MyCRA Specialist Credit Repair Lawyers

Tag: default removal

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

    [fusion_builder_container background_color=”#f8f8f8″ background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]

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

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

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

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

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

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

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

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

    For the full story, please click [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Keep an eye open for the next FBAA function to hear exactly how Peter White and the FBAA are fighting for your rights.[/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Are you an accredited referrer yet?

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

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

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

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

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Refer A Friend Or Client Now

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

    Do You Personally Need A Clean Credit Rating Yourself?

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

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

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]

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

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

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

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

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

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”#e2d49a|” gradient_hover_colors=”#dd9933|” accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”” border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center” class=”” id=””]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_modal name=”” title=”” size=”” background=”” border_color=”” show_footer=”” class=”” id=””][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

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

    [fusion_builder_container background_color=”#f8f8f8″ background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]

    Yivan Says “Thank You For Removing My Bad Credit”

    “Hi Anthony,

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

    Kindest Regards
    Yivan”

    Yivan says thanks to MyCRA Lawyers [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

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

    [/fusion_text][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Refer A Friend Or Client Now

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

    Do You Personally Need A Clean Credit Rating Yourself?

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

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

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”#e5e4e4″ border_style=”solid” padding_top=”65px” padding_bottom=”50px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]

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

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

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

    [/fusion_text][fusion_separator style_type=”double solid” top_margin=”15″ bottom_margin=”45″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
    Thank you
    [/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

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

    MyCRA delivered on time and on budget.

    Top Job Guys!! I will gladly recommend MyCRA Lawyers to family and friends in the future[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Stefan” avatar=”male” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]I contacted MyCRA Lawyers after being off work with an injury.
    It started by missing a couple of small payments, power, phone then an existing loan I had.
    Still unable to return to work, things started to compound exponentially and before I knew it I started getting calls from up to 3 different debt collectors 5 times a day.

    I felt powerless to do anything about it and decided to give Graham Doessel at MyCRA Lawyers a call. Within the first week Graham and his expert team had completely removed the $1000 debt but more importantly, the default listing from VEDA. Their high success rate of removing defaults, combined with their extensive knowledge of debt collectors not adhering to certain rules they must follow means the defaults can be removed quicker than you would expect.
    I would certainly recommend their services, and can’t tell you how satisfied you feel when the burden is lifted.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”1px” border_color=”#c6c6c6″ border_style=”solid” padding_top=”25px” padding_bottom=”0px” padding_left=”0px” padding_right=”0px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

    Join The Thousands Of Satisfied MyCRA Lawyers Clients!

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”15″ margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””][fusion_button link=”tel:1300667218″ color=”orange” size=”xlarge” stretch=”default” type=”3d” shape=”round” target=”_self” title=”” gradient_colors=”#e2d49a|” gradient_hover_colors=”#dd9933|” accent_color=”rgba(0,0,0,.5)” accent_hover_color=”#333333″ bevel_color=”” border_width=”2px” icon=”fa-phone-square” icon_position=”left” icon_divider=”yes” modal=”” animation_type=”bounce” animation_direction=”up” animation_speed=”1″ alignment=”center” class=”” id=””]I’m In, Click to Call Now 1300-667-218[/fusion_button][fusion_separator style_type=”none” top_margin=”7″ bottom_margin=”7″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_modal name=”” title=”” size=”” background=”” border_color=”” show_footer=”” class=”” id=””][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • From The Desk Of Lauren

    From the desk of a Paralegal – Lauren.

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”]

    Lauren is dedicated to removing your bad credit | MyCRA Lawyers | 1300-667-218
    Lauren is dedicated to removing your bad credit | MyCRA Lawyers | 1300-667-218

    We’ve been on an amazing journey here over the last few years. Personally, I’ve experienced a lot of change over the last 2 and a half years, the biggest of course, being the migration from a company to a law firm.

    Change is something that we’re not scared of around here, as they’re all changes for the better.

    One of the biggest changes I have seen is within myself, and the various roles I have held here over the last few years. I initially started work with MyCRA Pty Ltd in customer service, trying to help client’s understand their file and know what the next step was going to be. The issue here was that I was new and I didn’t know a lot about credit repair, or how it worked, and this was compounded by the fact that I didn’t directly work on the client’s file. Trying to build trust with the client in these circumstances was a tough challenge.

    I overcame this challenge and succeeded in building trust with those clients, establishing myself as the key link between those working on the file, and our client.  However impressive this success was, there was still this burning ambition to do more, to know more, and to achieve more.

