MyCRA Specialist Credit Repair Lawyers

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  • Identity Theft in Australia in 2022 & 2023

    Identity Theft in Australia in 2022 & 2023

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

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

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

    Introduction: What is Identity Theft?

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

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

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

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

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

    identity theft in australia call 1300 667 218 for legal assistance

    What are the Causes of Identity Theft?

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

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

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

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

    How Do You Prevent Identity Theft?

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

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

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

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

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

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

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

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

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

    Conclusion:

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

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  • Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female

    Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female

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    It’s disgusting to think this could actually be true in 2020, worse still that’s it’s hidden in plain sight.  This release lifts the lid on financial gender inequality and

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    Why Women Could Be Locked Out Of Home Ownership Simply Because They Are Female!

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    Are women being secretly discriminated against by credit reporting bodies?

    Exactly how credit reporting bodies like Equifax, Illion and Experian come up with your credit score is somewhat of a mystery as each uses a slightly different formula to assess your creditworthiness.

    We do know, however, that they do discriminate, in fact, that is their whole job, to discriminate.

    To discriminate who is good with money and who isn’t, and who should get credit and who shouldn’t.

    We assume (we say assume because it’s all a big secret), for example, you are discriminated against based on:

    1. where you live,
    2. on the job you have,
    3. how long you’ve been in that job and of course
    4. how good you’ve been at paying your debts in the past.

    But do they discriminate based on gender?

    Well leading Australian consumer and financial law firm MyCRA Lawyers says it’s highly likely they do.

    MyCRA Lawyers CEO Graham Doessel says there is no shortage of evidence around the world that women are worse of financially than men, so it’s highly likely credit reporting bodies mark women down on their credit score simply because they are women.

    A 2009 the Australian Human Rights Commission released a report ‘Accumulating poverty?

    Women’s experiences of inequality over the lifecycle’ which puts a magnifying glass over a host causes to why women are worse off than men financially.

    “The report looks at issues like:

    1. the gender pay gap,
    2. career progression,
    3. maternity and parental leave,
    4. gendered ageism, and
    5. their effect on women’s financial position.

    “All factors I am willing to bet, Credit Reporting Bodies would take into account when assessing a person’s creditworthiness, and could easily be grouped under the box male or female when ticked in your credit score calculation,” Mr Doessel said.

    According to OECD figures, a host of statistics could be broadly attributed to women like their level of employment or unemployment and at what age they are likely to leave or re-enter the workforce.

    “Problem is we don’t know for sure because Credit Reporting Bodies keep secret exactly what data they use, and what they give each factor when it comes to calculating a credit score.

    “We believe it’s high time that gender was taken out of the equation, to ensure women have equal access to finance, after all, numbers don’t lie and your sex shouldn’t affect someone’s ability to repay a loan.

    “I know many women who are far better with a budget than many men,” Mr Doessel said.

    “It is quite possible Credit Reporting Bodies are in fact breaching anti-discrimination legislation but we just don’t know because they aren’t transparent.

    “How do you test this, well short of someone checking their credit score before changing genders as male then again after transitioning to female, its almost impossible.

    “Why is this a problem? If women indeed have a tougher time getting credit, it may exclude them from a host of wealth-building opportunities like buying a home or getting small business loans.

    “We believe it’s time they were made disclose how they calculate a person’s credit score and made remove gender from the calculation,” Mr Doessel said.

    If you need to check your credit score now, go to www.FreeCreditRating.com.au today for instructions and free access links.

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  • Explainer Videos – How Does Credit Repair Work

    Explainer Videos – How Does Credit Repair Work

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    Credit repair or credit dispute using our Lawyers focused on credit law, involves MyCRA Lawyers representing you in your case to remove your bad credit that you believe should not be there.

    Simply put, if the credit file listing has not been added fairly, has been added incorrectly, or you believe it should not be there at all, then talk to us to have it removed.

    We can help you get a copy of your Credit File, and from there perform a credit file analysis and determine how we can help repair your credit file to give you the best opportunity to your finance application accepted by Credit Providers.

    Let’s Get You Started with Credit Repair

    Or find out more about what’s involved in disputing bad credit…

    What is Credit Repair?

    The Credit Repair Process

    What Will I Save? (Clean Credit v Bad Credit Calculator)

    Case Studies

    Testimonials

    start nowFor a personal consultation or quote, contact our team at MyCRA on 1300 667 218 or fill in the quick enquiry form on this page and our team will get back to you ASAP.

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    How Does Credit Repair Really Work?

    Twice a week we will add new Explainer Video’s to this page to answer your burning questions about How Credit Repair Really Works.

    So Remember to Bookmark this page so it’s easy to find!

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    If you have a burning question you want answered, please tell us in the comments below!

