MyCRA Specialist Credit Repair Lawyers

Tag: legal credit repair

  • Credit Enquiries  – And How They Affect Your Credit Score

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    Credit Enquiries  – How They Affect Your Credit Score

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

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

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

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    ENQUIRIES

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

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

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    getting a new phone

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    upgrading your existing phone

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    getting the power or gas put on

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    signing up for Pay TV

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    making online credit card enquiries

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    making online personal loan applications

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

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    enquiring about ‘interest free’ credit instore or online

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

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

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

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

     

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

     

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

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

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

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    There Is Good News…

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

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

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

     

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

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

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  • Three Ways To Improve & Increase Your Credit Score

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    Three Ways To Improve & Increase Your Credit Score

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

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

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

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

     

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

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

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  • Can Your Bad Credit Default Be Removed Because Your Old Debt Is Statute Barred

    Can Your Bad Credit Default Be Removed Because Your Old Debt Is Statute Barred

    MyCRA Lawyers Finance Application Approved | 1300-667-218

    1.  What does Statute Barred mean,
    2.  When is a debt statute barred,

    3.  When can the time be ‘re-set’.

     

    1.  What does Statute Barred mean?
    Generally speaking, a debt is ‘Statute Barred’ when it is ‘too old to pursue’.
    The ‘limitation’ is usually set by legislation in each State or Territory by an Act such as Limitations of Actions Act 
     
    2.  When is a debt statute barred?
    Australia wide (except NT) is 6 years after you last made a payment or admitted the debt in writing. NT is 3 years.
     
    3.  When can the time be ‘re-set’?
    The clock resets to zero if you:
    1.  make any type of payment towards the debt,
    2.  admit the debt in writing,
    3.  have a Court Order entered against you.

    If the Creditor obtains a Court Judgment, the time is reset to zero from the date of the Court Judgment AND is recoverable for 12 to 15 years depending on which State you’re in.


    What does all of this really mean for you?

    If your debt is statute barred, it means your creditor can NOT force you to pay the debt.  The recovery of the debt is barred by statute.

    It also affects the defaults on your credit file.  If you have an old default on your credit file, call MyCRA Lawyers on 1300-667-218 and we can confirm your very high chances of MyCRA Lawyers having the debt wiped and your default removed.

    Don’t Risk Your Reputation And Your Business, Only Choose MyCRA Lawyers.  Call now on 1300-667-218 or .
    For your best chance of safely removing a bad credit rating, call MyCRA Lawyers on 1300-667218 for a free, no obligation, confidential chat about your options and how we can help you today.  (If it is easier for you, fill in the form below so we can get back to you at a time that suits you better)
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  • Belinda’s Story

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  • 7 Steps To Clean Credit – Your Step By Step Legal Default Removal Process – Did You Know Series 103

    7 Steps To Clean Credit – Your Step By Step Legal Default Removal Process – Did You Know Series 103

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    Step By Step Legal Default Removal (Credit Repair) Process
    7 Steps To Clean Credit

    [/fusion_title][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”no” class=”” id=”” background_color=”rgba(255,255,255,0)” background_image=”” background_position=”left top” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”20″ padding_right=”” padding_bottom=”20″ padding_left=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ spacing=”yes” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”no” class=”” id=”” background_color=”#ffffff” background_image=”” background_position=”left top” undefined=”” background_repeat=”no-repeat” hover_type=”none” border_color=”#dbdbdb” border_style=”solid” border_position=”all” padding_top=”15px” padding_right=”15px” padding_bottom=”15px” padding_left=”15px” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”down” animation_speed=”0.1″ animation_offset=”” last=”true” border_sizes_top=”0″ border_sizes_bottom=”0″ border_sizes_left=”0″ border_sizes_right=”0″ first=”true”][fusion_progress height=”” text_position=”” percentage=”10″ show_percentage=”no” unit=”Day 1″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Confirmation Of Issue[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”” rule_size=”” rule_color=”” hue=”” saturation=”” lightness=”” alpha=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”” text_color=”” animation_type=”” animation_direction=”left” animation_color=”” animation_speed=”0.3″ animation_delay=”0″ animation_offset=”” logics=””]