    I’m grateful that in the migration from MyCRA to our law firm, MyCRA Lawyers, I was given that opportunity to become more involved in understanding the legislation and actively work on removing defaults from our client files.

    I won’t lie, it was a scary thought at first. There’s an immense amount of pressure involved in this kind of work as our client’s lives are at stake, and I know I successfully tackled this head on.

    Now, my core existence is working day in, day out, making sure our client’s rights are protected with creditors, who often, seem to hold little regard for the law, or their customers.

    I learnt this role from the ground up, from learning the legislation, to building solid relationships with creditors, ensuring our client’s have a voice. Having a solid knowledge of the legislation and working under the supervision of the solicitors at MyCRA Lawyers, I strive to honour the trust our client’s place in me, to be the person who is doing all that can be done, to help them in both the bad times, if the outcome isn’t what the client was hoping for, and the good times, when the listing is going to be removed as happens in most cases.

    It’s been another great week here at MyCRA Lawyers, with multiple listings having already been confirmed as removed, and others scheduled to be removed shortly. My greatest pleasure is working hard on a file, and having that hard work rewarded at the end, with the default being removed. There aren’t a lot of jobs around where you get the satisfaction of knowing that you’ve positively changed someone’s life.  On the other side, I find those few clients that are unsuccessful, appreciate that I at least helped them to accept their bad credit situation and move forward.

    If you want the chance to have your life changed for the better, or know that you’ve left no stone unturned in the in the default removal process, then you need a touch of the #MycraDifference and have someone like me fight for you.[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Case Study $1,242,385.00 Unpaid Westpac Bad Credit Default REMOVED In Just 4 Days

    [fusion_builder_container background_color=”#fcfcfc” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”#6b6b6b” border_style=”solid” padding_top=”20px” padding_bottom=”20px” padding_left=”20px” padding_right=”20px” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”1px” border_sizes_bottom=”1px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_imageframe image_id=”7670|full” max_width=”” sticky_max_width=”” style_type=”none” blur=”” stylecolor=”” hover_type=”none” bordersize=”0px” bordercolor=”” borderradius=”0″ align_medium=”none” align_small=”none” align=”left” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” lightbox=”no” gallery_id=”” lightbox_image=”” lightbox_image_id=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”no” sticky_display=”normal,sticky” class=”” id=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” 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/2015/10/ML-logo-letterhead-header-20151015-e1445322644153.png[/fusion_imageframe][fusion_text]

    Bad Credit Rating Removal Case Study

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

    Client Profile:

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

    Name: Elisa
    State: VIC
    Sex: Female
    Age: 40
    Married/Single: Married
    Listing Type: Default
    Original Creditor: Westpac
    Current Creditor: Westpac
    Paid / Unpaid: Unpaid
    Listing Amount: $1,242,385.00
    Commenced work: 03/08/2015
    Default Resolution: 07/08/2015
    case study image

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_text]Credit Repair Background:
    Elisa found out about the listing when she was unable to get a home loan. Her default listing occurred due to a partnership breakup and her house got sold at Mortgagee Auction around 2 years ago.

    What were any challenges with the creditor?
    None. The creditor responded promptly to our office to confirm removal based on our initial findings.

    Why was the listing removed?
    The creditor agreed to remove the default upon their review of MyCRA Lawyers’ formal request.

    Summary:
    Elisa was referred to our office by her broker as she was unable to get a home loan. Our team managed to remove this listing in just 4 business days. Elisa can now confidently apply for her home loan. Congratulations Elisa!

     

    [tipsy content=”Right click and select ‘Save Link As’ or similar to save the PDF to your computer. Alternatively, click on the link, then once open, right click and ‘Save As’  If this all fails, call 1300-667-218 and ask one of our friendly team to email you a copy.” group=”1″ use_oembed=”false” ]Click[/tipsy]  HERE do download the PDF version of this Case Study.

     

    Call Mycra Lawyers today if you are struggling with bad credit and need a hand getting it removed fast.  Call 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_separator style_type=”shadow” top_margin=”” bottom_margin=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”#ffffff” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”#1e73be” border_style=”dashed” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”yes” equal_height_columns=”yes” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” flex_align_items=”stretch” border_sizes_top=”2px” border_sizes_bottom=”2px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_2″ layout=”1_2″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=””][fusion_text]

    Do You Want To Discover The Secrets Behind The Amazing Success In Removing 9 Out-Of 10 Defaults By MyCRA Lawyers?

