

    • You have the right to contact Sunshine Loans directly and ask them for a refund.

    • Even if you agreed to pay the fee at the time, the Court said clearly that if a fee is unlawful, your agreement does not make it legal. You can still seek a refund.

    • If this situation negatively affected your credit rating (for example, if the fee caused you financial difficulties or led to other problems on your credit file), you have options to fix your credit report.

    Your Next Steps

    If you think you were affected:

    1. Contact Sunshine Loans

    • Ask directly for a refund of the Amendment Fees charged to your account.

    • Quote the judgment: “SunshineLoans Pty Ltd v ASIC [2025] FCAFC 34”.

    2. Check your Credit File

    • If you’ve faced negative consequences like defaults or late payments on your credit file due to this issue, it’s important to review your credit file thoroughly.

    3. Seek Expert Credit Repair Help

    • At MyCRA Lawyers, we specialise in helping Australians remove unfair negative marks from their credit reports.

    • If you’ve faced credit issues due to unfair fees like these, contact MyCRA Lawyers. Our expert team can assess your case, explain your options clearly, and help protect your financial future.

    Final Thoughts – Why This Matters for All Australians

    This judgment reinforces strong consumer protection rules in Australian credit law. It sends a clear message to all lenders:

    • You must follow the rules clearly.

    • You cannot charge fees unless they’re directly tied to a default.

    • Customers deserve transparency and fairness in all lending agreements.

    By understanding decisions like these, you stay informed and empowered. Remember, if you’ve been affected, don’t hesitate to reach out for professional assistance.

    Need Help With Your Credit File?
    Contact MyCRA Lawyers now at 07 3124 7133. We’re here to educate, assist, and protect your credit health.

    Book your appointment now at https://mycralawyers.com.au/book-in

    Ref: SunshineLoans Pty Ltd v ASIC [2025] FCAFC 34

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  • Identity Theft in Australia in 2022 & 2023

    Identity Theft in Australia in 2022 & 2023

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    The Complete Guide to Identity Theft in Australia in 2022 & 2023

    Identity theft is a serious crime which affects millions of people all over the world. The damage caused by identity theft can be extensive and hard to repair. It is important to know what you can do to minimize the risks of having your identity stolen by following some simple tips while using your Social Media accounts.

    This article will tell you what you need to know about personal risks of identity theft and how you can minimize them by doing certain things online or offline.

    Introduction: What is Identity Theft?

    Identity theft in Australian in 2022 or 2023 is a crime where someone steals your personal information, like your name, address, Tax File number, or credit card numbers. Identity thieves steal this information to commit fraud or other crimes in your name.

    There are many different kinds of identity theft. One type is when a criminal uses your identity to open new credit cards or loans in your name. Another type is when someone uses the personal information you left at home to create a false identity and commit crimes under that new name.

    This section will provide an introduction for the reader on what identity theft is as well as how it affects people and what can be done to prevent it from happening.

    Identity theft is a crime in which an imposter obtains information about somebody else’s identity for the purposes of assuming that person’s identity.

    While it’s quite a common problem, there are many ways you can prevent this from happening. Keep your personal information secure and always be aware of possible threats to your identity.

    identity theft in australia call 1300 667 218 for legal assistance

    What are the Causes of Identity Theft?

    Australian Identity theft is one of the most common crimes in the world, with reported cases that range from 1 million to 50 million every year.

    Identity theft can be committed by a complete stranger, or someone who knows the victim very well. It can also happen while you are carrying out transactions online or when you are using an ATM. The information thieves need to commit identity fraud includes your name, your account numbers and your address details.

    Whether it’s a sudden theft or an organised crime, identity theft is dangerous. It can lead to financial losses and result in damaged credit.

    This type of AI-assisted fraud is becoming more and more common these days because of the rise of digital fraud in general, changes in legislation and the increased sophistication of computers that are able to execute such crimes remotely.

    How Do You Prevent Identity Theft?

    Identity theft is a crime that is committed when someone steals your identity and uses it to commit fraud. Identity theft can happen in many ways, but the most common way is when someone steals your personal information and uses it to impersonate you. In order to prevent identity theft, you should make sure that you keep your personal information safe and secure by following these steps:

    1.  Keep all of your personal information in one place. This includes birth certificates, Tax File Numbers, driver’s licenses, passports, bank account numbers, credit card numbers etc.
    2.  Don’t give out your Tax File Number or Drivers Licence Number unless absolutely necessary.
    3.  Keep all of your passwords secure by using different combinations of letters and numbers.
    4.  Never share any of your passwords online or on social media channels like Facebook or Twitter.
    5.  Always check the website URL before entering any sensitive information such as credit card number or login credentials (the URL should start with https).

    Identity theft is the unauthorized use of a person’s identity, usually in order to gain money. Regardless of the level of sophistication, identity theft can be prevented and the consequences minimized.

    There are many ways one can go about protecting their identity. One way is by shredding documents containing sensitive information like bank statements, credit card bills, etc. in order to prevent thieves from gaining access to personal information that could potentially lead to identify theft or other crimes.

    The best way to protect your identity is to take these simple steps:

    • Never send your credit card information over the Internet unless you are absolutely sure it is a secure site.

    • Keep all passwords secure and use different passwords for different accounts.

    • Always look at the URL of the web page before clicking on it.

    • shred all sensitive information to make it unreadable (cross cut shredder is best)

    Conclusion:

    If you’ve been the victim of Identity Theft or Identity Fraud, book in for a free Credit Repair Legal Assessment at https://mycralawyers.com.au/book-in or call 1300 667 218 to book in over the phone today.

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  • Free Credit Report Vs Paid

    Free Credit Report Vs Paid

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    Credit Files – Your Free Credit Report vs Paid – Which Is better For You? (and why…)

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    Your Free Credit File (or Credit Report) contains vital information about you – but what you get to see depends on if it’s a Paid Credit File or a Free Credit Report …

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    You probably know you are entitled to check your credit for free right?

    And you probably also know that recently, laws were changed meaning you can now check your credit for free every three months…

    BUT

    What you might not know, is that if you check your
    credit for free, that your report may not give you all
    the information you really need to see.

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”true” border_position=”all” first=”true”][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ title_link=”off” link_target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”left” size=”1″ text_shadow=”no” text_shadow_blur=”0″ gradient_font=”no” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ style_type=”default” animation_direction=”left” animation_speed=”0.3″]

    Let’s look at what you miss out on, and what you get

    [/fusion_title][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″][fusion_builder_row][fusion_builder_column type=”2_3″ layout=”2_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”false” border_position=”all” first=”true”][fusion_text hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]

    The biggest and most important piece of information missing from a free credit report is your Credit Score

    This IS BIG, because many lenders won’t lend to if your score is below a certain level, and it changes depending
    on the lender and your circumstances.

    The next problem is the potential wait time…
    legislation gives them up-to 10 days to provide  you with a copy of your credit report…

    BUT

    That is 10 days AFTER they feel comfortable with your identity being proven. We have seen it take over a month for a client to get his ‘free’ credit file because the
    Credit Reporting Body (CRB) kept coming back asking for more proof of his ID.

