CASE STUDY – REMOVAL – Rangi had a Kleenheat Gas default removed

[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=”solid” padding_top=”2″ padding_bottom=”5″ 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_1″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text]

Bad Credit Rating Removal Case Study

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Client Profile:

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

Name:	Rangi*
State:	WA
Sex:	Female
Age:	34
Married/Single:	Domestic Partners
Listing Type:	Default
Original Creditor:	Kleenheat Gas
Current Creditor:	–
Paid / Unpaid:	Paid
Listing Amount:	$537
Commenced work:	27/08/2018
Default Resolution:	28/08/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ 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=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” 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=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][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=””][/fusion_text][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Rangi did not know about the default until she saw her mortgage broker and he looked her up. Kleenheat provided Rangi energy and she called them to tell them she was moving and gave them her forwarding address. She paid the outstanding balance and she never received any communication from that point forward. Rangi received her bills by both email and in the mail as a paper copy. She received no notices or communications by either email, or post. She found out about the default and immediately paid it.

What were any challenges with the creditor?
There were no issues with the creditor as they responded to our Law Firm requests in a timely manner.

Why was the listing removed?
MyCRA Lawyers sent an initial request letter to Kleenheat Gas and upon further review, they have agreed to remove the default listing.

Summary:
Rangi engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time Rangi never received any communication regarding the outstanding amount. Rangi only discovered the bad credit default listing when she applied for finance and got declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in just 1 day. Rangi* can now confidently apply for home loan. Congratulations Rangi and good luck!

Rangi’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

[/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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” 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=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

05/09/2018

CASE STUDY – REMOVAL – Kristine had a NAB default removed

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Bad Credit Rating Removal Case Study

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Client Profile:

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

Name:	Kristine*
State:	QLD
Sex:	Female
Age:	67
Married/Single:	Married
Listing Type:	Commercial Default
Original Creditor:	NAB
Current Creditor:	–
Paid / Unpaid:	Unpaid
Listing Amount:	$20,000
Commenced work:	26/07/2018
Default Resolution:	28/08/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ 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=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” color=”default” size=”medium” 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=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][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=””][/fusion_text][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Kristine had the same default with her husband. They closed their business a while back and is now being chased up by NAB creating bad credit.

What were any challenges with the creditor?
There were no issues with the creditor as they responded to our Law Firm requests in a timely manner.

Why was the listing removed?
MyCRA Lawyers sent an initial request letter to NAB and upon further review, they have agreed to remove the default listing.

Summary:
Kristine and her husband engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on their credit file. The listing was the direct result of the time they closed their business. Kristine only discovered the bad credit default listing when she applied for finance and got declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 33 days. Kristine* is now a step closer to achieving a finance approval. Congratulations Kristine and good luck!

Kristine’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

[/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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_right=”0.6666666666666666%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”4_5″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_left=”3.2%”][fusion_separator style_type=”none” top_margin=”40″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_button link=”” color=”orange” size=”medium” stretch=”yes” 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=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”online_enquiry” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”” class=”” id=”” border_radius=”25″]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

05/09/2018

CASE STUDY – REMOVAL – Leesa had a GE/Credit Corp default removed

[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=”solid” padding_top=”2″ padding_bottom=”5″ 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_1″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”left” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][fusion_separator style_type=”none” top_margin=”20″ bottom_margin=”10″ sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=”” /][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Bad Credit Rating Default Removal Case Study

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MyCRA (Specialist Credit Repair) Lawyers Client Profile:

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

Name:	Leesa*
State:	QLD
Sex:	Female
Age:	37
Married/Single:	Single
Listing Type:	Default
Original Creditor:	GE Capital Finance
Current Creditor:	Credit Corp
Paid / Unpaid:	Unpaid
Listing Amount:	$2217
Commenced work:	21/08/2018
Default Resolution:	29/08/2018

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” video_mute=”yes” video_loop=”yes” fade=”no” border_color=”” border_style=”solid” padding_top=”5″ 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_1″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_modal name=”online_enquiry” title=”MyCRA Lawyers Secure Confidential Contact Request Form” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””]Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

[contact-form-7 id=”6642″ title=”Online Enquiry”][/fusion_modal][fusion_button link=”” text_transform=”” title=”” target=”_self” link_attributes=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” color=”green” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_width=”” size=”medium” stretch=”default” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius=”25″]Click HERE Now To Request A Free Call Back[/fusion_button][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=””][/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_1″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” class=”” id=””]

Credit Repair Background:
Leesa broke up with her old partner and he kept the financed king sized bed that he told Leesa he would continue to pay for. Leesa moved address and all of the bills would have gone to his/her old address as she forgot to tell the creditor she’d moved.