    Enter your details now
    Enter your details now

    If you answered YES, Enter your details to register for your free initial consultation (no obligation) where you’ll uncover exactly what it takes to remove your defaults …

    MyCRA Lawyers, Your Credit Repair Experts.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”1_2″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”#1e73be” border_style=”dashed” padding_top=”10px” padding_right=”10px” padding_bottom=”10px” padding_left=”10px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”2px” border_sizes_bottom=”2px” border_sizes_left=”2px” border_sizes_right=”2px” first=”false” spacing_left=”2%” min_height=””][fusion_text]Fill in your details below to register for an obligation free, free initial consultation.

    [contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Mike Goldman

    [fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]Mike Goldman is very busy these days with his new movie “Killing Goldman” and just like you, Mike had an unfair default listed on his credit rating.

    Mike had a default listed by a phone company that was not only unfair, but upon investigation also unlawful.

    If you would like your bad credit rating repaired, call MyCRA Lawyers now on 1300 667 218

     

    Here’s what Mike had to say:[/fusion_text][fusion_youtube id=”d9l1gZdKH8o” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_text]

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

    [/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” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Testimonial: Belinda tried and failed for 12 months before finding MyCRA Lawyers to help her fix her bad credit

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Here’s the video testimonial we got today from Belinda Smith who had a very hard time.
    She was trying to get Veda Advantage, The Office Of The Information Commissioner and the Creditor themselves to remove the default but with zero success.

    She had given up.

    Click the video below to hear her story. (There are captions if you can’t hear it where you are now…)

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_youtube id=”1H6BzcOwcmw” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Here’s the transcript…

     

    Hi, my name is Belinda.

    I have recently had a default lifted from my name by MyCRA Lawyers.

    We went for a bank loan, and it got rejected because of the default. I rang the company that placed the default to see if this was true and in fact it was.

    I spent the next 12 months, making phone calls, emails, contacting Veda, contacted the Australian Information Commissioner in Sydney – nobody could help. I could note get my default lifted – we had given up hope.

    Our financial broker suggested that we gave MyCRA Lawyers a call. I cannot express my gratitude to the team at MyCRA Lawyers. They’re understanding.

    Graham Doessel, the CEO of MyCRA Lawyers, rang me many times, discussing my default, and when that phone call came from him personally, to say that my default had been lifted, I can’t express my emotions at that moment. There were tears, there was laughter, there was – it was just an overwhelming feeling. So I would like to say thank you, for all their hardwork.

    If you need a lawyer for any reason, or a default or any other reason you might need a lawyer, give MyCRA Lawyers a call. See if they can help.

    But I would just like to say a big thank you. Thank you for helping us, and thank you for letting us, now we can move on. So thank you.

     

     

    If Bad Credit is still making your life difficult and you want help removing it, Call MyCRA Lawyers now on 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]Click the play button below to hear the (slightly edited) version of the phone call between Graham Doessel and Belinda Smith as Graham tells Belinda that her default has been removed.

     

     

    Congratulations Belinda… 🙂

    [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ hide_on_mobile=”no” class=”” id=””] Belinda Smith 5 star Face Book review[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=””][fusion_imageframe lightbox=”no” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Email Campaign – 16 July 2015 -Veda Advantage issued a notice…

    Recently, (11th May 2015) Veda Advantage issued a notice to it’s subscribers that they would no longer be removing Court Judgments when a Notice Of Discontinuance is filed.

    [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”]

    Ve Da Judgment rules have changed
    Ve Da Judgment rules have changed

     

     

     

     

     

     

     

     

     

     

    HOW DOES THIS AFFECT YOU AND/OR YOUR CLIENTS

    If you use a credit repairer that is NOT a Law Firm, there is a very strong chance they will not fully understand the intracies and legal ramifications of having the Judgment removed.

    Can you and your reputation really afford to take the risk?

    Call MyCRA Lawyers now on 1300 667 218 for a no obligation chat.

    By the way, here’s a short video showing you how easy it is to refer a friend or your client online right now… (Has subtitles in case you’r speakers don’t work)

    [/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”]

    How to refer a friend or client with MyCRA Lawyers online referrer form
    How to refer a friend or client with MyCRA Lawyers online referrer form

     

     

     

     

     

     

     

    Kind regards
    Mycra Lawyers

     

    Graham Doessel
    Chief Executive Officer

    [/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”]

    GD-passport-style
    GD-passport-style

     

     

     

     

     

    Tel: 1300 667 218

     

     

     

     

    Did you see the Mike Goldman (From Big Brother etc.) Testimonial?