    This can happen if you have an unusual name, a very common name, are a new Australian, or for any number of reasons to hold up your application…

    MyCRA Lawyers can get you your paid credit file with your Equifax credit Score within one Business hour, either by you filling in a form, https://mycralawyers.com.au/wp-content/uploads/2021/07/credit-file-request-form-v6.pdf
    or – we can take your details over the phone – 1300 667 218

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”false” border_position=”all” first=”false”][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”true” border_position=”all” first=”false”][fusion_text hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]

    Ask Us How You Can Get Your Credit Default Removed From Just $97 Per Week – Conditions Apply

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″][fusion_builder_row][fusion_builder_column type=”1_3″ layout=”1_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”false” border_position=”all” first=”true”][fusion_imageframe image_id=”21493|full” custom_aspect_ratio=”100″ lightbox=”no” alt=”Equifax Free Credit Reports – Other Access” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” align_medium=”none” align_small=”none” align=”none” hover_type=”none” caption_style=”below” caption_align_medium=”none” caption_align_small=”none” caption_align=”center” caption_title=” File Access Information On A Free Equifax Credit Report” caption_title_tag=”2″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″]https://mycralawyers.com.au/wp-content/uploads/2022/05/other-access-equifax.jpg[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”true” border_position=”all” first=”false”][fusion_text hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″]

    There is a big positive for you personally if you get your free credit report or file, and that is the last section on your credit report, The ‘Other Access’ section.

    ONLY you get this section. If you ask a broker or lender to get you a copy of your report, their version won’t show the ‘Other Access’ section at all.

    So, Why is ‘Other Access’ important?
    Well, this shows you who is taking a sneaky little lookie lookie at your credit file, but not as a credit enquiry (which would be recorded in the ‘Enquiries’ section)

    Organisations having a sneak peak at your credit file often include Debt Collectors or more accurately, Debt Buyers.
    Companies like:

    • Credit Corp
    • Pioneer Credit
    • Baycorp
    • Lion Finance
    • Panthera Finance
    • Transaction Capital etc

    These Debt Buyers ‘buy’ your debt from Banks, credit card companies, phone and internet companies, energy companies, and so on…
    They then chase you for the full amount of the debt plus fees and interest if applicable.

    These Debt Buyers often check your credit file before they make contact with you because they are checking you out to understand your application pattern, your employment history, your assets, and your current address and address history.

    They want lots of info because they want to get paid…

    Often, a Debt Buyer will show up in your ‘other access’ before you even know you have missed a bill.

    Knowing this piece of vital information can help you avoid being defaulted by alerting you that you may have a problem (a missed bill) and allowing you to take positive steps to rectify the issue before your credit report and credit score are negatively tarnished.

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container type=”flex” hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” align_content=”stretch” flex_align_items=”flex-start” flex_justify_content=”flex-start” hundred_percent_height_center_content=”yes” equal_height_columns=”no” container_tag=”div” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_blend_mode=”none” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” absolute=”off” absolute_devices=”small,medium,large” sticky=”off” sticky_devices=”small-visibility,medium-visibility,large-visibility” sticky_transition_offset=”0″ scroll_offset=”0″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”false” border_position=”all” first=”true”][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”false” border_position=”all” first=”false”][fusion_title title_type=”text” rotation_effect=”bounceIn” display_time=”1200″ highlight_effect=”circle” loop_animation=”off” highlight_width=”9″ highlight_top_margin=”0″ title_link=”off” link_target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” content_align=”left” size=”1″ text_shadow=”no” text_shadow_blur=”0″ gradient_font=”no” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ style_type=”default” animation_direction=”left” animation_speed=”0.3″]

    My Recommendation Is:

    [/fusion_title][fusion_text hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” animation_direction=”left” animation_speed=”0.3″ animation_delay=”0″]

    If you are in a hurry to get a loan or fix your credit rating so you can get a loan – Do This Now:

    1. Complete the Credit File Request Consultation Form
      1. https://MyCRALawyers.com.au/cfrc
    2. If you already have your Illion and Equifax credit files, email them to us and
    3. call Suzie on 1300 667 218 to book an appointment.

    You might like to subscribe to our Tiktok and Youtube Channel for credit repair “How To” and “Explainer” Videos and check our Back Catalogue for more gold!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” target=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” order_medium=”0″ order_small=”0″ hover_type=”none” border_style=”solid” box_shadow=”no” box_shadow_blur=”0″ box_shadow_spread=”0″ background_type=”single” gradient_start_position=”0″ gradient_end_position=”100″ gradient_type=”linear” radial_direction=”center center” linear_angle=”180″ lazy_load=”avada” background_position=”left top” background_repeat=”no-repeat” background_blend_mode=”none” filter_type=”regular” filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″ animation_direction=”left” animation_speed=”0.3″ last=”true” border_position=”all” first=”false”][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

    Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

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    Banks Check Facebook To Stamp Out Liar Loans Catching Out Innocent Home Buyers In The Process

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    Liar Loans have been written about before, but did you know Banks are now trolling your Facebook and other Social Media spying on you without your consent?

    This release highlights how a harmless joke on Facebook cost a young lady her chance at home-ownership – and it could happen to you too…

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    They were dubbed liar loans, where loan applications inflated earnings and assets and underestimated debts and liabilities, for a large part, brokers copped the blame, but just as many borrowers fudged their figures too.

    A UBS study completed last year estimated up to a third of investment loans may have had less than honest declarations in the applications, this was despite the Royal Commission into Banking.

    But it seems now banks have wised up that not all loan applicants were being completely honest and lenders are going above and beyond to check you are being truthful on your loan application, according to leading consumer and financial law firm MyCRA Lawyers.

    “It’s a case of the banks are sick of being blamed for everything that is wrong in the lending world, so they are now going to the next level of due diligence. Banks are so strict in following procedure, they are catching out people who didn’t even realise they had lied,” MyCRA Lawyers CEO Graham Doessel said.

    Mortgage broker Wendy De Graaf says she recently had a client rejected for a loan after the lender checked the Facebook status of her flatmate that had, as a joke, put they were in a relationship together.

    “My client is genuinely single but her friend had on their Facebook status that they were partners and the bank saw this information and rejected the loan because it didn’t match what was on her application.

    “I was shocked when they told me the reason for the loan rejection, it’s meant my client has missed out on buying her first home, Ms DeGraaf said.

    “What’s even crazier is my client is a lesbian and her flatmate is male, but he did gift her some funds towards her deposit which is why the bank has looked at his social media as part of their investigation into approving the loan.

     “There may be a lot more people being rejected because of what is on their social media and they don’t know it, the only reason I found out is because I had known the business development manager at the bank for so long and they told me about the social media status issue,” Ms De Graaf said.

    Mr Doessel said your bank statements tell a story about you too, and if you don’t estimate your expenses correctly and the bank sees a different story in your expenditure, then you should expect to get rejected.

    “There have even been stories where, as a joke, people transfer money to a friend and describe the transaction as a ‘sexual service’ even though it was their half of a dinner bill and the bank has seen the transaction and viewed it poorly when it came to approving a loan,” Mr Doessel said.

    “Excessive use of food delivery services like Uber Eats, take away restaurants and online gambling will go against most people who apply for a loan.

    “While the Royal Commission may have seemed like a free for all kick at the bank, in reality, a lot of it reflected poorly on borrowers too. Now banks not only are cracking down on their own behaviour but also customers which means it’s getting tougher for all of us to get finance,” he said.

    So you can make sure you’re honest on your finance application, check you have clean credit by starting at www.FreeCreditRating.com.au – it’s free and knowing your data in advance could save you thousands in additional interest.  If you get stuck, MyCRA Lawyers also offers a free Credit File Analysis and Explanation Service to help you make sense of your credit reports.

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  • Credit Enquiries  – And How They Affect Your Credit Score

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    Credit Enquiries  – How They Affect Your Credit Score

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    (And How Just One Particular Credit Enquiry Can Be Very Bad News For Your Finance Application) 

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    By now, you might have heard that your credit application can be declined for a variety of reasons such as Insufficient income or assets, or excessive expenses, and debts.

    It’s also commonly known that defaults, court judgments, and court writs can also cause your loan application to be declined. But there’s another sinister demon lurking amongst your credit score – deeming you a high credit risk.

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    ENQUIRIES

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    The number (and type) of enquiries you’ve made is becoming more and more the sole reason why many loans are being declined by prudent lenders in the current tighter money environment. Many consumers are unaware of how quickly these can add up, what number is too many, and more importantly, what to do if you encounter this problem.

