MyCRA Specialist Credit Repair Lawyers

Tag: fix bad credit

MyCRA Lawyers iPhone Giveaway
[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”1″ content_align=”center” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]

Win An iPhone SE Valued At $679

[/fusion_title][fusion_title size=”2″ content_align=”center” style_type=”default” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]Refer a client using the link below and go in the draw to win a beautiful 16Gb Gold iPhone SE[/fusion_title][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”flash” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_button link=”” color=”default” size=”” stretch=”” type=”” shape=”” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-hand-o-up” icon_position=”left” icon_divider=”no” modal=”refer_a_friend” animation_type=”bounce” animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Click HERE NOW To Refer A Friend[/fusion_button][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]How to get into the draw for a brand new 16Gb iPhone SE (Gold in colour).
- Refer a potential credit repair client to MyCRA Lawyers using the form HERE
- All we need is their first and last name, email address, and mobile number, but if you can include their state, it’ll mean we don’t wake them up early (if they’re in WA)
- Competition closes COB 31/05/2016
- Drawn 01/06/2016 at our offices in Brisbane
- One entry for every lead (with minimum qualification details as above) (two entries for every lead if you’re an accredited referrer)
For more information, please call 1300-667-218. Here’s a link to the Apple website showing you how cool the iPhone SE is.
http://bit.ly/ML-iphone_se[/fusion_text][fusion_modal name=”refer_a_friend” title=”WIN An iPhone SE” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]

When you add your details in the referrer section at the top and your friend or client’s details beneath that, both you and MyCRA lawyers team will be emailed a copy of your referral.

Your details will then be automatically tagged to your client. This’ll mean (as long as your client authorises us) we can keep you fully up-to-date and ensure your client is returned to you with a squeaky clean, shiny new credit file so you can write their loan.

[contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][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]

apply.
Authorised under NSW Permit No. LTPS/16/03317

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29/04/2016
MyCRA Lawyers iPhone SE Giveaway Terms