    Watch the Mike Goldman Video here (Has subtitles in case your speakers don’t work)

    [/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”]

    Mike Goldman thanks MyCRA Lawyers
    Mike Goldman thanks MyCRA Lawyers

     

     

     

     

     

     

     

     

     

     

     

    Call Mycra Lawyers now on 1300 667 218 if you need to imagine how relieved you’ll feel when you see yourself with  a clean credit rating and your broker or bank says “APPROVED” – You just might think to yourself how glad you are that you decided to choose Mycra Lawyers.  Call now – 1300 667 218


    We now have a direct dial number for Accredited Brokers
    [/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][]  (also, have you spoken to Gerard McDonald yet?  He is ex Liberty, understands what you need as a broker and is 100% focused on helping you settle more deals –  call him on 0438 744 278 or email him at GM@mycralawyers.com.au)

    With close to 3.4 Million bad credit listings on more than 16.5 Million credit files in Australia, it’s not surprising that brokers come face to face with clients credit file defaults every single day and with the GFC and tightening lending criteria, it seems to be getting harder and harder to be a broker.

    Picture this…

    You have a client contact you, it’s a straight forward deal, sweet, this one will go towards this month’s mort.gage payment… then out of the blue, the client says, “that default on my CRA won’t make any difference will it?” (If they tell you at all)

    Your heart sinks… you think to yourself,  “why couldn’t they have told me at the start…”

    You know that the default has seriously limited the number of lenders that will even look at the deal let alone approve it…

    I’m sure the above scenario is one that all too many brokers have seen in the past. And all too many Brokers have had no where to go… The deal was lost and the commission was gone…

    All that hard work for nothing… Oh well, at least you found out early in the piece…
    Recently a solution popped up…

    How about removing the default from the clients Credit File…

    And you can make a few bucks as well… (But more about that shortly..)

    Mycra Lawyers is not just another ‘wannabe’ that says a lot but does very little…

    Mycra Lawyers puts its money where its mouth is… and with a 91.7% hit rate, we can afford to.

    Historically, up-to 91.7% of all Credit file repair applicants achieve a positive outcome.

    We believe this is the best strike rate in the country we recently cleaned up a credit file in just 18 minutes.
    But hold on, there is a hitch, before reading any further, We need to make sure you qualify…

    • Are you a Broker?
    • Do you still actively submit deals?
    • Have you ever lost one due to defaults?
    • Do you want more deals to settle?

    If you answered YES to all 4 questions then read on..

    %%First Name%% if you counted up how many deals you’ve lost due to bad credit, and then added up the commission that’s not in your pocket because of it, don’t you think you deserve to have Mycra Lawyers as an option to help your clients? (and you)

    Here is what one broker has had to say about the process:
    ________________________________________________

    Hi Guys,
    Please use this to help convince more brokers to get credit files fixed.
    Happy to help in any way I can.
    If other brokers only use you once a month they could add thousands to their bottom line every year..

    Thanks heaps for the help

    Pete.

     

    These guys really help us brokers especially as we seem to come up against a credit impaired client at least once a week.

    One of my clients recently wanted to re-finance and went to the NAB, they told him he had a $4,127.00 paid default that he knew nothing about.  He also had a court Judgement from 2005.  Funny enough, they said no.

    As it happens, the client had a dispute with a creditor, he won the argument and paid the bill and was unaware that the creditor had listed him on his CRAA.

    When I got the client, he told me about the CRAA and we talked about getting it fixed.  We did the numbers and it made good financial sense.  If we could get him placed as nonconforming, the rate would be much higher and the LVR much lower…  Getting his CRAA fixed was a lot better solution.

    I have now settled on this deal.  The client is very happy with his standard rate and I got paid too. ($843,214.00 Re-finance)
    PS VIC

    _________________________________________________

    More and testimonials referrals 
    and video testimonials

    _________________________________________________
    Check us out at www.mycralawyers.com.au, then call Mycra Lawyers now on 1300 667 218
    (Or direct on 07 3124 7133) or
    email info@mycralawyers.com.au for more information.

    If you would like to jump the queue and get straight down to it.. so you client is automatically tagged to you as their broker

    Help your client understand our process, send them through and we’re on our way to getting another deal settled for you.

    Once you are comfortable with who we are and what we do, I can talk to you about the referral program that could see you making or passing on to your client up to 7.34% of your clients total professional fees on each credit file repair.

    Thanks for taking the time out of your busy schedule to read this.

    Please come back to me personally if you have any questions.