    Credit enquiries can add up very quickly.  Some of your ordinary actions may count as a credit enquiry, such as:

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    getting a new phone

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    upgrading your existing phone

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    getting the power or gas put on

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    signing up for Pay TV

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    making online credit card enquiries

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    making online personal loan applications

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    enquiring about ‘in store’ credit for a new TV, Washing Machine etc.

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    enquiring about ‘interest free’ credit instore or online

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    asking about a limit increase or balance transfer on your credit card.

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    Approved or Declined – It doesn’t matter… The enquiry is probably still recorded and held against you as a credit enquiry!

    It’s easier to see now, just how quickly an individual can rack up enquiries.

    Did you know that four credit enquiries in the last six months or just six credit enquiries in the past 12 months can deem you a ‘Bad Credit Risk’ to many lenders? So, just getting a new phone could be enough to ensure your next credit enquiry or loan application is declined.

     

    That’s right – If you shop around for the best deal, each phone company can check your credit file and each one adds another credit enquiry to your credit report.

     

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    If you’re applying for a mortgage, this can often result in more than one credit enquiry.

    One when the application was initially assessed by the bank or mortgage broker, and again when the loan is ready to be formally approved. In some instances, if the loan application process extends over a longer time, or the details on the application are changed or amended because your circumstances changed, or you found a different property, more enquiries could be added. We have seen as many as 9 credit enquiries from one mortgage application.

    Worse still, if you’ve made an enquiry for credit with a lender commonly referred to as a ‘Payday Lender’, you’re likely to be automatically declined and refused credit instantly from most mainstream lenders.

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    There Is Good News…

    MyCRA Lawyers often finds credit enquiries to be deemed ‘unreasonable’ or ‘unnecessary’ or ‘unsubstantiated’ and many of these credit enquiries can be removed. MyCRA [Credit Repair] Lawyers are widely known as the best of the best for all matters relating to credit reporting. This includes credit repair, credit score improvement, financial reputation restoration and the removal of black-marks, defaults, judgments, writs, clearouts and credit enquiries.

    Mr. Graham Doessel, Founder and Chief Executive Officer of MyCRA Lawyers says that “any credit-related listing which should not have been placed on an individual’s credit file can and should be removed, even as a matter of principle”. Graham says, “even though these may not affect you right now, they most definitely can and will affect you in the future.”

    If you suspect that you might be in danger of having either blemishes or too many credit enquiries on your credit report, contact MyCRA Lawyers today on 1300 667 218 to check your credit score and if necessary, take the most appropriate action to correct and restore your creditworthiness.

     

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    MyCRA lawyers has successfully removed defaults, credit enquiries, Judgments, writs, clearouts or other black marks from most creditors including, Optus, Telstra ANZ, Vodafone, NAB, Credit Corp, Lion Finance, Pioneer Credit, ACM Group, Flexirent, Bartercard, Westpac, CBA, Commonwealth Bank, Bank of Queensland, BoQ, WBC, St George, Panthera Finance, Citibank, Origin Energy, GE Capital, Latitude, Suncorp, State Mercantile, Axess Debt Management, Coogan Stores, AMEX, Elgas, Energy Australia, Integral Energy, Bankwest and so many more.

    And MyCRA Lawyers has helped clients from all over Australia including but not limited to Brisbane, Sydney, Melbourne, Canberra, Hobart, Adelaide, Perth, Darwin, Townsville, Mackay, Rockhampton, Gladstone, QLD, WA, NT, SA, VIC, TAS, ACT, NSW, Wagga, New castle, Bundaberg, Aberfeldie, Aberglasslyn, Alberton, Alexandria, Allingham, Allora, Araluen, Arundel, Ashmore, Aspley, Atwell, Australind, Aveley, Avondale Heights, Bakewell, Baldivis, Beckenham, Belair, Belfield, Bellbowrie, Benneets Springs, Berwick, Bexhill, Blackwater, Bohle Plains, Bolder Kalgoolie, Bondi Beach, Boondal, Boondall, Boronia Heights, Bowen Hills, Bracken Ridge, Bray Park, Brighton, Brinsmead, Brisbane, Broadbeach, Brooklyn Park, Brookvale, Brunswick East, Bunbury, Caboolture, Calamvale, Camp Hill, Carrara, Casey, Cashmere, Caulfield South, Chermside West, Chester Hill, Claremont, Clarkson, Clayton South, Cleveland, Clounes, Clyde North, Collaroy, Collingwood Park, COOLAROO, Coolum Beach, Craigieburn, Cranbourne East, Cranbourne West, Cremorne, Currajong, Dalby, Downer, Drewvale, Drouin, Dudley, Earlwood, East Bentleigh, East Cannington, Eight Mile Plains, Elderslie, Ellanora, Ellenbrook, Endeavour Hills, Epping, Epsom, Eschol Park, Evatt, Fassifern, Ferny Grove, Fishery Falls, Fitzgibbon, Five Dock, Flinders View, Forrestfield, Fortitude Valley, Fulham, Fullarton, Geebung, GEELONG, Gippsland, Girraween, Glen Waverly, Glenelg, Glengowrie, Glenhaven, Gold Coast, Golden Beach, Goonellabah, Gosnells, Grasmere, Greenvale, Gulgong, Halls Head, Hamilton South, Hampton Park, Happy Valley, Hassall Grove, Havelvean Road, Hawthorne, Hazelwood Park, Heathmont, Hemmant, Hillbank, Hope Island, Hove, Howrah, Ingle Farm, Ivanhoe, Jimboomba, Kalamunda, Kangaroo Point, Kearneys Spring, Kelmscott, Kenmore, Kensington Gardens, Kenwick, Kewarra Beach, Kingston, Koondoola, Labrador, Launceston, Jovermay, Launching Place, Lawnton, Leichart, Lennox Head, Little Bay, Littlehampton, Logan Reserve, Logan Village, Londonderry, Macgregor, Mackenzie, Maddington, Manly, Marshall, McGraths Hill, Meadow Heights, Melton, Menai, Merrimac, Middle Park, Millbridge, Moorebank, Mooroolbark, Mordialloc, Morphett Vale, Mosman, Mount Gravatt, Mount Nathan, Mount Waverley, Mountain View, Mt Alford, Mulgrave, Mulgrave, Murrumba Downs, Murwillumbah South, Mylor, Mysterton, Nahrunda, Narre Warren East, New Auckland, New Farm, Nickleham, Niddrie, Noble Park, Nollamara, North Lambton, North Mclean, North Paramatta, Oakleigh East, Ocean Grove, Old Beach, Ormea, Pacific Pines, Pallarenda, Palmerston, Parafield Gardens, Parkes, parkwood, Parramatta, Parrearra, Peppermint Grove, Pittsworth, Point Cook, Point Lonsdale, Prahan, Punchbowl, Quakers Hill, Quaker’s Hill, Ramsgate Beach, Ramwick, Rangeville, Redbank Plains, Redcliffe, Redland Bay, Regents Park, Rhodes, Richlands, Ringwood, Robina, Rochedale South, Rokeby, Ropes Crossing, Roseworthy, Rothwell, Rowville, Royal Park, Ruse, Safety Beach, Samford Valley, Sanctuary Cove, Scone, Seaholme, Seaview Downs, Seddon, Slacks Creek, South Tweed heads, South Yarra, Southport, Springbrook, Springfield Lakes, St George, St James, St Kilda East, Stafford, Stafford Heights, Success, Sunnybank, Sunshine West, Surfers Paradise, Syzehanar, Tallebudgera, Tambar Springs, Tarneit, Taylors Flat, Templestowe, Thornlands, Toowong, Torquay, Traralgon, Trigg, Trinity Park, Tuggerawong, Underwood, Upper Coomera, Upper Mt Gravatt, Varsity Lakes, Victoria Point, Wacol, Wallen, Warragamba, Warrawong, Warriewood, West Sunshine, Westmead, Whale Beach, Whittington, Wiangaree, Wickham, Willaston, Willetton, Wilson, Wishart, Wombarra, Woronora Heights, Wyoming, Yanco, and so many more…