    MyCRA Lawyers can improve your credit score with our unique default removal process
    MyCRA Lawyers can improve your credit score with our Unique Default Removal Process

    Credit Repair Step 1) – Confirmation Of Your Issue:

    • The first Credit Repair step is for MyCRA Lawyers to confirm the bad credit listings on your credit file.
    • If your Broker didn’t give you a copy, we can arrange an up-to-date copy of your credit rating for you.
    • This can be done before your free deep dive discovery appointment by completing and returning this form  to make it easier for you.
    • Our friendly team will take you through your credit file step-by-step and explain any and all aspects of it so you understand it fully.
    • Once you know what’s on your credit file and what needs to be repaired, you can decide you want MyCRA Lawyers to remove your Enquiries, Defaults, Late Repayment Histories, and Judgments for you.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”20″ show_percentage=”no” unit=”Day 2″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Authority To Act Received[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    Act Now and Call MyCRA Lawyers on 1300-667-218 for default removal
     The sooner you act now, the sooner your default removal will be completed and your credit repaired

    Credit Repair Step 2) – Authority To Act

    • In this step, we send you out the paperwork for you to review, complete and return the same or next day.
    • This means you fully understand what we do and how we do it.
    • These documents include instructions for us to contact your creditor to discuss your file.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”30″ show_percentage=”no” unit=”Day 3″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Contact Made With Creditor[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    MyCRA Lawyers contacts your creditors for default removal
    MyCRA Lawyers contacts your creditors for default removal investigation

    Credit Repair Step 3) – Making Contact With Your Creditor

    • Now we forward a copy of your signed “Authority To Act” to your creditor.
    • We also request a set of very specific documents and records from your creditor.
    • Your creditor is required to have a copy of these documents.
    • Your creditor has a specific amount of time within which to supply your documents and records.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”50″ show_percentage=”no” unit=”Day 4″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]In-Depth Audit Completed[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    We Audit Your Creditor Looking For Legislative & Compliance Errors, To Have Your Default Removal Completed
    We Audit Your Creditor Looking For Legislative & Compliance Errors, To Have Your Default Removal Completed

    Credit Repair Step 4) – In-Depth Audit & Investigation

    • This stage is where, while it is only a small part, MyCRA Lawyers’ years of training and experience pays off for you.
    • This is where your team of Solicitors and Paralegals go through your documents and records ‘with a fine tooth comb’.
    • Your dedicated MyCRA Lawyers Team are investigating the way in which your default was added to your credit report.
    • We are comparing your documents with up-to 8,000 pages of legislation.
    • We’re looking for legislative or compliance breaches in the way the default was added to your credit file.
    • These errors are mostly ‘Human Errors’ where ‘People’ haven’t followed the systems correctly, or
    • Your creditor cannot evidence that they afforded you all of your consumer rights in the listing of your default.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”75″ show_percentage=”no” unit=”Day 5″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Errors Have Been Identified[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    Reasons for the default removal are identified
    MyCRA Lawyers will look for reasons to justify your default removal

    Credit Repair Step 5) – Errors In The Default Listing Process Are Identified

    • This is where it all comes together.
    • We have found errors in the way your default listing was added to your credit file.
    • Your Legal Team skilfully draft a complaint letter to your creditor.
    • This letter of complaint contains the evidence of where and how your creditor is non-compliant.
    • This letter will detail the specific legislative breaches engaged in by your creditor.
    • We will also outline the possible fines and legal ramifications for their non-compliance.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”95″ show_percentage=”no” unit=”Day 6″ filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Instructions Issued To Remove The Unlawful Default[/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    MyCRA Lawyers instruct the creditor of the legislative breaches that require the immediate default removal
    Legislative Breaches Identified – Immediate Default Removal Ordered!