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1. Information on how to enter prizes form part of these conditions of entry. Entry into the promotion is deemed acceptance of these conditions of entry.
2. Entry is open to residents of Australia who are aged 18 years and over. Employees of the Promoter, the Promoter’s associated companies, the Promoter’s agencies associated with this promotion and their immediate families are ineligible to enter.
3. Promotional Period – The promotion commences 12:01am AEST on 27 April 2016 and closes 4:59pm AEST on 31 May, 2016. (“Promotional Period”).
4. To enter the promotion, eligible persons must, within the Promotional Period, refer a qualifying lead by completing all from fields in the online form at https://mycralawyers.com.au/online-referrer with a minimum of the leads first and last names, email address, mobile phone number and a need for credit repair services.
4(a) Each qualifying lead will earn you one entry into the prize draw. Limit of one entry per qualifying lead in each draw. No responsibility will be taken for entries lost, delayed or not completed properly.
5. After the Promotional Period there will be one (1) Major Draw (1 x Gold iPhone SE valued at $679).Total value of all prizes awarded during the Promotional Period is $679.
6. The draw will take place at 9am at 246 Stafford Road, Stafford on 1st June 2016.
6(a) The winner will be notified by email and the winner’s first and last name and State will be published on www.mycralawyers.com.au.
7. The first eligible entry drawn from all eligible entries received during the promotion will win the iPhone SE.
8. If any of the prizes are unavailable, for whatever reason, the Promoter reserves the right to substitute any of the prizes for a prize of equal or greater value.
9. Prizes are subject to availability.
10. Entrants can only enter in their own name and use their own email address. The Promoter reserves the right to request winners to provide proof of identity, proof of residency at the nominated prize delivery address, and/or proof of entry validity. Proof of identification, residency and entry considered suitable for verification is at the discretion of the Promoter. The Promoter reserves the right to validate and check the authenticity of any prize claim or entry before awarding a prize.
11. Entries will be deemed to be accepted at the time of receipt and not at the time of transmission. Incomplete or incomprehensible entries will be deemed invalid. No responsibility will be taken for lost, late or misdirected entries.
12. In the event that for any reason whatsoever a winner does not take the prize at the time stipulated by the Promoter, then the prize will be forfeited by the winner and cash will not be awarded in lieu of that element of the Prize.
13. The prize is not transferrable and redemmable for cash.
14. The prize must be taken as offered and cannot be varied. Prize values are GST inclusive and are in Australian dollars and are the recommended retail value as provided by the supplier and are correct at time of printing. The Promoter accepts no responsibility for any variation in prize value.
15. The Promoter’s decision in relation to any aspects of the competition is final and binding on every person who enters and no correspondence will be entered into.
16. The Promoter and their associated agencies, and companies associated with this promotion will take no responsibility for prizes damaged or lost in transit. Once prizes have left Promoter’s premises, the Promoter will not be responsible for any delay in delivery, or failure of safe delivery of prizes.
17. Prize winners are advised that Tax implications may arise from their prize winning and they should seek independent financial advice prior to the acceptance of the prize.
18. The Promoter shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained in connection with any prize/s except for any liability which cannot be excluded by law.
19. The Promoter is not responsible for any incorrect or inaccurate information or for any of the equipment or programming associated with or utilised in this competition, or for any technical error, or any combination thereof that may occur in the course of the administration of this competition including any omission, interruption, deletion, defect, delay in operation or transmission, communications line or telephone, mobile or satellite network failure, theft or destruction or unauthorised access to or alteration of entries.
20. The Promoter reserves the right in its sole discretion to disqualify any individual who the Promoter has reason to believe has breached any of these conditions, or engaged in any unlawful or other improper misconduct calculated to jeopardise the fair and proper conduct of the promotion. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
21. All entries become the property of The Promoter. Eligible entrants consent to the use and disclosure of their information for the purposes of this competition by The Promoter and its agents associated with this competition. Eligible persons agree that by submitting an entry, you agree that the Promoter may use your email address to send information and promotions concerning third party products and services and also supply your contact information and questionnaire responses to companies so that they may use them to contact you by mail, phone, SMS, MMS or email to send offers and promote services based on your preferences. If entrants do not consent to their details being used for future marketing purposes, the entrant should contact The Promoter on their details set out below. Any request to update, modify or delete the entrant’s details should be directed to The Promoter.
22. If for any reason this promotion is not capable of running as planned, including due to infection by computer virus, bugs, tampering, unauthorised intervention, fraud, technical failures or any other causes beyond the control of the Promoter, which corrupt or affect the administration security, fairness or integrity or proper conduct of this promotion, the Promoter reserves the right in its sole discretion to disqualify any individual who tampers with the entry process, and, subject to any written directions given by the various Lottery Departments, to cancel, terminate, modify or suspend the promotion.
23. In the case of the intervention of any outside agent or event which naturally changes the result or prevents or hinders it’s determination, including but not limited to vandalism, power failures, tempests, natural disasters, acts of God, civil unrest, strikes; the Promoter may in its absolute discretion cancel the event and recommence it from the start on the same conditions subject to State Regulation.
24. The Promoter is Legal Practice Holdings Pty Ltd trading as MyCRA Lawyers ABN: 46164014868
25. The Promoter reserves the right to amend these terms and conditions as required.
26. Authorised under NSW Permit No. LTPS/16/03317[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

29/04/2016
Here’s How To Get Up-To $400 In Referral Rewards Per Matter For Every Client That Starts A Credit Repair Application With MyCRA Lawyers
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Here’s How To Get Up-To $400 In Referral Rewards Per Matter For Every Client That Starts A Credit Repair Application With MyCRA Lawyers

That’s Right, Up-To $400 In Referral Rewards Per Credit Repair Matter Per Client – Keep Reading To See How…

[/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]

As you’ll already know, the referral fee set out in the MyCRA Lawyers Credit Repair Client Agreement is 7.34% of the total professional fees received from your referred client.

We have decided to ramp that up and Blow It Right Out Of TheWater…

Up To $400 in Referral Rewards per matter…
Here’s where it gets very exciting, liberating and rewarding… (By-the-way, each default on your client’s credit rating is a separate default credit repair matter)

You now have 2 amazing choices.
1. You can take the 7.34% referral reward by sending us an invoice at the completion of your clients matter; or
2. You can elect to take the 20% offer in legal services (see below).
How does the 20% offer work…
As soon as your referred clients have spent $10,000 in total professional fees, you can redeem up to $2,000 in professional services through any of my Law Firms. This can be services like:
- $2000 in Credit repair services (for you or your clients)
  - I.e. one free or four at $500 off each; or
- Debt Negotiation Services (Lowering the amount you owe to your creditors);
- Bill paying and budgeting services (Through Your Budget Now);
- Applying for a work licence or special hardship application for a licence (Through ADS Law);
- Your QLD conveyancing (Other States coming on soon) (ADS Law);
- Having your Will created or updated (ADS Law);
- Seeking advice on HR and Employment matters (ADS Law);
- Immigration Matters (Visa Easy);
- Or any other legal service as required (ADS Law)
These offerings are ONLY available to Accredited referrers directly. The Accredited Referrer that referrers the client claims the reward.