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  • Senate Enquiry Into Credit Repair In Australia [email]

    Senate Enquiry Into Credit Repair In Australia [email]

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    Hi,

    The [credit repair] Senate Enquiry into “Credit and financial services targeted at Australians at risk of financial hardship” just concluded its Brisbane Public Hearing and our Legal Practitioner Director Patrick Earl was in attendance.

    MyCRA Lawyers 80 page submission to the Senate Enquiry (Go to this link, then page 4) is summed up on page one of our submission.

    “Our fundamental submission is that credit repair work should be recognised as legal work by its very nature. Consequently, it would be reserved for lawyers, thereby being regulated in each state by the relevant legal regulatory body. Restricting credit repair work to lawyers would thereby address almost all of the complaints made about credit repair bodies.

    There seems to be a commonly held belief that credit repair work is unregulated whereas, in our submission it is, it is legal in nature and should be limited to and regulated as work for lawyers. The regulations already exist and it only awaits the recognition of the nature of the work”

    The Canberra public hearings are scheduled for tomorrow 24 Jan 2019

    You can contact us on 1300 667 218

    Graham

    Links: The Sanity Space | SBAA | A.D.S. Law | Family Law Five | Online Referral Form | FAQ’s |  View web version |

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    Remember, until the end of January, anyone who uses this new simple form contained within the new page will save up to *58.6% off our Solicitors Standard Hourly Rate – so CLICK HERE give it a try today and don’t miss out on savings of up to 58.6%!
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    PPS. I hope we have your Mobile number correct (None Supplied)
    You might like to reply to this email with your up-to-date- contact details

    Thanks

    Warmest regards,
    MyCRA Lawyers

    Graham Doessel
    Chief Executive Officer

    Tel:  1300 667 218

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    have a look at a few previous success stories (Case Studies)
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    MyCRA Lawyers Email Header Info

    Links: Sanity Space | SBAA | ADS Law | Family Law FIVE | Referral Form |  View web version |

    If the phones are busy please keep trying, as these amazing saving will be snapped up fast, so don’t you be the one to miss out…

    To help you decide, where we help you is…

    1. If you have bad crèdit; and
    2. If you want a clean crèdit rating in early 2019; and
    3. If you want the safety, surety, and confidence of Lawyers; and
    4. If you want the best value for your money,

    Then doesn’t it make good sense to get started with MyCRA Lawyers? It does, doesn’t it?

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    have a look at a few previous success stories (Case Studies)
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    So, if your home loan was declined and you missed out on the perfect home because of your bad crèdit rating that no one told you could be fixed by MyCRA Lawyers, then looking back maybe you’d say you’d have paid anything to have the default removed right?

    So rather than waiting for more bad news, why not get started on your credit repair with MyCRA Lawyers Now at our best value ever and let us do all the work so you can have a clean credit rating in 2019?

    If you can recall, I’ve been helping people fix their credit ratings since 26 November 2009 (I tested the idea from September 2009 and registered the company 26 Nov 2009), so I believe I’ve got the most experience, knowledge and success in credit repair in Australia, in MyCRA Lawyers, and this is backed up by:

    1. Our fastest Default Removal Resolution in just 17 minutes from our first email to the creditor to receiving confirmation that the default would be removed
    2. Being able to prove our 91.6% Default Removal Resolution Success Rate
    3. The growing number of glowing client reviews, and

    This all means that MyCRA Lawyers has come to be known as the premium choice if you want your credit repaired properly, in the shortest possible time, and with the least amount of work required from you (we ask you a few questions and then seek the information from your creditor, and do everything for you)

    So if you want your credit repaired properly, in the shortest time, and now (until Thursday 31 January 2019 at 5pm QLD time) at the lowest lawyer rate in Australia, call MyCRA Lawyers NOW on 1300 667 218 and ask to get started NOW

    Oh, I almost forgot to tell you how we worked out how to do it …

    We have deconstructed our 9 years of success and reassembled it into 4 distinct stages

    1. Investigation
    2. Review
    3. Complaint
    4. Escalation

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    have a look at a few previous success stories (Case Studies)
    *************************************

    We discovered that a large number of our clients get their defaults removed in the initial investigation stage

    because by now most creditors know about MyCRA Lawyers long-standing reputation to keep working until the default is removed,

    and because there is every chance we have successfully beaten your creditor many times by now, they will often make a commercial decision to remove the default sooner than later

    because they know when you choose MyCRA Lawyers to represent you,

    you’ll probably be successful anyway, and it makes no sense for them to waste money fighting a fight they will most likely lose anyway.