    Credit Repair Step 6) – Immediate Removal Instructions Are Issued To Your Creditor

    • This is where the complaint letter in the previous step is sent to your creditor.
    • Instructions are included explaining the process to remove the default from your credit rating(s).
    • In many, many cases, this step results in a removal resolution confirmation from your creditor in seven (7) days or less.

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_progress height=”” text_position=”” percentage=”100″ show_percentage=”yes” unit=”%” filledcolor=”” filledbordercolor=”” filledbordersize=”” unfilledcolor=”” striped=”no” animated_stripes=”no” textcolor=”#7c7c7c” class=”” id=””]Congratulations – You Have Clean Credit – You Can Buy Your Home![/fusion_progress][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    Default removal done - now happy times
    Default Removal Done – Now Back To Your Broker To Settle Your Mortgage…

    Credit Repair Step 7) – Confirmation Of Removal

    • Congratulations! Default Removed – You can get your Home Loan…
    • The Credit Reporting Bodies can confirm the removal of your default.
    • If we got you a copy of your credit file within the last 90 days, we’ll be notified automatically.
    • Now you take a massive sigh of relief and you and your family move into your new home…  Imagine that…

    [/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”50″ bottom_margin=”25″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_separator style_type=”shadow” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” flex_grow=”0″ top_margin=”20px” bottom_margin=”100px” width=”” alignment=”center” border_size=”” sep_color=”” icon=”” icon_size=”” icon_color=”” icon_circle=”” icon_circle_color=”” /][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” flex_grow=”0″ top_margin=”50″ bottom_margin=”50px” width=”” alignment=”center” border_size=”” sep_color=”” icon=”” icon_size=”” icon_color=”” icon_circle=”” icon_circle_color=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    You Might Be Thinking That It’s MyCRA Lawyers’ Proven Credit Repair Systems And Expertly Trained Legal Team That Are The Main Reason You Have Better Than 9 in 10 Chance Of Getting Your Credit Rating Cleaned When You Choose MyCRA Lawyers For Credit Repair…

    And You’d Probably Also Imagine, Just For A Moment, That MyCRA Lawyers Will Take Away All Of Your Default Related Stress And Worry, While They Utilise Their Many Years Of Expertise & Legal Training, To Virtually Guarantee You A Crisp Clean New Looking Credit Rating And Credit Score… 

    And You Might Also Think That All Of This Wisdom, Experience, Expertise, Training, Research, Dedication And Commitment to Removing Your Bad Credit Quicker And More Consistently Than Anyone Else In Australia, Would Come At A Very Reasonable Price Point… And You’d Be Right Again.

    MyCRA Lawyers is known throughout Australia, through it’s many Television appearances, Radio Interviews, write-ups in many National News Papers, features and discussions in multiple, highly regarded Finance and Mortgage Publications, to be the most trusted, most successful, most consistent and most transparent Law Firm, to help clients with Credit Reporting Mistakes, by removing unlawful credit rating defaults.  Many in seven days or less.

    If you, someone you know, or someone you care about has a bad credit rating, don’t you think you actually owe it to them (and yourself) to at least call and speak to one of the very friendly and very understanding Legal Team at MyCRA Lawyers?

    Mike Goldman thanks MyCRA Lawyers
    Mike Goldman thanks MyCRA Lawyers

    You will NOT be judged.  You Will be truly heard.  Your Free, No Obligation Chat will help you discover your true, safe and legal options to repair your credit, so you can decide if you want MyCRA Lawyers to help you remove your bad credit defaults.  

    You could even take the information we give you at no charge and try to see if you can remove the listings yourself.  We don’t mind explaining this process because most people prefer to have an expert like MyCRA Lawyers working on a matter as serious as your financial reputation, and those that don’t care probably aren’t our preferred clients anyway.

    To take advantage of our Free, No Obligation Chat offer, Call 1300-667-218 right now and make an initial Discovery appointment. We’re here to help you.