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  • Three Ways To Improve & Increase Your Credit Score

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    Three Ways To Improve & Increase Your Credit Score

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    1. Avoid Making Credit Enquiries:
      1. Making just four credit enquiries in the last six months (or six in the past 12 months) can result in an immediate and automatic decline for any further credit.
    2. Pay Your Bills On Time:
      1. Paying your payments late (but not so late as to be DEFAULTED) can impact heavily on your credit score.  You may have a clean credit rating but a terrible credit score because you routinely pay your bills late.
    3. Avoid Changes Of Address:
      1. Every time you change your address, that change of address can be recorded on your credit file for five years.  The more you change your address, the more unstable you may appear, which may, in turn, lower your credit score further.
    4. E X T R A– Remove Defaults & Judgments From Your Credit Rating:
      1. You will see an immediate and dramatic increase in your credit score when MyCRA Lawyers removes a bad credit listing from your credit file.

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    The First Step You Need To Take Is To Pick Up The Phone Right Now And Call 1300-667-218 To Speak To MyCRA Lawyers.  

    Then MyCRA Lawyers Will Take Over The Entire Credit Score Enhancement Process.

    Many Other MyCRA Lawyers Legal Clients Just Like You Have Received The Life Changing News In Seven Days Or Less That Their Bad Credit Is History…

     

    Just imagine how relieved you’ll feel when You hear that there is light at the end of the tunnel, that you can get your dream home… You can probably feel the weight lifting already…

    Call MyCRA Lawyers Now on 1300-667-218, but only if you want the stress of bad credit gone quickly.

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  • Federal Government To Announce Increase In GST to 15% – Will See Massive Increase In Unemployment And More Bad Credit Scores

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”1″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]Federal Government To Announce Increase In GST To 15% – Will See Massive Increase In Unemployment And More Bad Credit Scores[/fusion_title][fusion_title size=”2″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]

    Massive Unemployment Spike As 2,087,00 Small Businesses Forced To Lay Off More Staff To Cope With The 50% Increase In GST

    [/fusion_title][fusion_text]I see this increase in GST as potentially disastrous for many Small Businesses, and the increase would need to be immediately passed to the already struggling consumer.

    This morning I read a story in the Qld Courier Mail (Federal Government Offers Deal To Cut State Taxes) which talks about Qld and Vic state governments opposing the proposed increase in GST (up by 50% from its current 10%) to a massive 15%.

    Will Increasing The GST to 15% Give You A Bad Credit Score?
    Will Increasing The GST to 15% Give You A Bad Credit Score?

    Sure, the Federal Government is suggesting a cutting of the Payroll Tax and Stamp duty, but has anyone actually done the numbers to see how it would affect the largest employer in Australia – Small Businesses?

    A small business that turns over say, One Million Dollars ($1,000,000.00) per annum (or less) is unlikely to ever see any real benefit from the cuts in payroll tax or stamp duty but will feel an immediate impact with the GST increasing by 50%.

    If that Small Business was paying 10% GST on all income now, the additional $50,000 it will need to find when the Federal Government hikes up the GST to 15% is equivalent an entire annual salary for another struggling Aussie Family.  If the Small Business does not add the 5o% Tax increase to its’ prices, it’ll likely have to lay off another staff member.

    This means more people hurting, more households living below the poverty line, more credit card bills going unpaid, more bad credit ratings.

    Can someone tell me how this tax will benefit  the country if [fusion_popover title=”2,087,000 Small Businesses In Australia” title_bg_color=”” content=”The latest figures state there are 2,087,000 small businesses in Australia. These are small businesses that go from a single person to 19 employees. This segment employs more than half of all employees in Australia and is the least represented employer group in Australia. ” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”click” placement=”” class=”” id=””]Text[/fusion_popover] small businesses around Australia may each have to lay off a staff member?

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Have Your Passwords been Hacked – Check The Top 25 Worst And “Most Hackable” Passwords For 2105

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]

    Have Your Passwords been Hacked – Check The Top 25 “Most Hackable” Passwords For 2105

    ###  IDENTITY THEFT RISK – YOUR PASSWORD IS INSECURE ###

    If you’re using any one of the top 25 passwords, there’s a much higher chance of your account being hacked – keep reading to discover the top 25 passwords for 2015…

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]Identity theft causes bad credit | MyCRA Lawyers Can Help You Clean Up The Mess Caused By Identity Theft In a recent post published on , the most commonly used passwords for 2015 were revealed.

    Seriously, if you’re using any one of these passwords yourself – CHANGE IT NOW!

    Further below we have both the 2015 and the 2014 “Worst Password Lists” as compiled by .

    If you want to be more secure, you could try using “pass phrases” that would be easier for you to remember but harder to crack.  

    Some people use phrases from classic literature such as Shakespeare or the Bible or your favourite poem. 

    Then trick it up with capitals and change  ‘S’ to a ‘5’, ‘o’ to a ‘0’, an ‘a’ to a ‘4’and an ‘i’ or an ‘l’ to a ‘1’ and you’ve improved the security of your pass phrase even more.

    To check the strength of your pass phrase, try looking at sites like [fusion_popover title=”” title_bg_color=”” content=”This site is an example and is not recommended nor endorsed. Please conduct your own due diligence before using any sight on the internet” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”top” class=”” id=””]SplashData[/fusion_popover] which rates “My Old Brown Dog” as a password that would take ‘234 Trillion Years To Crack’…[/fusion_text][fusion_separator style_type=”none” top_margin=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Mortgage Broker Jonathan Salter MyCRA Lawyers Testimonial on LinkedIn[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”” border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”1″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]2015’s Worst Passwords[/fusion_title][fusion_text]

    Rank Password Change from 2014
    1 123456  No Change
    2 password  No Change
    3 12345678 Up 1
    4 qwerty Up 1
    5 12345 Down 2
    6 123456789 No Change
    7 football Up 3
    8 1234 Down 1
    9 1234567 Up 2
    10 baseball Down 2
    11 Welcome New
    12 1234567890 New
    13 abc123 Up 1
    14 111111 Up 1
    15 1qaz2wsx Nwe
    16 dragon Down 7
    17 master Up 2
    18 monkey Down 6
    19 letmein Down 6
    20 login New
    21 princess New
    22 qwertyuiop New
    23 solo New
    24 passw0rd New
    25 starwars New
         
         

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”” border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”1″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]2014’s Worst Passwords[/fusion_title][fusion_text]

    Rank Password Change from 2013
    1 123456 No Change
    2 password No Change
    3 12345 Up 17
    4 12345678 Down 1
    5 qwerty Down 1
    6 123456789 No Change
    7 1234 Up 9
    8 baseball New
    9 dragon New
    10 football New
    11 1234567 Down 4
    12 monkey Up 5
    13 letmein Up 1
    14 abc123 Down 9
    15 111111 Down 8
    16 mustang New
    17 access New
    18 shadow Unchanged
    19 master New
    20 michael New
    21 superman New
    22 696969 New
    23 123123 Down 12
    24 batman New
    25 trustno1 Down 1

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_text]

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

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

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

    [/fusion_text][fusion_text]

    Dr Kamal Zgheib default removal | MyCRA Lawyers Testimonial
    Dr Kamal Zgheib default removal | MyCRA Lawyers Testimonial

    Listen to the Telephone call between Graham Doessel and Dr Kamal.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_separator style_type=”none” top_margin=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]As you think about who you might refer, you might think back over the clients that have been rejected for credit issues by you or your lenders for the past 3 or so years.  Hope is an amazing gift you can give them and it’ll cost you nothing to mention MyCRA Lawyers to them all.  Refer them through using our simple and convenient 90-second online referral form by clicking the button below.[/fusion_text][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Quick – Easy – 90 Second Client Referral – Click Here Now[/fusion_button][fusion_separator style_type=”none” top_margin=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]Who do you know that might have been the victim or almost the victim of an online scam or an identity theft issue or that has a bad credit rating, you might like to think how much you’d appreciate some help if you’d just been through something like this, and how grateful you’d be if your friend or trusted advisor let you know that you have options to get your life back.  