    Kind regards
    Mycra Lawyers

     

     

    Graham Doessel
    Chief Executive Officer
    Tel: 1300 667 218[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • How To: Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired Too

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_title size=”2″ content_align=”left” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]This Video Shows You How To Easily Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired.[/fusion_title][fusion_text]The form has changed a little to make it easier for you.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_youtube id=”GGhQf1bV_rQ” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_text]In this Video we show you how to:
    Easily Refer A Friend Or Client To Mycra Lawyers To Have Their Credit Rating Repaired Too.

     

    Transcription

    In this video we’ll show you how easy it is to refer a client or a friend to Mycra Lawyers.

    Hi I’m Graham Doessel, Chief Executive Officer.

    First thing of course is to make sure you’re at Mycra Lawyers home page. That’s M-Y-C-R-A Lawyers – L-A-W-Y-E-R-S dot com dot au home page.

    Once your there, just click on the – sorry hover over the “Home” button and click on “refer a friend”. if that button has moved at any stage, you can always just type in the full address: www.mycralawyers.com.au/online-referrer

    That’s www.mycralawyers.com.au/online-referrer.

     And it’s very very simple. It is just a matter of filling in the form. here we have your details so –  your details go in here, and your client details go down the bottom here in the green so you’re in the orange, clients in the green. And as soon as you fill that data in, press “send your referral” down here. Just here. Press “send your referral”. What that will do is when you put your email address in here – just here – it will send you a copy of the referral and it will send a copy directly to Mycra Lawyers as well.

    You get the choice to choose whether or not you want us to contact the client directly or just give you a call first. It’s entirely up to you. We want to work with you the easiest way possible.

    So, that’s how easy it is to send a client – refer a client or a friend to Mycra Lawyers.

    Hope that helps.

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

  • Case Study Daniel From Vic Axess Default Bad Credit Repair

    [fusion_builder_container hundred_percent=”yes” overflow=”visible” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=”” border_sizes_undefined=”0px” first=”true” min_height=”” hover_type=”none” link=”” border_position=”all”][fusion_imageframe image_id=”7670|full” max_width=”” sticky_max_width=”” style_type=”none” blur=”” stylecolor=”” hover_type=”none” bordersize=”0px” bordercolor=”” borderradius=”0″ align_medium=”none” align_small=”none” align=”left” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” lightbox=”no” gallery_id=”” lightbox_image=”” lightbox_image_id=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”no” sticky_display=”normal,sticky” class=”” id=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” 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/2015/10/ML-logo-letterhead-header-20151015-e1445322644153.png[/fusion_imageframe][fusion_text]

    Bad Credit Rating Removal Case Study

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

    Client Profile:

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

    Name: Daniel
    State: VIC
    Sex: Male
    Age: 26
    Married/Single: De Facto
    Listing Type: Default
    Original Creditor: Vodafone
    Current Creditor: Axess Debt Australia
    Paid / Unpaid: Paid
    Listing Amount: $691
    Commenced work: 03/11/2014
    Default Resolution: 15/12/2014
    case study image

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=”” border_sizes_undefined=”0px” first=”true” min_height=”” hover_type=”none” link=”” border_position=”all”][fusion_text]Credit Repair Background:
    Daniel was still living at his parents’ house when this default was reported on his credit file. At the time of the listing, he was suffering emotional and financial hardship due to his brother passing away. This situation resulted in him being unable to work which resulted in him being unable to pay his bills.

    What were any challenges with the creditor?
    There were no issues with the creditor as we presented our case and  they responded to our requests in a timely manner.

    Why was the listing removed?
    Our team informed Vodafone of the circumstances that surrounded Daniel at the time of the listing. They were completely understanding of his situation and understood why he was not able to discuss his circumstances with them at the time. They requested a stat dec to outline his hardship and removed the default once this was provided.

    Summary:
    Daniel approached Mycra Lawyers with 3 remaining defaults as he had previously used another Credit Repair Firm who had been unsuccessful in removing these listings. Daniel was able to have these other listing removed in 30 days also-   Congratulations Daniel!

     

    Click HERE do download the PDF version of this Case Study

     

    Call Mycra Lawyers today if you are struggling with bad credit and need a hand getting it removed fast.  Call 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Australians are battling with creditors and agencies over their credit rating

    CREDIT rating defaults are very easy to come by, but not so easy to remove on your own, according to credit repair company MY CRA.

    Director GRAHAM DOESSEL says it would surprise most people that thousands of Australians have black marks against their names, and many are unaware they have them until they apply for credit. When they attempt to remove those blemishes themselves, they are coming up against a brick wall.