The 20% offer is available on any matter where no other referral fee has ben claimed.

Offer may only be available for a limited time.

[/fusion_text][fusion_separator style_type=”none” top_margin=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text]As you think about who you might refer, you might think back over the clients that have been rejected for credit issues by you or your lenders for the past 3 or so years. Hope is an amazing gift you can give them and it’ll cost you nothing to mention MyCRA Lawyers to them all. Refer them through using our simple and convenient 90-second online referral form by clicking the button below.[/fusion_text][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Quick – Easy – 90 Second Client Referral – Click Here Now[/fusion_button][fusion_separator style_type=”none” top_margin=”15″ bottom_margin=”5″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding_top=”5px” padding_right=”5px” padding_bottom=”5px” padding_left=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_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

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Dr Kamal Zgheib default removal | MyCRA Lawyers Testimonial

Listen to the Telephone call between Graham Doessel and Dr Kamal.
https://mycralawyers.com.au/wp-content/uploads/2015/12/Dr-Kamal-Testimonial-call-OUT47-20150717-140436.mp3
[/fusion_text][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_section_separator divider_candy=”bottom” icon=”” icon_color=”” bordersize=”1px” bordercolor=”#333333″ backgroundcolor=”#333333″ class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2015/09/bkgd_bw2.jpg” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_size=”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″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Jess” avatar=”female” image=”” image_border_radius=”” company=”Qld” link=”” target=”_self”]Thank you so much for a great service that was professional and very prompt.[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Sean” avatar=”male” image=”” image_border_radius=”” company=”NSW” link=”” target=”_self”]thanks a lot for stellar results on the client I referred Friday. Credit Card Default from a trigger happy major was removed in 3 days. Impressive[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_3″ layout=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Joseph” avatar=”male” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]I would like to inform you that, after spoken to you yesterday, I called Veda and they told me that my credit default has been removed. I also ordered for my new credit report and indeed the Optus default listing was not there, plus my credit score went up 546 – 716%. I Just want to thank you guys for following up
Thank you
[/fusion_testimonial][/fusion_testimonials][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”20″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/fusion_builder_column][fusion_builder_column type=”1_2″ layout=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_testimonials design=”classic” backgroundcolor=”” textcolor=”” random=”” class=”” id=””][fusion_testimonial name=”Awhina” avatar=”female” image=”” image_border_radius=”” company=”WA” link=”” target=”_self”]Thank you very much for your prompt handling of this matter. Thank you also to Corey who saved me a lot of to and throw (billing minutes) by quickly accessing my file for an up-to-the-minute update, supported by ‘NOW’ emails regarding progress, including clear understandable trust account billing.

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

MyCRA delivered on time and on budget.

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

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

As you think about who you might refer, you might think back over the clients that have been rejected for credit issues by you or your lenders for the past 3 or so years. Hope is an amazing gift you can give them and it’ll cost you nothing to mention MyCRA Lawyers to them all. Refer them through using our simple and convenient 90-second online referral form by clicking the big Green Button to the right.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_5″ layout=”2_5″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”30″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-user-plus” icon_position=”left” icon_divider=”no” modal=”online-referral” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=””]Quick – Easy – 90 Second Client Referral – Click Here Now[/fusion_button][fusion_modal name=”online-referral” title=”Refer Your Client Safely, Quickly and Easily To MyCRA Lawyers.” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][contact-form-7 id=”6860″ title=”Online Referrer”][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none” last=”no” hover_type=”none” link=”” border_position=”all”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=”” /][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” min_height=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
29/12/2015
Case Study Lisa From WA A and S Default Bad Credit Repair

Click this link to download the PDF – Mycra Lawyers Lisa Default Case Study

Card

11/06/2015
What you should know about credit repair

Is your credit rating letting you down, and want to know the best way to fix bad credit in Australia? Or want to know some tips and tricks to credit repair in Australia that many in the industry won’t tell you? I regularly write guest posts for popular broker publication ‘The Adviser.’ The post The Adviser published last week was called “What your clients should know about credit repair” and it explains the ins and outs of credit repair in Australia, and how clients experiencing bad credit can best safely and effectively navigate the credit repair industry. I have provided this post in its entirety, and recommend anyone considering credit repair to give it a read.

By Graham Doessel, MyCRA Lawyers www.mycralawyers.com.au.

As seen in The Adviser…

What your clients should know about credit repair

06 June 2014 | Graham Doessel

As a former broker, I know the hills you often need to climb to get deals over the line. One of those obstacles can be bad credit. When everything else stacks up – bad credit can be a deal breaker.