    Let your friends know that MyCRA lawyers has an independently audited success rate of 91.6% of all matters taken on* received a successful default removal resolution and approx. a 1/3 of them received the good news within 7 days or less.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers Happy Credit Repair Client | 1300-667-218[/fusion_imageframe][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”#ffffff” background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”yes” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” class=”” id=””][fusion_builder_row][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

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

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”3_5″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]Complete your application to the right

    As you think about who you might refer, you might think back over the clients that have been rejected for credit issues by you or your lenders for the past 3 or so years.  Hope is an amazing gift you can give them and it’ll cost you nothing to mention MyCRA Lawyers to them all.  Refer them through using our simple and convenient  90-second online referral form by clicking the big Green Button to the right.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_5″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”30″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Quick – Easy – 90 Second Client Referral – Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • [X] It Looks Like Your Client Might Have Lied To You

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_6″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]
     

    RE: It Looks Like Your Client Might Have Lied to You…

    Have you ever had a situation where you’ve asked your client a question only to have been lied to?  How much of your time did they waste?  What if you had a set of better questions to avoid this? (see below)

    Just a few hours ago we got a call from a broker that’s lodged an application with a prime lender only to be told the client had 4 defaults.

    2 x Council Court Judgments.
    1 x Amex Default
    1 x Citibank Credit Card

    This is AFTER the broker had asked the client if their credit was “in good order”, to which the client stated “YES”.   Naturally it was declined and now to the question of Serviceability and Suitability.  Hmmm, do you think it might be an issue?

    What if this broker had a simple 3 step process to avoid wasted time and get more approvals…

    Step 1.
    Ask your client Specifically if they’ve had trouble paying any bills on time in the last 4 years because studies show most people with bad credit don’t know it.

    Step 2.
    Grab a copy of their and Credit files (regardless of what they tell you) BEFORE you lodge their application, so you can see their credit health for yourself.

    Step 3.
    Call MyCRA Lawyers on 1300-667-218 ASAP to discuss their scenario and learn if they’ll be the next 18 minute removal (Call us while you’re with them) so they can see and feel you have their best interests at heart.

    Keep reading to see why it’s so important to you and your clients…

    If your client has had any trouble paying their bills in the last 4 years, there is a chance that they may have bad credit, and this should be a red flag that can alert you to avoiding a possible decline.

    If you BEFORE you lodge, then that perfect lender is not made aware of any possibly unlawful credit listings.  Thus removing a possible hurdle.

    Even when MyCRA Lawyers expert team are successful in removing your clients defaults, if your perfect lender has already seen a copy of their credit file before we remove your clients default, they may still find reason to decline.  (Better we fix the issue BEFORE the lender sees it.)

    Then you call my team or I on 1300-667-218 immediately, and we can walk you, and your client through of the legal credit repair process, so you can see how easy it is when you’ve got MyCRA Lawyers in your corner.  Sounds good doesn’t it…

    I look forward to hearing from you.

    With warm regard,
    MyCRA Lawyers | Armstrong Doessel Stevenson Lawyers (and introducing)
    Your Budget Now

    Graham Doessel
    Chief Executive Officer
    Non-Legal Director

    Tel: 1300-667-218

    P.S.  Remember to reply to this email if you’d like to be one of the first to receive your Accredited Referrer website Badge and start receiving the additional rewards associated with it.

    P.P.S.  Have you checked out the latest MyCRA Lawyers Innovation.  Check Out YBN now…

     
    Your Budget Now – Providing You With, Bill Paying | Budgeting | Savings Plan Solutions

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  • Re: Thomason, Michael J – LOAN DECLINED

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    Email not displaying correctly? Read it in your browser, Click here
     

    RE: Thomason, Michael J. Loan Declined.

    For more approvals, you might want to follow these three simple steps.

    Step 1.
    Ask your client if they’ve had trouble paying any bills on time in the last 4 years because studies show most people with bad credit don’t know it.

    Step 2.
    Grab a copy of their and Credit files (regardless of what they tell you) BEFORE you lodge their application, so you can see their credit health for yourself.

    Step 3.
    Call MyCRA Lawyers on 1300-667-218 ASAP to discuss their scenario and learn if they’ll be the next 18 minute removal (while you’re with them is perfect too) so they can see and feel you have their best interests at heart.

    Keep reading to see why it’s so important to you and your clients…

    If your client has had any trouble paying their bills in the last 4 years, there is a chance that they may have bad credit, and this should be a red flag that can alert you to avoiding a possible decline.

    If you BEFORE you lodge, then that perfect lender is not made aware of any possibly unlawful credit listings.  Thus removing a possible hurdle.

    Even when MyCRA Lawyers expert team are successful in removing your clients defaults, if your perfect lender has already seen a copy of their credit file before we remove your clients default, they may still find reason to decline.  (Better we fix the issue BEFORE the lender sees it.)

    Then you call my team or I on 1300-667-218 immediately, and we can walk you, and your client through of the legal credit repair process, so you can see how easy it is when you’ve got MyCRA Lawyers in your corner.  Sounds good doesn’t it…

     

    With warm regard,
    MyCRA Lawyers | Armstrong Doessel Stevenson Lawyers (and introducing) |
    Your Budget Now

     

    Graham Doessel
    Chief Executive Officer
    Non-Legal Director

    Tel: 1300-667-218

    P.S.  Remember to reply to this email if you’d like to be one of the first to receive your Accredited Referrer website Badge and start receiving the additional rewards associated with it.

     
    Your Budget Now – Providing You With, Bill Paying | Budgeting | Savings Plan Solutions

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  • Be careful where you live because it can affect your credit score

    Media Release

    where live affect credit scoreBe careful where you live because it can affect your credit score

    15 April 2014

    Australia’s new credit laws have some consumers on edge and checking their credit score to ensure they’re not blacklisted – but a consumer advocate for accurate credit reporting says beware, your credit score can be lowered by where you live as well as what you do with credit.

    Graham Doessel, Non-Legal Director of MyCRA Lawyers, a firm focused on credit disputes says many things can reduce your credit score, including your address.

    “Basically all the details asked for on your home loan application form can be used to calculate a credit score, including where you live,” Mr Doessel says.

    The former broker says some suburbs put you in the credit danger zone.

    “It’s not common knowledge, but when it comes to your address some suburbs are listed as high for commercial credit risk and if you happen to live in that suburb your score may be lower than what it would be if you lived somewhere else,” he says.

    Credit reporting bureaus such as Veda Advantage and Dun and Bradstreet hold information on millions of consumers, and use this data to make predictions about credit risk. They also publish de-identified information on their collected data from time to time, such as with Dun and Bradstreet’s 2009 publication ‘Consumers still in the danger zone – A geographic look at consumer credit risk across the country’ (1)

    “The Geographic Risk Indicator (GRI) assesses the likelihood of future default on a credit obligation based on demographic data. Those areas categorised as a high risk are 3.4 times more likely than average to be inhabited by individuals who have experienced previous negative credit events,” the publication states.

    “It may not be fair, but the truth is, if you live in a ‘bad’ suburb your score will be reduced even if you are personally a good credit risk,” Mr Doessel says.

    So what else can contribute to lowering your credit score?