What were any challenges with the creditor?
There were no issues with the creditor as they responded to our credit repair lawyers’ default removal requests in a timely manner.

Why was the listing removed?
MyCRA Lawyers sent a demand letter to Credit Corp and upon review have agreed to remove the default listing.

Summary:
Leesa engaged MyCRA Lawyers to investigate the likelihood of removal of a GE Capital / Credit Corp default listing on her credit file. The listing resulted from a relationship breakup and her ex-partner not honoring his agreement to pay agreed finance instalments that were in her name. Leesa only discovered the bad credit default listing when she was later declined for finance. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in just 8 days. Leesa* can now move forward financially. Congratulations Leesa and good luck!

Leesa’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218 now

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05/09/2018

Top Ten Credit Repair Tips

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Top Ten Credit Repair Tips

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Top Ten Credit Repair Tips

Tip 1

Simply making an enquiry about finance with a “PayDay Lender” (i.e. Cash Converters, Nimble etc) can destroy your ability to get certain types of finance for up to five full years!

Tip 2

“Shopping Around” for finance can drastically lower your credit score and your chances for an approval. A good ‘rule of thumb’ is more than 4 finance enquiries in the last six months, or a maximum of six finance enquiries in the last 12 months is usually an ‘auto decline’ with many lenders.

Check Your Credit Rating For Free Here

Tip 3

Keep a close eye on what’s actually written about you on your credit files, as this makes up a very large part of your credit reputation. Check your credit files at a minimum every 12 months.

Tip 4

There are four Credit Reporting Bodies (CRB) in Australia and you may have a different Credit File with different information recorded about you with each one of them.

Click HERE to get access to the free version of all four of your Credit Files

Tip 5

Creditors are ‘busy’ and it’s not unusual to see a default or enquiry on the wrong person’s credit file with the same or very similar name. So you might like to review the information on your credit files to make sure it actually relates to you.

Tip 6

Check and read your credit rating BEFORE you make an application for finance because a Large number of clients we help are referred to MyCRA Lawyers by their broker AFTER they’ve been declined AFTER they assured their broker that they had perfect credit ratings.

Ask your broker if they can help you get your credit files.

Tip 7

Many defaults are caused by not paying a bill you knew nothing about, and very often it’s because the creditor sent the bill to your previous address even though you told them you were moving. It’s a very good idea to advise your creditors in writing (by email) of your new address and the date you’re moving. Another helpful tip is to pay for a 6-month mail redirection at the post office to increase your chances of getting your bills.

Click HERE to check Your Credit Files Today for free, Just To Be Sure

Tip 8

You can lower your Credit Score simply by changing Address, changing jobs, making too many enquiries, making the wrong type of enquiry, being more than 14 days overdue on your payments, by being sued just or many other factors not disclosed by the CRB’s

Tip 9

A Default will automatically ‘drop off’ your credit file 5 years after it was added to your credit file UNLESS it is unpaid and upgraded to Serious Credit Infringement (SCI), also known as a clearout, which will stay on your credit file for 7 years.

Tip 10

Paying an SCI will see it automatically revert back to a Default with a maximum life of 5 years.

Click Here to download a very helpful one-page resource guide with a list of all four CRB’s so you can apply for your Credit files later

Bonus Tip 11

You Don’t Always Have To Wait!

If you’re a bit worried that you might have something lurking in the shadows and you really can’t wait for up to 10 days for your free credit files, then download and complete this form, return it so we can get your two main credit reports with your credit score, normally within 20 minutes.

We’ll even call you back and explain how to read your reports and what it all means in your specific circumstances.

Call 1300 667 218 for more information or to chat about your, or your client’s specific situation.

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11/07/2018

WARNING – Why You MUST NOT Refer Your Clients For Credit Repair

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WARNING – Darren Loades Of Insurance Advisernet Explains Why You MUST NOT Refer Your Clients For Credit Repair To A Credit Repair Agency

Why Brokers MUST NOT Refer Your Clients For Credit Repair

If You’re A Finance or Mortgage Broker or Professional Adviser, Then You Must Read Why You MUST NOT Refer Your Clients For Credit Repair

Darren Loades (Expert Mortgage Broker PI Insurance Adviser) explains why you must not refer your clients for credit repair services through a credit repair agency.

In this short (edited version of a much longer) telephone conversation, Darren Loades of Insurance AdviserNet explains to Graham Doessel where Mortgage Brokers could find themselves without Professional Indemnity (PI) Insurance cover if they refer their clients to a credit repairer who is not a lawyer/law firm.