    If you’re short of time, fill in the form below and one of our friendly expert team members can call you back at a time that suits you.[/fusion_text][fusion_text]

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

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

  • 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=””]MyCRA Lawyers Gives Away An iphone-SE-Gold For Credit Repair

    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

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

  • MyCRA Lawyers iPhone SE Giveaway Terms

    [fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_4″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]MyCRA Lawyers iPhone Giveaway

    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]

  • How Do Bad Credit Defaults Get Removed

    [fusion_builder_container background_color=”” background_image=”https://mycralawyers.com.au/wp-content/uploads/2013/08/Optimized-bad-credit.jpg” background_parallax=”fixed” enable_mobile=”yes” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”center center” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”40″ padding_bottom=”40″ padding_left=”0px” padding_right=”0px” hundred_percent=”yes” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=”” type=”1_6″][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”solid” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_right=”2%” spacing_left=”2%” min_height=”” type=”2_3″][fusion_text]

    How Do Bad Credit Defaults Get Removed…

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ layout=”1_6″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”2%” min_height=”” type=”1_6″][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” 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=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_6″ layout=”1_6″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=”” type=”1_6″][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”2_3″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” spacing_left=”2%” min_height=”” type=”1_1″][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” font_size=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” line_height=”” letter_spacing=”” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]How do defaults get removed


    1.)  Firstly, [fusion_popover title=”Tell Us What Really Happened” title_bg_color=”” content=”Tell us what really happened – not what you think will help, or what you think we might want to hear. Why Is This Important?  The more information we have, the better your chances of MyCRA Lawyers legal team finding a reason to remove the bad credit listing.  Also, if you don’t tell us everything, we may formulate an approach based on the information you provide that could turn out to be a waste of your time and your money.  This may also limit your chances at a second approach or attempt.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=””]we ask you what really happened[/fusion_popover] so we understand your specific situation.

    2.)  We then confirm the listings on your [fusion_popover title=”Credit Files” title_bg_color=”” content=”There Are Four Main Credit Reporting Bodies In Australia:  Veda Advantage (Veda), Dun & Bradstreet (DnB), Experian and Tasmanian Collection Service.  MyCRA Lawyers routinely removes defaults, Court Judgments and other bad credit listings from your Veda and DnB credit reports.  MyCRA Lawyers can help you get a copy of both your Veda and your DnB credit files while you’re on the phone with us.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=”credit-files”]Credit Files[/fusion_popover] to further assess your specific situation.

    3.)  You are then advised the most appropriate course of action, [fusion_popover title=”Not All Defaults Need To Be Investigated” title_bg_color=”” content=”Once we have had a look at your full credit file, we can advise you on the best options available to you.  This may include an alternative action that you can do yourself at no charge, or sometimes to do nothing at all.  Doing nothing may be the best option if for example, the default listing has almost run it’s course and is about to be automatically deleted by the credit reporting body due to the passage of time.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=””]including which defaults Do NOT need to be investigated[/fusion_popover].

    4.)  Then we request from your creditor(s), a list of [fusion_popover title=”Specific Documents” title_bg_color=”” content=”The specific documents requested are those that relate to notices sent to you, information on your file, when specific actions were taken, histories of the account, histories of the payment and missed payments etc.  Your creditor is required to have copies of these documents.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=””]specific documents[/fusion_popover] and information about your file and history with them.

    5.)  We then review the information provided by both you and your creditor, and compare that with up to approximately 8000 pages of legislation, looking for [fusion_popover title=”Legislative Breaches” title_bg_color=”” content=”Legislative or Compliance Breaches may deem the credit file listing unlawful and require it’s immediate removal.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=””]legislative and/or compliance breaches[/fusion_popover].