    Mr Doessel says how long you’ve lived at your address can also contribute to a low score.

    “Lenders like to see stability, so moving just before you put in an application for finance is probably not ideal, depending on how much you’re borrowing,” he says.

    Some of the many factors Veda Advantage might take in to consideration when calculating their VedaScore can include: (2)

    · Types of credit provider you have made credit enquiries with (Credit providers are rated as high to low risk lenders) · Type and size of credit requested in your application

    · Number of credit enquiries and shopping patterns

    · Directorship and Proprietorship information

    · Length of employment

    · Age of credit report

    · Default information including court writs and default judgments

    Mr Doessel says default information can play a big part in how your score is calculated.

    “Of course any adverse listings such as defaults or Court Writs and Judgements and Bankruptcies can really lower your credit score even if you live in a great suburb. We’ve helped millionaires with disputing credit listings impacting their ability to get finance,” he says.

    He says repayment history is a grey area as to how it could impact your credit score. This is relevant to you if your credit provider decides to opt in to the new comprehensive credit reporting system and lists payments on your credit card or loan accounts which are more than 14 days behind.

    “It’s important to pay your credit accounts on time every time as we just don’t know what impact even one late payment notation could have on your credit score,” he says.

    /ENDS.

    For interviews and more information please contact:

    Graham Doessel – Non-Legal Director MyCRA Lawyers Ph 3124 7133

    Lisa Brewster – Media Liaison MyCRA Lawyers media@mycralawyers.com.au

    www.mycralawyers.com.au www.mycralawyers.com.au/blog

    MyCRA Lawyers 246 Stafford Rd, STAFFORD Qld Ph 07 3124 7133

    About MyCRA Lawyers: MyCRA Lawyers is an Incorporated Legal Practice focused on credit file consultancy and credit disputes. MyCRA Lawyers means business when it comes to helping those disadvantaged by credit rating mistakes.

    Links:

    (1) http://dnb.com.au/library/scripts/objectifyMedia.aspx?file=pdf/32/14.pdf&siteID=1&str_title=Consumers+still+in+the+danger+zone+-+GRI+Report.pdf

    (2) http://www.veda.com.au/yourcreditandidentity/check/vedascore/how-my-vedascore-calculated

    Image: Danilo Rizzuti/ www.FreeDigitalPhotos.net

  • Know about your credit score before you buy a home.

    Media Release

    buy a homeKnow about your credit score before you buy a home.

    27 March 2014

    A massive overhaul of Australian credit reporting law now means big brother is watching you like never before, and a consumer advocate for accurate credit reporting says there are some actions you should take now to minimise your risk of being locked out of a home loan.

    On March 12, Australia moved to ‘comprehensive credit reporting’ when amendments to the Privacy Act had final implementation.

    Mr Doessel, Non-Legal Director of MyCRA Lawyers, a firm focused on credit disputes, says new information about your credit habits is now open to prospective lenders who check your credit score.

    “More credit information unfortunately means there’s more reason for lenders to say no to your home loan application or to increase the interest rate offered,” Mr Doessel says.

    Recent statistics from credit reporting bureau Veda Advantage reveal 80% of Australians have never checked their credit history and 53 per cent were not aware that they could ask for a copy of their credit file.

    Mr Doessel says “with over 16.5 million consumer credit files held by Veda Advantage alone, we’re talking millions of Australians who may be at a disadvantage under the new laws through simple lack of education.”

    To help promote understanding of our new laws Mr Doessel identifies seven key points which you should be aware of, especially if you intend to buy a home over the next few years.

     7 credit score health tips

     1. Repay all accounts by the due date -especially your credit card and loan accounts. Any time you are more than 5 days late paying your credit card and loan accounts, a notation can be made in your ‘repayment history’ and remains there for two years. If payment on any credit account over $150 (including telco and energy bills) is more than 60 days overdue, you can have a default applied against your name which has a five year ‘shelf-life’.

     2. Repay more than the minimum amount on credit cards. You don’t want to unknowingly end up in arrears and with a late payment notation against your name because you didn’t pay enough.

    3. Be careful with the amount and type of credit you apply for and use. Too many credit accounts and cards could reduce your score, even if you’re not using them. Also restrict the type of credit you apply for. Too many ‘alternative’ or high interest accounts could see you with a lower score. Reducing your number of credit enquiries is also a good idea.

     4. Ask for help if you need it. If you have circumstances which mean you temporarily can’t make repayments on time, contact your Credit Provider as soon as possible – preferably before your accounts are overdue. You can ask for a financial hardship variation to help ease the burden while you get back on your feet.

     5. If you disagree with an account or bill – act quickly. The earlier you can get to the bottom of an unfair bill the less likely it could impact your credit file. If the Credit Provider ends up listing the account on your credit file as either a late payment or a default, you can ask the credit reporting bureaus to list the bill as disputed on your credit file while you sort it out.

     6. Check your credit score. This is available once a year at no charge from Australia’s credit reporting bureaus – Veda Advantage, Dun & Bradstreet and TASCOL (if in Tasmania). You can also pay to have them sent the same day. Try sites like www.freecreditrating.com.au. You’ll see whether you’ve got any black marks and also whether you’ve been the victim of fraud or identity theft. Veda Advantage also allows you for a fee to see your Vedascore.

     7. Dispute errors as soon as possible. Creditors can and do make mistakes. If you find something on your credit file you don’t agree with – get it sorted out. You can ask the credit reporting bureau which holds the listing to identify it as disputed, and then go about fixing the problem.

    There are avenues you can source to dispute your own listing. You can also seek out external help from a third party such as a lawyer focused on credit law, or a credit ‘repairer’.

    Mr Doessel recommends those who use a credit repairer to do their homework to avoid getting ripped off.

    /ENDS.

    For interviews and more information please contact:

    Graham Doessel – Non-Legal Director MyCRA Lawyers Ph 3124 7133

    Lisa Brewster – Media Liaison MyCRA Lawyers media@mycralawyers.com.au Ph 3124 7133

    www.mycralawyers.com.au www.mycralawyers.com.au/blog

    MyCRA Lawyers 246 Stafford Rd, STAFFORD Qld Ph 07 3124 7133

    About MyCRA Lawyers: MyCRA Lawyers is an Incorporated Legal Practice focused on credit file consultancy and credit disputes. MyCRA Lawyers means business when it comes to helping those disadvantaged by credit rating mistakes.

     Link: http://www.veda.com.au/sites/default/files/images/ycai_launch_infographic_final_190913.pdf

    Image: Stuart Miles/ www.FreeDigitalPhotos.net

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  • Credit reporting and the year ahead

    credit reporting and the year aheadSome significant changes will be appearing this year due to Australia’s credit reporting legislation overhaul in March. These changes could impact all Australians, and especially those involved in the credit industry…Find out the 5 significant changes we’ll be watching in 2014, and decide what action you need to take for your business or for your own finances.

    By Graham Doessel, Non-Legal Director MyCRA Lawyers

    Are you ready for the year ahead in credit reporting?

    Below is my guest post in The Adviser this week ‘Credit reporting and the year ahead‘ .

    In this post, I discuss the 5 big changes we’ll be watching closely in 2014.

     

    Credit reporting and the year ahead (The Adviser)

    13 January 2014 | Graham Doessel

    2014 will bring some heavy changes to Australian credit reporting following the implementation of the Privacy Act 1988 (Cth) Amendments in March.

    What are the 5 big changes that we’ll be watching closely this year which could impact all involved in the credit industry?

    1. Repayment History Information (and specifically ‘late payment’ notations).

    The introduction of repayment history information (RHI) to Australian credit reports means there is going to much more data available to lenders in which to make their serviceability calculations from.