So naturally at some stage as you struggle with clients who would qualify apart from their bad credit, you may find yourself considering credit repair and its benefits to your clients.

So what is credit repair? For those that don’t know, credit repair is working on behalf of a client to assist in disputing an inconsistent credit listing or listings. Credit providers will only make corrections in accordance with the Privacy Act 1988 (Cth).

The information on the client’s credit report must be inaccurate, out-of-date, incomplete, irrelevant, or misleading to be removed. A credit repairer’s job is to find and argue inaccuracies in credit reporting.

I would love to say that every firm educates clients and brokers in this way. But in reality there are a whole ton of broken promises, misleading statements and at times out-and-out lies permeating the industry.

This can make it harder for clients to find those firms which have genuine skill and experience in the industry and who will act with ethics and integrity. Some brokers have a direct referral system with a reputable credit dispute firm for that reason. But if you don’t, how do you make sure your clients aren’t going out there blindly and making costly mistakes?

Here’s what your clients should know about credit repair:

1. Cheaper does not mean better

The cheaper the price, the less work that is probably being done on the credit file. We allocate about 28 working hours to each case because that is the average time frame involved if the job is done correctly.

2. Nothing is guaranteed

There are no guarantees with this type of work, but a firm should not take on someone they don’t believe they have a good chance of helping. This comes down to having trust in the firm you are recommending as well as the firm having a rigorous assessment stage. Clients should also be looking for published success rates and testimonials as evidence of a firm’s success.

3. Get it right the first time

Your clients may only have one chance to get it right. When clients have already used another company or have done some of the work themselves, it can place limitations on their case.

4. The ombudsman should be the last resort

Any credit repairer worth their salt should have access to more avenues of investigation and dispute than what an industry ombudsman can provide. They should be pursuing these before seeking an ombudsman’s assistance.

5. Beware of imprints

Be careful of firms which leave imprints on the credit file, as this could instantly undo all the work done in removing the credit listing.

6. Lawyers can help

A law firm will have the added protection of a state law society. A lawyer can act in court processes including the removal of judgment and writ services, which is something a non-lawyer can’t do. A lawyer can also identify and advise on legal issues; prepare binding agreements, conduct formal negotiations and then follow through with enforcement where necessary; make formal recommendations to credit providers making reference to the law, and make representations on their client’s behalf.

While credit reporting mistakes continue to come up on client credit files, there will always be a place for skilled credit reporting advocates in the finance industry. As brokers, more education about credit reporting can give you the power to contribute to a solution for the credit repair industry, and assist in minimising the current problem.

If you want to know more about credit repair and credit repair lawyers in Australia, or just want to talk to us about how we can fix your bad credit rating then you can contact us on 1300 667 218 or visit the link below.

FIX MY BAD CREDIT

Image: iosphere/ www.FreeDigitalPhotos.net

10/06/2014
Your Credit Rating – How to Get a Free Credit Check and What to Do if Your Credit Report Comes Back with Defaults

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We recently read a comprehensive article on getting a free copy of your credit report written by Alex Wilson over at online savings website – www.Savingsguide.com.au.

From the long list of comments on this issue, we can see just how many people in Australia still remain in the dark about how to even simply get a copy of their credit rating, let alone dispute any bad credit which they believe should not be there. We take you through some important points from this article and look in more depth at what you should do if you have something like a default or Judgment or other credit listings on your credit report that you feel is incorrect, inaccurate or unfair.

By Graham Doessel, Founder and CEO of MyCRA Lawyers and www.fixmybadcredit.com.au.

In the article How To Do A Credit Check – Check Your Credit Rating & Credit Report For FREE – you will learn how to perform a credit check to obtain a copy of your credit report. The importance of checking your credit rating – particularly prior to applying for a home loan, or other significant credit – cannot be overstated.

In this day and age, everything works on credit so you need to have a clear credit rating to be able to function well in society. If you cop a default on your credit file – you will be refused credit with mainstream lenders (at affordable interest rates). If you do get a loan, often the interest rate is much higher. You may also find you can’t get credit cards or mobile phones on a plan. But there are many people who don’t know they have a default on their credit file until they apply for credit and the bank does a credit check on them. To be one step ahead, it is better to check your credit file first – and give yourself a chance to dispute any bad credit history and have incorrect listings removed prior to applying for credit.

“I was worried about my credit report

If you are anything like me, you have probably missed a few phone bills, perhaps missed a mortgage repayment by accident or even worse – gone overseas and been missing in action for a few months with banks frantically trying to get in touch with you.

It made me wonder whether these oversights would affect my credit history and in turn my ability to borrow money come time for a home loan,” Alex writes in the article.