    “Every day I deal with people who have experienced difficulty in removing defaults themselves with the credit reporting agencies. Effectively even if the default is not yours, even if you have suffered from identity theft, many times all a credit reporting agency will do is mark the listing as paid.”

    “In these economic times, any black mark will stop people obtaining a home loan with most lenders.  In fact at the moment, even having a few ‘credit enquiries’ on record can be enough for an automatic decline, even if there are no defaults” Mr DOESSEL says.

    There are different types of what may be considered ‘bad’ credit ratings from external administrations and bankruptcies through to credit defaults and even excess credit enquiries. If people have overdue power bills, rent and phone bills of more than 60 days late then a provider has the right to notify you of their intentions to record this default on your credit file.  This default will stay on record for 5 years regardless of whether it has been paid.

    “A couple we worked with recently went to apply for a home loan and were told the loan was denied because they had a default on their credit rating.  They were really surprised as they had genuine savings and what they thought was no debts.  It turned out they had missed a payment of $180 on an electricity bill and the company had listed the default on their credit file even though the bill had later been paid.  They were not notified of this listing”.

    “When they attempted to clear the default they had a terrible time and were eventually told by VEDA that defaults are never removed but can be marked as paid. The couple thought this was not good enough and contacted us (My CRA) to see what could be done.  We were able to step in and actually remove the default.  Luckily the couple were able to purchase a home in the future” Mr DOESSEL says.

    Mr DOESSEL says this is a common complaint amongst his clients “Generally speaking, because people don’t have experience and don’t know the appropriate legislation, the creditors bluff their way out of doing anything. Many clients are jaded wasting months and sometimes missing out on houses, basically getting very frustrated with the whole process”.

    A study conducted by AUSTRALIAN CONSUMER ASSOCIATION (now CHOICE magazine) in 2004 found as much as 30% of all credit files contained errors. Often the defaults have been listed without due process followed and before clients have been notified of the creditor’s intention to list a default.

    Under the current legislation, errors on your credit file can and should be removed. So with the difficulties faced by clients in negotiating with creditors, third party credit file repairers like MY CRA have been sought out by time poor and frustrated clients.

    The process of removing a default, writ or judgment is much easier than doing it alone. The client obtains a copy of their credit file, notifies in writing the black marks they feel are listed incorrectly or unjustly and together with authority forms, forwards it all on to the credit repairer.

    The credit repairer then deals with the appropriate parties and negotiates on a person’s behalf to erase these blemishes.

    Mr DOESSEL says if the default, judgment, writ or other black mark is listed incorrectly, unjustly or just shouldn’t be there at all, provided you are using an experienced and skilled credit repair company, then there is a strong chance it can be erased.

    Currently MY CRA’s had up to a 91.7% success rate in default removal and can be removed from as little as 3 days but average is around 45 – 60 days.

    “For example, we had a client who had a single default with a phone company which was due to a mix up with addresses. They had failed to contact her about it, and it was only when she applied for store credit a couple of months later that she became aware of the default. We were able to remove that default in 4 days for her” Mr DOESSEL says.

    He says if people don’t have the time or patience to deal with creditors and need an absolutely clear credit file, then they would be suitable candidates for MY CRA services.

    The MY CRA website has more information for people who are struggling with their credit file. There are fact sheets on how to go about removing defaults and more information on credit and its consequences in AUSTRALIA today. www.mycra.com.au

    ###

    Please contact:

    Graham Doessel      http://www.mycra.com.au/

    Ph: 07 3124 7133

    246 Stafford Road, STAFFORD QLD.

    Link to info on ACA report:

    http://www.theage.com.au/news/business/record-class-action-possible-against-veda/2007/05/01/1177788141045.html

    About MyCRA.com.au

    MyCRA.com.au is 100% Australian owned and operated and we are based in Stafford, a northern suburb of Brisbane in Queensland.

    My CRA was developed for the sole purpose of giving clients access and ability to work with their Credit File.   This is in order to give them the best chance of getting approval, getting a lower interest rate or just to reduce the upfront fees that can be associated with obtaining credit

    We have more than 30 years combined experience in working with and helping clients with their credit files. We are  the fastest known credit file repair agency in Australia and can often remove judgments in as little as 3 days.

  • 7 Reasons a Broker should recommend a credit rating repairer

    When brokers meet clients many times they find that all the finances stack up well for approval, until a credit check is performed and it reveals some defaults that will not get the deal over the line. GRAHAM DOESSEL was a broker with his own company ‘MORTGAGE NOW’ before founding his credit rating repair company MY CRA.