    One of the pieces of credit reporting data which could be a deal breaker for many prospective borrowers – is any late payment notations. Separate from defaults, a consumer’s RHI will show any late payments made on licenced credit – e.g. loans and credit cards and the date the payments were made.

    That information has been collected from December 2012 – but largely consumers are unaware of this important change. From March this year, it will show up on consumer credit reports across the country – and it will be interesting to see how many people have these new notations against their names.

    It remains to be seen how lenders will treat this information (as all serviceability calculations are so subjective), and precisely how the information will impact credit worthiness.

    We don’t know yet how many days late will be too late, and we won’t know this information until a new Credit Reporting Code of Conduct is registered. It has been proposed a repayment more than 5 days late will see you with one of these notations against your name.

    Another uncertainty is how many will be too many and mean the lender’s computer says ‘no’ or the lender’s computer says ‘yes’ but at a higher interest rate.

    2. New obligations on credit reporting bureaus

    With the registration of a new Credit Reporting Code of Conduct (CR Code), will be a new requirement on credit reporting bureaus such as Veda, Dun & Bradstreet, Tasmanian Collection Services and new entrant Experian, to audit the compliance of credit providers.

    The new CR Code requires CRB’s to monitor credit providers, and to determine those that pose the greatest risk of non-compliance with their core obligations under the Privacy Act. The Code determines these “at risk” credit providers would be subject to audits.

    We will be interested to see precisely how this obligation is metered out to credit reporting bureaus, and whether an independent overseer will be appointed to ensure objectivity. We hope this change will improve the accountability of credit providers. We also hope it will solidify the two entities as being ‘separate.’ We have found in the past during credit disputes, a client-type relationship tends to exist between agency and credit provider, at the exclusion of consumers.

    Further to this, it was proposed in the draft Code of Conduct, that CRB’s should also publish on their website an annual report by 30 June each year outlining information relating to credit report correction. The information would relate to the number of correction requests received, the number of successful correction requests, and the number of complaints received.

    This information has previously never been supplied to the Australian public from our credit reporting agencies (because there has never been a requirement to). If implemented as part of the new CR Code, this information will give Australia a much more accurate picture of the depth of credit reporting issues as they exist.

    3. The ‘open’ credit score

    Currently, Australia’s largest credit reporting agency, Veda is offering consumers the opportunity to purchase their ‘Veda score’ so they can see the number that lenders have been able to see when requesting credit information from Veda.

    With the Privacy changes will bring an obligation on those agencies providing a credit score, to provide information on how it is calculated. Veda has made moves to do this already.

    In addition to Veda, U.S. giant ‘FICO’ has said it would also like to offer open credit scoring to the Australian public.

    FICO currently offers its data analytics services and credit scoring to lenders for internal use in Australia, and has been doing so for many years. It is reportedly used in 90% of consumer lending decisions in the U.S.

    So if it does provide an alternative to Veda’s “VedaScore” it will be interesting to see the differences in the scores, and which one is more accurate reflection of lender serviceability calculations.

    4. “Improved” ability to correct consumer credit reports

    Creditors can and do make mistakes when placing listings on credit files, and the onus is on the consumer (or someone acting on their behalf) to identify and address those inconsistencies.

    But up till now, it has very much been a case of David and Goliath – with some consumers finding they are lumbered with listings that just shouldn’t be there due to not having the extensive skills and knowledge required to address their complaints in the appropriate way.

    The new laws around complaints correction have promised to streamline the correction and complaints process for credit reporting as well as force the credit provider to justify credit listings and actually substantiate the information it reports on credit files.

    These are significant changes which we look forward to putting into practice on behalf of the many clients we act on behalf of in credit dispute cases.

    5. New powers for the Privacy Commissioner

    New Privacy Laws provide that civil penalties can be issued by the Privacy Commissioner for a breach of certain provisions of the Privacy Act, and including the Credit Reporting Code of Conduct. They can also be imposed for serious or repeated breaches. These can be up to $220,000 for an individual or $1.1 million for an organisation.

    Finally there is some real incentive for credit providers to take due care with adding listings to credit files. The Privacy Commissioner has said he will not be taking a soft approach when it comes to breaches of the Privacy Act, and we will be watching with interest to see if this also applies with the same gusto to credit reporting breaches covered under this legislation.

    All in all, this year could bring some really positive changes to Australia’s credit system, but with it will be some teething problems resulting in confusion for some consumers. If nothing else, there’s going to be some really interesting times in credit reporting, and in finance in the months ahead.

    ________________________________________________________________

     GD COLOUR HEAD SHOTGraham Doessel is the Non-Legal Director of MyCRA Lawyers.

    MyCRA Lawyers advocates for individuals in matters of credit file dispute.

    An early pioneer in credit repair, over recent years Graham has become a frequent consumer spokesperson for issues impacting credit reporting, and is the Secretary and Spokesperson of the Credit Repair Industry Association of Australasia (CRIAA).

    Graham also founded and is the Non-Legal Director of Armstrong Doessel Stevenson Lawyers.

     

  • The new credit habit EVERY Australian should adopt in 2014

    Media Release

    credit reportThe new credit habit EVERY Australian should adopt in 2014.

    15 January 2014

    New credit history data about Australians is set to be shared with credit providers in March this year, after a 16-month collection period that many consumers have been unaware of – and a consumer credit advocate is warning Australians about the importance of routinely checking their credit rating to make sure their information is accurate.

    Graham Doessel, Non-Legal Director of MyCRA Lawyers – a firm focusing on credit disputes, says come March, Australia’s credit reporting laws are set for a major overhaul as part of widespread changes to the Privacy Act 1988 (Cth) and a move to more “comprehensive” credit reporting will see much more information available to lenders, including repayment history.

    “Since December 2012 if you have been late making repayments to finance providers on accounts such as credit cards and loans, this information has been collected. From March 2014 this information will be included as part of your credit history and available to potential lenders who perform a credit check,” Mr Doessel explains.

    The other new data sets available to lenders include – the date on which a credit account was opened; the date on which a credit account was closed; the type of credit account opened; and the current limit of each open credit account.

    “It is up to every individual to ensure the information recorded about them is accurate, but unfortunately, the majority of Australians are just not checking their credit rating – I think this is a big worry going forward under these new laws.”

    In September last year, credit reporting agency Veda Advantage published results of a survey showing that a whopping 80 per cent of Australians have never checked their credit history and 53 per cent were not aware that they could ask for a copy of their credit file.(1)

    Mr Doessel says these numbers reflect a nation which is largely unaware of just how important their credit file can be for lenders making financial decisions.

    “There are no class lines, whether rich or poor if your credit file is ‘impaired’ by negative notations, your ability to obtain credit will be affected or the interest rate you are offered will be higher,” he says.

    Up till now, only accounts more than 60 days in arrears were recorded on Australian credit files and listed as ‘defaults’. The new laws add to this, and allow for the 2-year recording of late payments on licenced credit made even one day late, although Mr Doessel says a grace period of 5 days has been proposed to be implemented with a new Credit Reporting Code of Conduct.

    “Five days is still an extremely small window in which to ensure that mistakes or simple oversights on both sides haven’t occurred. It is really essential that Australians keep good paperwork on all credit accounts, and routinely check their credit history,” he says.

    Mr Doessel says it is unknown just what weight lenders will give to this new information they have available to them.

    “It’s up to each lender and their own calculations as to how they treat this new information as well as whether a potential borrower is refused credit or bumped up to a higher interest rate. But I believe late payment notations will impact the individual’s credit score,” he says.

    HOW TO CHECK YOUR CREDIT RATING.

    • It is not well publicised, but under Australian law checking your credit report is free once per year for each individual.

    • It takes about 10 working days from the receipt of your request to send you out your report. This ‘free’ report doesn’t contain any credit score, but does list all of the credit information about you available to any potential lender, as well as all of your personal information.