This (video on YouTube)is just the main points of the conversation, reproduced with Darren’s permission.

Darren explains the need to have a written referral agreement with MyCRA Lawyers – Get your’s here

Darren explains why:

You must declare your referral income to your PI Insurer; and
You must have a formal written agreement with MyCRA Lawyers; and
You must not refer your clients for credit repair to a credit repair agency.

The video is just the main points of a 25-minute phone conversation between Graham Doessel of MyCRA Lawyers, and Darren Loades of Insurance Advisernet where Darren explained to Graham how a Broker referring their client to a credit repair agency, while knowing (or should have known) they (the credit repair agency) are not a law firm and therefore not legally entitled to offer Credit repair Services (legal work), are unlikely to be covered by their PI insurance in the event of civil litigation action against the Broker by the referred client.

This is something that, should a client referred to a credit repair agency get ‘miffed’ at you, could potentially destroy your business and so much more.

Example referring to a credit repair agency:

Broker refers their client to (lovely, well-intentioned credit repairer) ABC Credit Repair Solutions; and
Client does (or does not) get the outcome they wanted; and
Client loses deposit; or
Client loses the opportunity to buy the home etc.; or
Client see’s what happened with other credit repair agencies in the media; and (another Shonky CRA)
Client blames (see’s a potential pay-day) the referring Broker and sues you…

It seems the broker couldn’t rely on their PI cover for protection in the scenario above.

If this is a serious concern to you, please think about only referring your clients to someone you can trust. MyCRA Lawyers is the only Specialist Credit Repair Law Firm in Australia focused solely on Credit Repair with an independently and externally audited successful removal resolution rate of better than 9 out of 10 (91.6%).

So now you can make your mind up and decide if you must not refer your clients for credit repair to a credit repair agency, or if you’re willing to risk your entire business and reputation.

Choose To Protect Your Business, And Protect Your Reputation – Enter into a formal written referral agreement with MyCRA Lawyers HERE.

I look forward to welcoming you as a MyCRA Lawyers referrer.

Darren’s contact details for more information about PI insurance:

Darren Loades
Dip Fin Serv (Broking); Q.P.I.B
Authorised Representative of Insurance Advisernet Australia
Authorised Representative No 262182
Level 1, Niecon Plaza, Victoria Ave, Broadbeach Q 4218
PO Box 1735, Broadbeach QLD 4218
dloades@iaa.net.au | www.insuranceadviser.net/drloades
(07) 5538 7655 | (0414) 999 065

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21/05/2018

MyCRA Lawyers Formal Written Referrer Agreement

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MyCRA Lawyers Referrer Agreement

Please complete the online Automated Written Referral Agreement below to become/remain compliant.

After you’ve completed this form (once only), you can then refer your clients via our

90-second simple online referral form, or
by email, or
by calling 1300 667 218

for a quick chat about your client’s scenario, or to pass on your client’s contact details while you’re on the road…

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MyCRA Lawyers Online Referral Agreement

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You can then refer your clients via our 90-second simple online referral form, by email, or by calling 1300 667 218 for a quick chat about your client’s scenario, or to pass on your client’s contact details while you’re on the road…

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21/05/2018

3 Quick Easy Steps To Automatically Save Your Text Messages To Your Google Drive

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3 Quick Easy Steps To Automatically Save Your Text Messages To Your Google Drive

MyCRA Lawyers helps with Compliance issues | 1300 667 218 — MyCRA Lawyers Helps With Compliance Issues | 1300 667 218

These simple apps will make meeting your compliance obligations so much easier…

What if I could show you one of the simple methods I use to make sure our Credit Repair Law Firm remains compliant – and you get it for nicks!

Hi, I’m Graham Doessel and I’m known for being the CEO of MyCRA Lawyers, Australia’s first and only Specialist Credit Repair Law Firm. I’m also known as a State Councillor for the Finance Brokers Association Of Australia, an advocate for Men’s Health, and a Champion for the Consumer – Basically, I Get Good People Out Of Bad Situations.

That brings me to Compliance Issues, and you might like to ask yourself:

Are your I’s dotted and your T’s crossed?
Are all your ducks in a row?
Do you have Audit Ready Confidence? Are you sure?

What about your text messages?

How are you saving your text messages?
The long cumbersome way of emailing them to yourself?
Having to simply rewrite them word for word into your CRM or File notes?

If you’re like most people & love the convenience of SMS but hate the inconvenience of recording those SMS’s in your files for compliance, then I might have a solution you’ll love…

I found an app called IFTTT (If This Then That) which is supported by thousands of vendors and allows you to program your phone to do repetitive tasks to save you time.