    6.)  We then uncover those legislative or compliance breaches and advise your creditor that the default listing has been placed unlawfully and needs to be removed immediately. [fusion_popover title=”Australia’s Only Audited Success Rate” title_bg_color=”” content=”We know you’ve probably heard all the horror stories about the dodgy ‘credit repair companies’ ripping people off and making unsubstantiated claims, so we decided to have the same Auditor that does our annual Law Firm Trust Account Audits (As required by The Queensland Law Society) take a look at, and formally Audit or Successful Removal Resolution Results.  The Auditor came back with the Audit Certificate confirming MyCRA Lawyers is successful in achieving a removal resolution in 91.6% of matters fully investigated.  (The certificate is available on our website if you’d like even more assurance that MyCRA Lawyers is the only safe choice in investigating the validity of listings on your credit rating.)” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”Right” class=”” id=””]This happens in 91.6% of cases.[/fusion_popover].

    7.)  You are then advised of the successful default removal resolution.  29.6% of the successful removal resolutions are achieved in seven days or less.

    8.)  Once your creditor has acknowledged the removal request, the default is normally permanently removed from your credit file(s) in just 10 business days.

    You can then go on to apply for your home loan or finance and move in to your very own family home.

    To get started, Pick up your phone now and call MyCRA Lawyers now on 1300-667-218 for a 100% confidential, no obligation free chat.

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_6″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”2%” min_height=”” type=”1_1″][fusion_text]

    If you’d like more information
    or just want to chat about your situation, please call 1300-667-218 and speak confidentially with one of our friendly, helpful team.  There is no cost and no obligation.

    [/fusion_text][fusion_button link=”” color=”default” size=”medium” stretch=”” type=”3d” target=”_self” title=”Arrange a call back” 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-phone-square” icon_position=”left” icon_divider=”no” modal=”call_back” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]No Time Now? – Click To Arrange A Call Back[/fusion_button][fusion_modal name=”call_back” title=”We Can Call You Back” size=”large” background=”#ffffff” border_color=”#c4c4c4″ show_footer=”no” class=”” id=””][contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • ASIC Research Report (REP 465) Credit Repair Agencies or Debt Management Firms – “Paying to get out of debt or clear your record: The promise of debt management firms” Is A Must Read

    [fusion_builder_container background_color=”#ffffff” background_image=”” background_parallax=”fixed” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”#e5e4e4″ border_style=”solid” padding_top=”5px” padding_bottom=”0px” padding_left=”10px” padding_right=”10px” hundred_percent=”yes” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”intro” class=”” id=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” hover_type=”none” link=”” border_position=”all”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hue=”” saturation=”” lightness=”” alpha=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”none” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    ASIC Research Report (REP 465) Credit Repair Agencies or Debt Management Firms – “Paying to get out of debt or clear your record: The promise of debt management firms” Is A Must Read

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” hover_type=”none” link=”” border_position=”all”][fusion_modal name=”asic_report_465_20160121″ title=”Paying to get out of debt or clear your record: The promise of debt management firms” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Paying to get out of debt or clear your record – The promise of debt management firms – ASIC Report 465[/fusion_modal][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hue=”” saturation=”” lightness=”” alpha=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”none” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””][/fusion_text][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hue=”” saturation=”” lightness=”” alpha=”” content_alignment_medium=”” content_alignment_small=”” content_alignment=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” fusion_font_family_text_font=”” fusion_font_variant_text_font=”” font_size=”” line_height=”” letter_spacing=”” text_transform=”none” text_color=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]

    This Report Details The Problems With Credit Repair Firms, Part IX Debt Agreement Firms And Budgeting Firms

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”2_3″ last=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2.6666666666666665%” min_height=””][fusion_text][fusion_popover title=”ASIC REPORT” title_bg_color=”” content=”This copy is provided by MyCRA Lawyers for your convenience. See the end of this document for a link to the original document on ASIC’s website that was correct at the time of publication.” content_bg_color=”” bordercolor=”” textcolor=”” trigger=”hover” placement=”right” class=”” id=””]This report[/fusion_popover] is well overdue and shines a light on many of the important facts MyCRA Lawyers have been openly concerned about for quite some time.