    • You can apply for a copy of your credit report from credit reporting agencies Veda Advantage, Dun & Bradstreet, Experian and Tasmanian Collection Services (if in Tasmania).

    Or you can apply all in one place at www.freecreditrating.com.au.

    • You can generally pay the credit reporting agencies to be sent an urgent report, or with Veda Advantage, obtain your ‘VedaScore’.

    • If you check your own credit report you do not generate a “credit enquiry” through the agency’s system, whereas if you leave it to a lender, you do. Too many credit enquiries can be detrimental as they are classed as ‘applications’ and potential lenders can assume this notation means you have been refused credit in the past.

    “Thankfully, if there are issues of inaccuracy on credit reports from March – there will be more support for correction within the new legislation, so we are hopeful dispute cases have more chances of success than they’ve had in the past,” Mr Doessel says.

    /ENDS.

    Please contact:

    Graham Doessel – Non-Legal Director MyCRA Lawyers Ph 07 3124 7133

    Lisa Brewster – Media Relations media@mycra.com.au

    www.mycralawyers.com.au  www.mycralawyers.com.au/blog

    www.mycra.com.au/blog

    MyCRA Lawyers 246 Stafford Rd, STAFFORD Qld Ph 07 3124 7133

    MyCRA Lawyers is an Incorporated Legal Practice, focused on credit file consultancy and credit disputes. We mean business when it comes to helping those disadvantaged by credit rating mistakes.

    Link:

    (1)http://www.veda.com.au/sites/default/files/images/ycai_launch_infographic_final_190913.pdf

     

  • How will the changes to the Privacy Act coming in 2014 affect borrowers?

    Privacy Laws March 2014Recently I was asked to participate on a panel of finance and credit experts, answering consumer questions on aspects of credit impacting credit card users. The question, ‘How will the changes to the Privacy Act coming in 2014 affect borrowers?’ is a really important question – but one which many Australians don’t think to ask. Thankfully someone did. Read what our panel of experts has to say about how the changes can impact you and your credit rating.

    By Graham Doessel, Founder and CEO of MyCRA Lawyers.

    This interesting article has been extracted from creditcardoffer.com.au website – a subsidiary of Credit World.

     Ask An Expert: How will the changes to the Privacy Act coming in 2014 affect borrowers?

    Written by Kalianna and posted on November 28, 2013

    Expert Opinion: In our inaugural ask-an-expert question, we asked about a serious change to credit reports that we know will affect a wide range of credit card applicants;

    How will the planned changes to the Privacy Act commencing March 2014 affect someone applying for credit? Will people be labelled as bad credit who were not before? 

    There are some changes coming in March 2014 that will impact everyone in Australia with a credit file – especially those looking to apply for a new credit card or loan in the next few years – so most adults aged 18-55. For a start, lenders will be able to see much more information than they can now when they request your credit file after you apply for a new card or loan.

    Australia is moving towards a ‘positive’ credit reporting environment, where a good history with repayments and signs that you are reducing your overall debt will be rewarded and viewed positively by lenders. At the moment, lenders can see ‘negative’ information on a credit file. This includes:

    • Accounts that have been applied for (but not, for example, credit limits on credit card applications all of the time)
    • Defaults – where a payment is more than 60 days late
    • Default judgments or bankruptcy where a person has been the pursued through the courts in a debt collection action

    The system will be similar to what exists in the United States, and the third credit reporting agency to enter Australia, Experian, may also have an impact. In general Australia’s credit reporting agencies have stated that they believe it could take around 12 months before the same level of data is reported on Australian borrowers as what the US FICO system provides for borrowers there.

    Members of our expert panel agreed that those who want to apply for new credit in 2014 will be most affected by the changes, rather than those who already own their own home etc, though applications for refinancing or adding to your existing debt will not be immune to credit checks.

    If you are wondering whether you might be considered ‘bad credit’ from next year, then pay close attention to the advice given below and start doing your research into ways to improve your credit file and keep your score high enough to get approved for the amount you want when it comes time to borrow. Our experts have highlighted areas to watch, and what lenders will be interested in so you know where to concentrate your efforts.

     Graham Doessel

    Non-Legal Director,  MyCRA Lawyers

    Someone applying for credit after March next year will have more information about them shown to lenders who request a copy of their credit report.

    There will be five new data sets available to lenders,

    1. repayment history information;
    2. the date on which a credit account was opened;
    3. the date on which a credit account was closed;
    4. the type of credit account opened;
    5. and the current limit of each open credit account.

    Quite possibly there will be more people considered to have ‘bad credit’ after March 2014, once new laws are implemented. The most significant credit rating damage could come from repayment history information.

    Australian consumers are currently under the microscope with their repayments. Since December 2012, individuals who are more than 5 days late in repaying licenced credit (eg credit cards and loans) have a late payment notation marked against their name. This information will be available to lenders on the individual’s credit report from March 2014. This is in addition to the current default information which is shown after repayments fall more than 60 days in arrears.

    While many have argued that only a pattern of late payment notations would hinder access to credit, I have maintained that even one or two late payment notations could at least affect the interest rate an individual is offered.

    This change could trip up many Australians and mean people are unnecessarily banned from credit due to simple billing mistakes, lost paperwork and other payment mishaps.

    A history of applying for the ‘wrong’ type of credit could also be detrimental and possibly pull down any credit score calculated on the individual.

     Nick Vamvakas

    Chief Risk Officer, ME Bank

    With the introduction of the privacy act more information will be recorded about a person’s credit history. This includes positive credit behaviours, which were never previously recorded and some negative behaviours that weren’t previously recorded such as late credit card repayments (previously only credit card defaults were recorded). Overall this new, more complete, approach gives credit providers a better picture of a person’s credit history and has significant benefits for people applying for credit. Their credit history will be more accurate and provide a truer and fairer reflection of their ability to manage the credit for which they’ve applied.

     Dominique Bergel-Grant

    Founder, Leapfrog Financial

    Without doubt there are changes around the corner that will significantly impact all those applying for credit after March 2014.  The changes to the Privacy Act will enable prospective lenders to know more about you than you probably even do.  From details about account repayment history, types of accounts and detailed credit information about the account status.

    This is far more detail than what they currently have access to and will ensure nothing unwanted slips through.  A big difference is the repayment history of up to 24 months being provided is a significant increase to the typical 3-6 months most lenders currently require.  So being well behaved with your credit will be even more important than ever otherwise you will find yourself needing to explain any inconsistencies which could lead to a loan application being declined.

     Heidi Armstrong

    CEO, State Custodians

    The changes to Australia’s credit reporting system will have a greater impact on those applying for credit. Not only will credit providers be able to see any repayment defaults, bankruptcies or past credit applications, but they will also have access to the past 24 months of your credit repayment history going back as far as December 2012.

    This can be either a good or bad thing, depending on your financial situation. If you are diligent with your repayments and always pay bills on time, it could help improve your chances of success when applying for credit. However, if you have been late or missed repayments in the past 24 months, lenders will be able to see this and may factor this into their decision whether to approve or decline your credit application. Therefore, it is more important than ever to make an effort to keep your repayment history clean.

     Steve Brown

    Director, Consumer Risk Solutions at Dun and Bradstreet

    The changes to Australia’s credit reporting system will improve the detail and accuracy of the information used to assess applications.

    For those applicants with a history of sound financial management, the additional information will provide a more detailed view of their creditworthiness. The addition of repayment history data will also allow individual’s with a previous credit slip-up to demonstrate they have rectified their credit position by making regular and on-time repayments.

    Equally, with provisions to record payments made five-or-more days late, changes to Australia’s credit reporting system mean that those people who regularly make late repayments will become more visible to credit provider.

    If you would like to know more about upcoming Privacy Law changes, visit our blog www.mycra.com.au/blog.

    Image: Stuart Miles/ www.FreeDigitalPhotos.net