    So in Stage One: (Other clients are normally billed over $2000 for this first stage)

    1. You will get started TODAY by getting your verbal agreement to save you valuable time to ensure you don’t miss out on this amazing saving
    2. We will open your file
    3. We will Conduct a full  and in-depth review of your credit files from at least two Credit Reporting Bodies (we can get the credit files if you don’t have them already)
    4. We will ensure your safety and draft a full client agreement and disclosure notice specific to you and your matter and email it out to you for your records
    5. You will answer a few questions to give your dedicated Lawyer as much information as you can remember
    6. We will research the specifics of your creditor
    7. We will compile the years of historical knowledge about your creditor from all previous cases against your creditor (our previous clients and court cases)
    8. We will Draft the initial contact letter to your creditor (awaiting the return of your signed authority by email) to include the relevant information that will best help have your default removed in the shortest possible time
    9. We will send your initial contact letter to your creditor after it has been reviewed by our Senior Partner Mr Patrick Earl (Most Senior and Most Respected Lawyer in our Firm) as a final quality assurance check.
    10. We will chase and follow up your creditor for a default removal resolution
    11. We will keep you informed every step of the way for your peace of mind

    *************************************
    have a look at a few previous success stories (Case Studies)
    *************************************

    So, if you can see the value of getting started now, please stop what you are doing, pick up your mobile right now and press 1300 667 218 right now to speak to one of my team, or leave a message to have one of my team call you back (in the order the calls are received so get in fast) and remember, if the lines are busy, please keep trying and call back on 1300 667 218 now.

    Welcome to 2019!

    Graham

    ***********************************************

    More about Graham Doessel

    The Sanity Space Foundation
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    The Sanity Space
    Foundation


    National Sponsor of The Small Business Association Of Australia
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    The Small Business
    Association Of
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    Armstrong Doessel Stevenson Lawyers
    Armstrong Doessel Stevenson
    LAWYERS

    Family Law
    Commercial Litigation
    Debt Collection

    DOWNLOAD Our
    Family Law FIVE
    Brochure

    I’m Graham Doessel, the Founder and CEO of MyCRA Specialist Credit Repair Lawyers.
    I’m a Dad, Grandad, Husband and a Small Business Owner.
    For years I’ve struggled with the balance between sharing personal info about me, and being the ‘Professional Business Owner’.
    Then I discovered a simple truth, an a-ha moment that has just today made me realise that I need to share more with you than I ever have before, so here we go, first…
    BUSINESS
    1. MyCRA Lawyers is more expensive; but
    2. You get a certified Practicing Lawyer removing your default when you choose MyCRA Lawyers; and
    3. Most defaults are removed in 30 days or less; with almost a 1/3 getting their removal resolution in just 7 days or less

    (If you act now, you might qualify to engage the Best for less than you pay an unlicensed credit repair agency)

    (So, do your research, check out the unlicensed credit repair agencies and their outlandish and unsubstantiated claims [they’re popping up everywhere like weeds in the garden], and then do what most people do, and choose the safe [and legal] path and ask MyCRA Lawyers to consider removing your default for you)

    1. Call 1300 667 218 right now; and
    2. Get started from as little as $1497 today; and
    3. You could have clean credit before you know it!
    PERSONAL
    1. I find it hard to talk about myself
    2. I hide away from people and I set up my office in the storeroom
    3. My Wife Helen keeps me sane, and giving my kids Steph, Cory and Joel better opportunities than I had are why I work such crazy long hours
    4. I am a cancĕr survivor (9 years now)
    5. I am FBAA’s Vice President for QLD and NT
    6. I am a JP Qualified
    7. I am a Law Student
    8. I was Scared Sh*tless when Steph (my Daughter) said I was going to be a Grandad – And I resisted because I saw Grandparents as OLD, and I was in my 40’s
    9. I was a Mortgage Broker from 1997 to 2010
    10. I closed it [mortgage now] down after being diagnosed with (and beating) cancĕr
    11. I reregistered as a broker in 2016 so I could keep my CPD up so I better understand what my referring brokers are going through and help them with non-conforming scenarios.
    12. I don’t know what else to write about…
    *************************************
    have a look at a few previous
    success stories (Case Studies)
    *************************************

    Call my team on 1300 667 218 today, you’ll be glad you did!* The up to 58.6% saving is the difference between 15 hours at our Solicitors Standard Hourly Rate and MyCRA lawyers Unique fixed fee credit repair option calculation that you may qualify for if you complete the form.

    With warm regards,
    MyCRA Lawyers

    Graham Doessel
    Chief Executive Officer
    Legal Practice Holdings

    Tel: 1300 667 218

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    Legal Practice Holdings Pty Ltd ta MyCRA Lawyers – 246 – 256 Stafford Road, Stafford, Qld.4053 | Tel:  1300 667 218

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