    We Audit Your Creditor Looking For Legislative & Compliance Errors, To Have Your Default Erased
    We Audit Your Creditor’s Files Looking For Legislative & Compliance Errors.

    Section 29 of the report states “The OAIC noted that, of those who accessed their credit report, three in ten (30%) found the information to be incorrect …“. This is in line with a small scale survey published in CHOICE finding 34% of credit reports contained mistakes.

    The report “Paying to get out of debt or clear your record: The promise of debt management firms” (The Report) also notes that “In Australia, there has also been evidence of credit providers making serious and systemic errors in credit listings.” The issue of systemic errors still exists and is not restricted to just financial institutions.

    MyCRA Lawyers has identified several organisations including energy providers and debt collectors that routinely seem to ignore the legislation to the consumers potential detriment.

    These systemic breaches have been documented and are the subject of a complaint to the OAIC wherein we are calling for a “Commissioner Initiated Investigation”.

    MyCRA Lawyers seeks to penalise these negligent organisations and restore the balance of power to give affected consumers a voice, and restore their legislated (and moral) consumer rights.

    The Report makes mention that many of the Debt Management Firms have “… only worsened their [the consumers] immediate financial position …”. The Report also talks about the consumer in “Financial Hardship” and seems to indicate the tie in between Part IX Debt Agreement Companies and Credit Repair.

    There could be no two business segments further apart. A Part IX Debt Agreement is “… an act of bankruptcy … ” and destroys a person’s credit rating. MyCRA Lawyers is 100% focused on investigating the validity of the default listings and removing those that have been placed in error or unlawfully to improve a person’s credit score.

    I do know of credit repair agencies that seem to fit this model and offer Part IX Debt Agreements as a supposed “Credit Fix” or Credit Repair, and others that seem to actively target those consumers in genuine financial hardship. These clients in Financial Hardship should seek assistance from Financial Planners or free credit counselling services – Not Credit Repair or Debt Agreements.

    The majority of clients referred to MyCRA Lawyers by other trusted authorities in the Finance & Mortgage Industry are those that may have a single issue that often, they knew nothing about prior to applying for their mortgage.

    Some particular incident in their past left them with a bad credit rating but they are now in a financially stable position, and moving forward with their lives.

    These clients are NOT in the same position as the vulnerable client still immersed in depths of financial hardship.

    On average, MyCRA Lawyers clients had 1.2 bad credit default listings, achieve a successful removal resolution in 91.6% of cases and of those, receive the resolution in seven days or less – And, because we are a Legal Practice, these figures have been independently audited and the Audit Certificate is published.

     

    The Report raises concerns about the abilities of these organisations by stating:

    1. ” … firms had a poor understanding of the relevant law …” and
    2. “client money is not adequately protected …” and
    3. “… no uniform regulatory framework applying to debt management firms …”

    All of these concerns are addressed when you choose to only deal with MyCRA Lawyers for credit reporting issues because:

    1. MyCRA Lawyers is a Legal Practice with Solicitors, Paralegals and Legal support staff managing your matter;
    2. All Client Money is held in our Legal Trust Account which is subject to heavy regulation and regular audits; and
    3. MyCRA Lawyers is heavily regulated for consumer protection by The Queensland Law Society.

     

    In closing, while I agree consumers can access Ombudsman bodies and other EDR schemes themselves for free, I disagree that it is always the best option.

    To expect the ombudsman or the credit reporting bodies to conduct the same level of in depth investigation and audit of the creditors actions as a Legal Practice is in need of a serious reality check.

    The free services may have neither the time nor the depth of knowledge of the credit reporting and associated legislation to be able to assist the client to the same extent as MyCRA Lawyers.

    In fact, MyCRA Lawyers have had defaults removed that had been previously investigated by Ombudsman bodies wherein the Ombudsman body found no fault.