Get and install IFTTT from the Play Store or the App Store

I created a program that copies my text messages I receive from clients etc., straight to a word doc in my google drive account – AUTOMATICALLY! (usually within a few seconds)

I created another program to do the same, but for the messages I sent TO my clients.

I now have one document with all the messages I sent to and received from that client, all time and date stamped, and all in order… Brilliant for auditing purposes or for copying and pasting to your existing CRM or file note system etc.

The program automatically creates a new document for each new client and adds the new text messages to that same document as they come in… Isn’t that so simple and so useful?

3 Simple Steps To Set This Up Are Available Here (We now use our own secure https://lph.la short link domain for your safety)

Step 1.

Install IFTTT to your phone and create your account
- from the Play Store or the App Store

Step 2

Go straight to the app for copying sent texts; then (only for Android today, but iPhone coming in a few days, comment below if you want to be notified of the iPhone version)
Follow the prompts

Step 3

Go straight to the app for copying received texts; then (only for Android today, but iPhone coming in a few days, comment below if you want to be notified of the iPhone version)
Follow the prompts

Done.

It’s that easy! Let me know if you have any suggestions or if you want to know more about how to create the applets yourself – it’s really easy!

If you need a hand with your credit file, please call 1300 667 218 to chat about your situation, or to book your free 30-minute initial appointment.

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09/05/2018

How To Go From Embarrassment To Puffed Up Confidence In Small Business Borrowing

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Five Simple Steps TO Fix Your Small Business Bad Credit

Small Business Credit Repair — MyCRA Lawyers | five simple steps to clean credit | 1300 667 218

How To Go From Being Too Embarrassed To Apply For Finance For Fear Of Rejection In Your Small Business – To The Power, Strength & Certainty Of Being Able To Say No, To Too Many Finance Offers! – In Five Simple Steps!

Historically, We Entrepreneurs/Small Business Owners Often Tend To Put Ourselves Last. This Is How We Survive The Hard Times.

I know that I personally have chosen to pay my staff (at the time of a cash flow crisis) in preference to paying my personal credit card, my salary, or other Small Business related accounts.

Your logic might be similar to mine, in that if we keep the business alive we survive to fight another day and pay our bills later, but if the small business folds we lose everything we’ve worked for and our income stream. To me, it’s a no-brainer.

So if you’ve found yourself with a bad credit rating because of a previous downturn, keep reading and I’ll show you exactly how to get back on top in five easy steps.

5 Steps to Fixing Your Small Business Bad Credit History

Graham Doessel | MyCRA Lawyers | Armstrong Doessel Stevenson Lawyers | Chief Executive Officer — Graham Doessel
MyCRA Lawyers Founder &
Chief Executive Officer

STEP 1: Determine What Account The Default Is For.

Work out how bad your credit rating really is. The best way to do this is to get a copy of your personal and Small Business Equifax, and your personal and Small Business Dun & Bradstreet credit files (see the links at the bottom for more information). Free and Paid options are available.

STEP 2: Gather All The Information First.

Review your credit files and make a note of the following:

the number and type of credit enquiries in the last 12 month period;
the number and type of overdue accounts or defaults listed;
the number of writs, judgements, serious credit infringement’s.

Also, make note of the following:

the date of the listing;
the amount of the listing;
if paid, the date paid;
the automatic deletion date.

STEP 3: Decide How You’re Going To Tackle Them.

Now that you know your credit situation and how good or bad it really is, it’s time to take action to improve your credit score.

Step three is about getting into action. Now you’ll need to negotiate with your creditor to remove the default. Don’t go in ‘guns blazing’, especially if you have a court Writ or Judgment, remember how you like to be treated.

Before you start, decide whether it’s something you want to spend the time and effort yourself to learn the legislation, find the best contacts within each creditor organisation, understand their obligations to be able to point out the errors, and then have the arguments with each of them multiple times… Or,

You want to take advantage of MyCRA Lawyers nine years of specialist training, research, systems, contacts, and our independently externally audited 91.6% removal resolution rate, so you can hand over the responsibility, knowing have now taken the right steps to give yourself the best chance of clean credit rating success.

Decision made!

STEP 4: Write To The Creditor To Ask For Information On The Account.

This is where the rubber hits the road, and it might be hard going if you’re not experienced (there’s up to 8,000 pages of legislation and related reading).

You, or MyCRA Lawyers will contact your creditors individually and request a series of documents and associated information they are legally required to hold about you and your Small Business.

When we receive none, some, or all of that information, our solicitors go through it with a fine-tooth-comb looking for legislative or compliance errors or omissions in the way the listings were added to your credit file.

