MyCRA Specialist Credit Repair Lawyers

Tag: free credit check

  • Free Credit Report Vs Paid

    Free Credit Report Vs Paid

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

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

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

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

    BUT

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

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

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

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

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

    BUT

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

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

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

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

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align_medium=”none” align_small=”none” align=”none” hover_type=”none” caption_style=”below” caption_align_medium=”none” caption_align_small=”none” caption_align=”center” caption_title=” File Access Information On A Free Equifax Credit Report” caption_title_tag=”2″ animation_direction=”left” animation_speed=”0.3″ filter_hue=”0″ filter_saturation=”100″ filter_brightness=”100″ filter_contrast=”100″ filter_invert=”0″ filter_sepia=”0″ filter_opacity=”100″ filter_blur=”0″ filter_hue_hover=”0″ filter_saturation_hover=”100″ filter_brightness_hover=”100″ filter_contrast_hover=”100″ filter_invert_hover=”0″ filter_sepia_hover=”0″ filter_opacity_hover=”100″ filter_blur_hover=”0″]https://mycralawyers.com.au/wp-content/uploads/2022/05/other-access-equifax.jpg[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ align_self=”auto” content_layout=”column” align_content=”flex-start” valign_content=”flex-start” content_wrap=”wrap” center_content=”no” column_tag=”div” 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    There is a big positive for you personally if you get your free credit report or file, and that is the last section on your credit report, The ‘Other Access’ section.

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

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

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

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

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

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

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

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

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

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

    My Recommendation Is:

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

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

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

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  • Nov 2014 UPDATE – 4BC MyCRA’s Graham Doessel and Privacy Commissioner Tim Pilgrim Interview

    Below is the original story and where Graham Doessel and Tim Pilgrim were both interviewed on Brisbane’s 4BC Radio

    Well a lot has changed since then and one of the biggest changes is the move away for the ludicrous listing a client if they are one day late to the not quite so idiotic listing of a client if they are just 14 days late in making a payment.

    Do you have a bad credit rating now as a result? Are you sure? Do you want to to make sure?

    to get a free copy of your:

    • Veda Advantage Credit Score
    • Dun & Bradstreet Credit File
    • Tascol Credit Report
    • Experian Credit Rating

    Another change in the legislation that you probably already know about is that a Bankruptcy only stays on your credit report for 5 years now and not 7…  Great news for those doing it tough…

    Call MyCRA Lawyers now on 1300 667 218

     

     

    ORIGINAL UPDATE – (The day after the interview)

    Yesterday, Graham Doessel, founder and CEO of MyCRA Credit Rating Repairs was interviewed along with the Privacy Commissioner, Mr Timothy Pilgrim on 1116 News Talk 4BC.

    4BC MyCRA and Privacy Commissioner Interview

    Graham took calls from listeners and explained what Will and Will NOT happen as a result of the new Credit Laws.

    Privacy Commissioner Tim Pilgrim argued that adding a listing of every client even one day late is GOOD for credit reporting as…[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”][]

     

    Click HERE to read the original story

    Then, Grab a FREE copy of your credit files

     

     

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  • Is your preferred credit repairer a lawyer? If not, here’s why they should be.

    credit lawMyCRA Lawyers has been established. Here at MyCRA Lawyers we feel so passionately that this change is the BEST WAY FORWARD for credit repair. Why? Because individuals need strong advocates when disputing their credit reporting issues, but those advocates need to be held accountable. In the absence of any formal regulation of the credit repair industry, the Director of MyCRA has made the significant decision to incorporate a Law firm operating under the overarching framework of an Incorporated Legal Practice, under the Legal Profession Act 2007. The fact is, credit repair is really necessary –but it is not formally regulated or recognised – and sometimes that can hinder the dispute process. In this post, I outline why one of the pioneer companies in credit repair have taken the industry knowledge and experience and “raised the bar” – and created MyCRA Lawyers, and the benefits for you.

    By Graham Doessel, Non-Legal Director of MyCRA Lawyers.

    There are so many reports of shonks and cowboys operating in credit repair. The stories out there in the press can horrify, and ultimately they can hurt the industry.  But what those criticisms shouldn’t be doing is overshadowing the importance of consumer advocates as players in credit reporting. And make no mistake, consumers need advocates in the credit reporting process as the system currently stands, and in my opinion even more so coming into comprehensive credit reporting with further changes in March next year.

    The benefits of your credit repairer being a lawyer

    I discuss the added benefits a lawyer can bring to credit repair as guest blogger for The Adviser magazine – a publication for mortgage and finance brokers. You can read the full post, titled ‘Why your preferred credit repairer needs to be a lawyer’ on The Adviser website.

    Below is an excerpt from this post:

    Apart from offering a framework for regulation, it also offers significant benefits for credit repair:

    •    A lawyer can act in court processes including the removal of Judgment and Writ services, a non-lawyer cannot act in these proceedings;
    •    A lawyer can identify legal issues and give your client advice on these;
    •    A lawyer can prepare binding agreements, conduct formal negotiations and then follow through with enforcement where necessary;
    •    A lawyer can make formal recommendations to Credit Providers making reference to the law, and making representations on the client’s behalf.

    Those credit repairers currently performing the above tasks without a practising certificate may be treading dangerous ground.

    •    A submission from a lawyer to a Credit Provider will be taken seriously. If requests are ignored real consequences can be deployed.

    You can check if a credit repair firm is an Incorporated Legal Practice with the relevant Law Society (there’s one in each State).

    Why we’ll continue to advocate for accurate credit reporting

    We mean business when it comes to helping those disadvantaged by credit rating mistakes.

    People all over the country are suffering at the hands of credit reporting mistakes, errors and ommissions. The result is five years of bad credit. Five years being locked out of finance – unable to get a home loan, or even a mobile phone plan.

    It doesn’t have to be a big amount which the Credit Provider claims is owed to create that default, nor does it need to be a serial offence.

    There are many more ordinary Australians who are being punished with that credit death-sentence due to one-time oversights; Credit Provider errors; and unsettled disputes. Even accounts of $100 can see them locked out of credit.

    A recent survey by credit reporting agency Veda Advantage revealed 80% of Australians have never checked their credit file. We have certainly found this survey to be a pretty accurate reflection of credit file awareness. Most people are simply not checking whether their credit file is accurate or fair and if it contains mistakes, they don’t even know about it until they apply for credit and are refused.

    Myself and Legal Practitioner Director MaryAnn Armstrong – Principal Solicitor see it as being vitally important to continue to promote credit reporting awareness in the community, and continue to act as that voice of advocacy in matters of credit reporting as they affect consumers. And in the process, we will also be using the arm of the law to affect change on a case by case basis in areas of credit reporting inconsistency.

    How we can help you

    MyCRA Lawyers are offering a free credit check to readers who have never checked their credit rating. Visit http://freecreditrating.com.au/.

    If you are currently experiencing credit issues, a more in-depth Credit File Analysis can also be obtained – call MyCRA Lawyers on 1300 667 218 for more details. If you need our credit dispute services, MyCRA Lawyers’s pricing model comes at a fraction of the cost of many other legal services.

    Image: Salvatore Vuono/ www.FreeDigitalPhotos.net

  • 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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    check credit fileWe 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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