    Consumers and Trusted Authorities alike are encouraged to firstly read The Report and then do your homework. Be aware of your risks, your rights and know who you’re dealing with and/or referring to.
    It’s either your professional reputation or your credit reputation at risk.

     

    [Graham Doessel is the Chief Executive Officer & Non-Legal Director of MyCRA Lawyers]

     

    The report can be found at http://www.asic.gov.au/about-asic/media-centre/find-a-media-release/2016-releases/16-011mr-asic-releases-report-on-debt-management-firms/[/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]Who do you know that might have been the victim or almost the victim of an online scam or an identity theft issue or that has a bad credit rating, you might like to think how much you’d appreciate some help if you’d just been through something like this, and how grateful you’d be if your friend or trusted advisor let you know that you have options to get your life back.  

    Let your friends know that MyCRA lawyers has an independently audited success rate of 91.6% of all matters taken on* received a successful default removal resolution and approx. a 1/3 of them received the good news within 7 days or less.[/fusion_text][fusion_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” 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=”” 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=”” border_radius_top_left=”25px” border_radius_top_right=”25px” border_radius_bottom_right=”25px” border_radius_bottom_left=”25px”]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=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”#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=”” border_sizes_top=”1px” border_sizes_bottom=”1px” border_sizes_left=”1px” border_sizes_right=”1px” first=”false” spacing_left=”1.3333333333333333%” 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=””] Mortgage Broker Jonathan Salter MyCRA Lawyers Testimonial on LinkedIn[/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

    [/fusion_text][fusion_text]

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

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

    [/fusion_text][fusion_title size=”2″ content_align=”left” style_type=”double solid” sep_color=”#d4af37″ margin_top=”10px” margin_bottom=”10px” class=”” id=””]Testimonial[/fusion_title][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers Happy Credit Repair Client | 1300-667-218[/fusion_imageframe][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”zoomin” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][fusion_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” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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_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=”” type=”flex” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=””][fusion_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=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_right=”2%” spacing_left=”2%” 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=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”2%” 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_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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%” min_height=””][fusion_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=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”2%” 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=”false” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2.4%” min_height=””][fusion_text]Complete your application to the right

    As you think about who you might refer, you might think back over the clients that have been rejected for credit issues by you or your lenders for the past 3 or so years.  Hope is an amazing gift you can give them and it’ll cost you nothing to mention MyCRA Lawyers to them all.  Refer them through using our simple and convenient  90-second online referral form by clicking the big Green Button to the right.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_5″ layout=”2_5″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”1.6%” 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” 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=”” 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)” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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)” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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)” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ background_position=”left top” background_color=”” 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” align_self=”flex-start” border_sizes_undefined=”” first=”true” last=”true” 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” type=”flex”][fusion_builder_row][fusion_builder_column type=”1_1″ layout=”1_1″ last=”true” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” min_height=””][fusion_text]Past results are no indication of future success.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    I look forward to hearing from you.

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

    Graham Doessel
    Chief Executive Officer
    Non-Legal Director

    Tel: 1300-667-218

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

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

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

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ 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]

  • Re: Thomason, Michael J – LOAN DECLINED

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

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

    RE: Thomason, Michael J. Loan Declined.

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

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

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

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

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

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

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

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

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

     

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

     

    Graham Doessel
    Chief Executive Officer
    Non-Legal Director

    Tel: 1300-667-218

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

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

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_6″ 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]

  • Become A MyCRA Lawyers Accredited Referrer In 90 Seconds And Be Instantly Rewarded

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

    Become A MyCRA Lawyers Accredited Referrer In 90 Seconds And Be Instantly Rewarded…

    From Free Sales Training To Three Times The Referral Rewards And Special Offers For Your Clients That Start Sooner And Last Longer, It Pays You To Become A MyCRA Lawyers Accredited Referrer…

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_text]You might already be the best communicator in the world.

    You’re probably amazing at consultative selling.