    He nominates bad credit ratings as being the number one frustration for many brokers. “Often times the clients don’t even know they have a bad credit rating. It’s only once the credit check is done that these problems arise – and sometimes unpaid bills for as little as $200 can kill the deal”.

    “A loan with a non-conforming lender is not always viable. Also sometimes the clients aren’t willing to pay the higher interest rates for this type of loan” he says. Sometimes a non-conforming lender is not the only option to take to rescue a bad deal.

    A credit rating repairer works by negotiating on behalf of the client to remove defaults from their credit file; thus clearing the file for any future borrowing. Here’s how a credit rating repairer can benefit these clients and your brokerage.

    1. Saves time Turnaround can be slowed down because the credit file is not perfectly clear. Or if a client really needs to repair their credit rating to get approval, they have two options. They can have the default removed by a credit repairer, or they can take out a series of smaller loans and repay those in order to improve their rating. The latter can take months or years to improve someone’s rating, yet employing the services of a reputable credit repairer may only take a few days – depending on the nature of the default. “In some cases, brokers have recommended My CRA and we have cleared the credit file all within the finance clause of the house contract” Mr DOESSEL says. The credit repairer negotiates on behalf of the client to have the default/s removed from their file. This is due to professional knowledge of creditors, processes and current legislation.
    2. Saves clients It could be possible to rescue those hundreds of clients per year who would not qualify for any loan due to crippling defaults. Although not every client is eligible for credit repair due to the nature of their default –for those who are eligible the success rate is high. The first step is to refer that client to a credit repairer who will assess their situation. “We have a 97.1% success rate in removal for every case we take on” he says.
    3. Saves money Credit rating repair allows brokers to get a better deal for their client. Instead of referring people to a non-conforming lender at a high interest rate (of which they will switch in time and possibly pay exit fees to do so) the client can save thousands by having their credit file cleared. This would allow them to go with a lender at a lower interest rate. The fee they pay the credit repairer is miniscule compared with the thousands they will save on interest and exit fees.
    4. Creates trust In business if someone is willing to really help clients with the best thing for them, they will reap the long term rewards. Sometimes the best thing for people is to start fresh with a clean slate. If brokers are able to offer people the best long term deal for them, then they may have that client for the long term and will be seen as their trusted advisor for life.
    5. Creates referrals Clients will tell others how well they were looked after by not only the credit rating repair company but the broker who referred them in the first place. All business is sent back to the referring broker once the credit file is cleared.
    6. Creates financial freedom A clear record can allow clients to take out not only first mortgages, but can be the catalyst that sets them on the road to borrowing for investment properties; business ventures etc – all using their familiar and trusted mortgage broker.
    7. Educates and empowers If brokers were to recommend a credit check at their first meeting – it could save lots of heartache for the client and time for the broker. “More needs to be done to educate people on their credit rating, how easy it is to get a default slapped on their file and the ramifications of this before they are sitting opposite a broker applying for a home loan” “I tell people they should check their credit file every 12 months, much like they do with their super or bank statements to make sure everything is in order. This will pick up any errors straight away” Mr DOESSEL says.

    For more information on credit repair and testimonials from brokers, please visit http://www.mycra.com.au/