On a side note, oversights like forgetting a credit card bill, a mortgage repayment or any type of payment to a licenced Creditor will see a late payment notation added to your credit file now – and that will be visible from March 2014.

Just what impact this will have on your ability to obtain credit is still up in the air – but having too many late payments, or even just one, could mean you are refused credit, or offered credit at a higher interest rate in the future.

How to Check Your Credit Rating For Free

You can contact us at any stage to do the work for you to obtain a free copy of your credit file or alternatively, here is a run-down of how Alex checked his credit rating for free:

The first credit rating provider I am going to use is called ‘My Credit File’ – they are part of Veda Advantage, one of Australia’s largest credit reporting agencies.

Like many credit rating providers, they offer both a paid and free service. I am of course opting for the free service. All this means is I have to wait a little longer for it to arrive I am told. Not a huge deal.

How to do a free credit check with Veda/MyCreditFile [Now Equifax]

1.) I went to www.mycreditfile.com.au 2.) I then went to the ‘personal’ tab 3.) Scrolled down to find the button stating ‘Free – Find out more’ 4.) Loaded the page called ‘Free Credit File’ which tells you all the details you need to fill out 5.) I then downloaded this form to request a free copy of my credit report 6.) I attached a scanned copy of my drivers license (or passport) and also a copy of my utility bill proving my name and residential address. 7.) Done

I have to say, it was all rather easy. I now just have to wait 10 working days for my credit report to arrive.

Why do they offer a paid version of your credit rating report?

If you are wondering what the difference is with the paid version from MyCreditFile – please note that the only difference is that you pay $99.95 and it in turn comes to you via post, email or fax within 1 working day. E.g. you save 9 days. Still the same report.

Dun and Bradstreet credit rating reportCredit Report

Like Veda[Equifax], Dun and Bradstreet are one of the big players in credit ratings. They are used by many companies as the source of reporting on credit.

They by law have to offer you a free credit report and free copy of your credit history as discussed earlier. Here is how to get it.

How to get a copy of your credit report from DNB 1.) Go to https://www.dnbcreditreport.com.au/ 2.) Look to click on ‘standard credit report’ or similar – e.g. not fast tracked. 3.) On the standard request page you then fill out the online form (takes around 3minutes) 4.) Attach copies of your identification 5.) Submit/mail it 6.) You’re done.

Much easier than the MyCreditFile.com.au website – it’s as if the previous site was trying to hide the free report (well they certainly made it hard to find).

A bit about the Credit Score

If the bank does a credit check on you, they will obtain your credit score. But you are not privy to this number if you order a copy of your credit report – paid or otherwise.

People often ask ‘what is a good credit score?’ – however these credit scoring metrics are often kept confidential with the lenders and credit reporting agencies.

They are a metric that lets them give you an assigned score based on how much debt you currently have, how many credit applications you have filled out recently and more. It is more for the lenders to use to easily categorise people, so it isn’t often you get to find out your exact credit score – which in turn can make it hard to improve your credit score.

In my opinion, everyone should have access to their credit score, and the method used to calculate it.

How do I fix my bad credit?

If you have bad credit – you have two options….

1. You can attempt to remove the default or other credit listing yourself, and there are processes to do this – OR

2. You can use a professional credit repair service.

The benefit in fixing your own bad credit is that it’s cheap. You may have very little costs associated with disputing your own credit listing. But similarly to defending yourself in Court – the cheap option may not be the best one for you.

Credit rating errors are quite common, and the onus of ensuring the accuracy of your credit file rests with you. But how do you know if a listing has been placed accurately on your credit file, or if it should be there in the first place?

There are strict codes of conduct and legislation which must be adhered to when your Credit Provider is placing a default or other credit listing on your credit file. These laws are in place to protect consumers from unfair and damaging credit reporting. Creditors are largely aware of this legislation (yet may not have adhered to it), but there are very few consumers who are well-versed in credit reporting and industry legislation.

In order to dispute a credit listing which you believe shouldn’t be there, you must identify where the Creditor has not adhered to current legislation when placing the notation on your credit file. There is a whole barrage of points which need to be met in order to constitute a valid listing, and if you have not been made aware of all the avenues for dispute, then you could be doing yourself and your case a disservice.

A reputable credit repair Lawyer should dig deeper to conduct an audit-like investigation of your credit complaint to uncover errors or non-compliance.

For more information on credit repair, visit our website www.mycralawyers.com.au or contact a Credit Repair Advisor on 1300 667 218.

Image: Ambro/ www.FreeDigitalPhotos.net

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04/07/2013