    Hell, you’re probably an NLP Master Practitioner…  You probably don’t need all of the training resources  we are adding to the accredited referrer portal this year but you might like to become accredited just to make sure you don’t miss out on that one little thing that could launch, propel and rocket you into the stratosphere in 2016.

    I’ve been organising, compiling and  gathering my resources to massively ramp up the sales, motivation, professional, industry and HR resources for accredited referrers within the MyCRA Lawyers Accredited Referrer Portal.[/fusion_text][fusion_tagline_box backgroundcolor=”” shadow=”yes” shadowopacity=”0.7″ border=”1px” bordercolor=”#d6d6d6″ highlightposition=”top” content_alignment=”center” link=”http://bit.ly/400-referral-rewards” linktarget=”_blank” modal=”” button_size=”” button_shape=”” button_type=”” buttoncolor=”” button=”Read This Post to discover how you can achieve $400 in Referral Rewards Per Default” title=”” description=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_tagline_box][fusion_youtube id=”n1zNwA61Y7g” width=”600″ height=”350″ autoplay=”no” api_params=”&rel=0 ” class=””/][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_youtube id=”_Vf_QWiOi6M” width=”600″ height=”350″ autoplay=”no” api_params=”&rel=0″ class=””/][fusion_separator style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”Click Here To Complete The One Page Accreditation page In 90 Seconds” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-check” icon_position=”left” icon_divider=”yes” modal=”become_accredited” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=””]Click Here For The Simple One Page Referrer Accreditation[/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”1px” border_color=”#a7d686″ border_style=”solid” padding=”5px” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”Click Here To Complete The One Page Accreditation page In 90 Seconds” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-check” icon_position=”left” icon_divider=”yes” modal=”become_accredited” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=””]Click Here For The Simple One Page Referrer Accreditation[/fusion_button][fusion_separator style_type=”double solid” top_margin=”25″ bottom_margin=”35″ sep_color=”#81d742″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]

    Refer A Friend Or Client Now

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

    Do You Personally Need A Clean Credit Rating Yourself?

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

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

    [/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Are You An Accredited Referrer Yet? | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_imageframe lightbox=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” 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=”yes” lightbox_image=”” style_type=”bottomshadow” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”fade” animation_direction=”up” animation_speed=”1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] Jonathan Salter | Testimonial | MyCRA Lawyers | Credit Repair Experts | 1300-667-218[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_2″ last=”no” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” 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style_type=”none” top_margin=”25″ bottom_margin=”35″ sep_color=”#353535″ border_size=”2″ icon=”fa-check-square-o” icon_circle=”no” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_button link=”” color=”default” size=”large” stretch=”” type=”3d” shape=”pill” target=”_self” title=”Click Here To Complete The One Page Accreditation page In 90 Seconds” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”fa-check” icon_position=”left” icon_divider=”yes” modal=”become_accredited” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=””]Click Here For The Simple One Page Referrer Accreditation[/fusion_button][fusion_modal name=”become_accredited” title=”Become Accredited In just 90 seconds” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]

    Please complete all fields  |  Your registration will be immediately received by our team and you’ll be notified by email once your application has been approved  |  If you need to immediately refer a client as an accredited referrer, please call 1300-667-218 with your clients details to have your application fast tracked.

    [wp-members page=”register”]

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alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”20px” margin_bottom=”20px” background_color=”rgba(255,255,255,0)”][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible”][fusion_builder_row][fusion_builder_column type=”1_1″ 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  • TESTIMONIAL: Yivan Says “Thank You For Removing My Bad Credit”

    Yivan Says “Thank You For Removing My Bad Credit”

     

    “Hi Anthony,

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

    Kindest Regards
    Yivan”

     

    Yivan says thanks to MyCRA Lawyers "for fixing my bad credit" | Call Now 1300-667-218

     

     

  • Owner Occupied Mortgages and Commercial Finance is Bouncing Back with almost 10% increase in lending (four billion $$)

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