    ###

  • Plain English Credit – What you should know about taking on credit

    What you should know about taking on credit

    What is my credit rating?
    Your credit rating is a file on your credit history and is collated by the major credit reporting agencies if you have ever been credit-active.  Your credit rating is then checked by any financial institution or credit provider and is used to assess both the amount you are able to borrow and your ability to repay the loan.
    What does ‘credit active’ mean?
    Anyone that has borrowed money, or has established an account for services is credit active and will have a file in their name. This includes mobile phone plans, accounts with utility companies, rates accounts and of course loans of any kind.
    What is defined as a ‘bad’ credit rating?
    In broad terms, any credit defaults, court actions or writs, external administrations and bankruptcy are all recorded on your credit file and would be considered ‘bad’ credit history by most credit providers.
    In this current economic climate basic defaults and even too many credit enquiries or applications for credit may be considered to be tarnishes on your credit rating.
    How do I know if I have a bad credit rating?
    If you are unsure what is on your credit file, it would be worth taking the time to find out.
    There are three major credit reporting agencies in Australia: Veda Advantage – which holds the credit file of over 14 million Australians, Dun and Bradstreet and Tasmanian Collection Service.
    You can write to or email one of these agencies and request a copy of your file.  If you are not in a hurry there is no charge to you but it will take 10 working days from application to receive this information.
    What is not realised by many people is how easy it is to have a default slapped on their file.  If a bill is more than 60 days late (including rates, power, mobile phones) then a provider has the right to notify you of their intentions to record this default on your credit file. Even if this bill is paid and noted on your file, this default usually remains on your record for 5 years.
    I have found defaults on my credit rating, what are the consequences of this?
    If you discover you have a bad credit file, you will find it very difficult to obtain credit in the future. Generally this problem will keep occurring for the 5 years the default is on your file. This will probably prevent you from obtaining a home loan with most lenders and possibly lead to credit refusal of many kinds from cards to phone plans.
    What can I do to fix my credit rating?
    Once you have obtained a report there are three things to consider:
    1. Check the accuracy of the report. If there are errors, be aware you do have the right to have errors rectified.  Likewise, if there are numerous strange defaults and or applications for credit that you don’t recognise – you would need to immediately investigate these and notify Police in case of identity fraud.
    2. Check you were informed of any intention to list. Current legislation requires you to have been informed in writing of any intention from creditors to list you as a defaulting on credit.
    3. Check the fairness of the listing. Only serious credit infringements should be recorded, or overdue bills in which 60 days have elapsed since payment was due.
    How does My CRA work to repair my credit rating?
    In many cases where people have attempted to remove the default themselves, they have come across difficulties and defaults have not been cleared. Most times the creditor will explain to the client that defaults DONT EVER get removed. The best they can do is mark the listing as paid (if it’s been paid).  This may not be sufficient to ensure credit is obtained with some lenders.
    If you have a default, writ or judgement that has errors or just shouldn’t be there – there is a good chance that My CRA can actually remove it – meaning your financial future is looking a whole lot brighter.
    My CRA works with creditors to negotiate on your behalf and work for your best outcome based on the creditor’s compliancy with the current legislation. We will also look at any other extenuating circumstances to determine if there is an avenue we can investigate which results in having the listing removed.
    We have had up to a 91.7% success rate with cases we take on.   Many credit ratings are cleared within or around 21 working days though some do take longer depending on the difficulty of the case.
    Should I try to cut out all credit from now on?
    Credit is not all bad.  In fact, not having ever taken out credit can harm your chances of obtaining a loan just as much as having a bad credit rating.
    However, we do advise you to be cautious with credit. Start small, for instance a mobile phone plan or store credit card. Make all repayments on time and work methodically to build up a solid credit history.
    What can I do to maintain a good credit rating?
    1. Make all payments on time. This is the easiest way to ensure there are no discrepancies or defaults on your credit file.
    If you are unable to make a payment on time, contact the creditor. They may be able to set up a payment plan for you until you get back on your feet.
    2. Regularly obtain a copy of your credit file – once a year is recommended.
    3. Sign up for Veda Advantage’s Alert system. For approximately $50 per year they can send you a copy of your credit report and email you of any changes made to your credit file within the 12 months of membership.
    4. Keep credit card limits within a set budget. Don’t be tempted to accept the sky high limits some banks offer as it could encourage you to spend needlessly and blow out your budget.
    5. Be aware of excessive credit enquiries. If you are not sure about your credit health, get it checked before applying for new credit. Declined credit applications on a person’s file can hinder their chances of obtaining a loan. Some lenders are rejecting loans for as little as two enquiries in 30 days, or six enquiries within the year.
    6. Don’t shop around for credit. You should only apply for credit you have full intention of pursuing. Every application for credit will be noted on your file, but it does not say whether the application was approved or declined. It could look to creditors like you have been declined multiple times.
    Please Note: Our previous results of up to 91.7% have applied only to consumer applications and past results are no indication of future performance
  • How often should I check my credit file?

    My CRA recommends you obtain a report on your credit file on a regular basis, usually every 12 months.  There are a number of reasons you should check your credit file regularly.

    • Any listings that have been added to your file without your knowledge have been added incorrectly.  They are therefore errors on your credit file and can be removed.
    • If you are going through a divorce or separation, your spouse could have incurred debt in your name without your knowledge.
    • You may have been the victim of identity fraud.  On your file could be credit applications and defaults from different providers in your name that you have no knowledge of.
    Veda Advantage has a facility available called ‘Veda Alert’.   For a fee, Veda can send you a copy of your credit file within one working day, and alert you to any changes to your credit file over 12 months.

    If you would like more information on removing defaults from your credit rating, please call 07 3124 7133 of log onto www.MyCRA.com.au for FREE information

  • Some of the MyCRA team in action

    Here’s a quick snap of a few of the team working feverishly on your defaults…

    Go team…