When we find those errors or omissions (91.6% of the time) we write back to the creditor, instructing them that this default listing is unlawful due to the breach and subsequently requires immediate removal.

STEP 5: Consider Getting A Specialist Credit Repair Lawyer On Your Side.

Your creditor will either argue (we’ve been around a while so it happens less and less), refuse, or simply remove the offending listing.

29.4% of our clients get the good news in seven days or less, with most in 30 days or less.

Once your creditor has agreed to remove the listing, on average it takes between one and 10 days to actually have it erased from your credit ratings.

So if bad credit has been stopping you opening new advertising accounts, securing an overdraft, updating your fleet, refinancing, or anything else that has been holding back the growth of your business, maybe, just maybe it’s time you took some positive action to fix your credit rating and leave the past in the past.

Give me a quick call on 1300 667 218, and we can chat about your situation and what your options really are.

Mention you read this article (SBAA0518) when you call, and you’ll receive a 20% discount on any legal service invoiced & paid before 30/06/2018.

LINKS:

For a list of credit reporting bodies and where to get your free credit files go to:

https://mycralawyers.com.au/free-credit-rating-v2

Meet Our CEO – https://mycralawyers.com.au/who/staff/graham-doessel

Think about joining the Small Business Association of Australia (SBAA)- https://smallbusinessassociation.com.au/membership/

Proudly a National Sponsor of the SBAA – https://smallbusinessassociation.com.au/sponsors/

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19/04/2018

Commercial Default Removal Despite OAIC Refusal – Case Study

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Commercial Default Removal
Credit Repair Case Study

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Client Profile:

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Name:	Belinda
State:	SA
Sex:	Female
Age:	52
Married/Single:	Married
Listing Type:	Commercial Default
Original Creditor:	*”The Company”
Current Creditor:	–
Paid / Unpaid:	Paid
Listing Amount:	$1127
Commenced work:	11/07/2014
Default Resolution:	06/07/2015

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Add your details below and one of the friendly MyCRA Lawyers team will call you for a free, no obligation chat about how best we can help you get your clean credit rating and everything that clean credit will mean for you…

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

[/fusion_modal][fusion_button link=”#form-1″ text_transform=”” title=”” target=”_self” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”center” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”orange” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_color=”” border_hover_color=”” size=”medium” stretch=”default” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius_top_left=”25px” border_radius_top_right=”25px” border_radius_bottom_right=”25px” border_radius_bottom_left=”25px”]Click HERE Now To Request A Free Call Back[/fusion_button][fusion_separator style_type=”shadow” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”75″ bottom_margin=”45″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][/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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”false” spacing_left=”2%”][fusion_text][/fusion_text][fusion_imageframe image_id=”” style_type=”none” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” /][/fusion_builder_column][fusion_builder_column type=”2_3″ layout=”4_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=”” min_height=”” border_sizes_top=”0px” border_sizes_bottom=”0px” border_sizes_left=”0px” border_sizes_right=”0px” first=”true” spacing_right=”2%”][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=””]Credit Repair Background
Belinda believes that “The Company” has improperly recorded a commercial default on her individual credit file.
Belinda worked as a self-employed contractor for “The Company” between May 2010 and December 2010. She changed her address from Suburb ‘A’ to Suburb ‘B’ in September 2010 and informed her “The Company” State Manager of the address change.
Belinda then received further “The Company” stock at her new Suburb ‘B’ address, however, “The Company” sent the invoice and subsequent statements to her old Suburb ‘A’ address.
The account was not paid and a commercial default was listed.

What Were The Challenges?
Belinda was seeking the Commercial Default Removal as she believed the listing was unfair.

Belinda had already sought help from The Office Of The Australian Information Commissioner (OAIC) and various Ombudsman bodies prior to approaching MyCRA Lawyers as both the OAIC and the Ombudsman Bodies had deemed “The Company” correct in default listing.

“The Company” was adamant that the listing was valid as they asserted Belinda had never updated her address with “The Company”, and subsequently refused the commercial default removal request at the time of the initial investigation.

Why Was The Listing Removed?
The Commercial Default Removal was achieved after MyCRA Lawyers evidenced “The Company” had in fact been notified of Belinda’s change of address and then went about conclusively proving both the change of address and “The Company’s” knowledge of the change.

A Deed of Settlement and Release was then drafted, signed and executed to confirm the wishes of both parties.

Summary
Belinda was referred to MyCRA Lawyers by her Mortgage Broker. She then immediately engaged MyCRA Lawyers to investigate the likelihood of Commercial Default removal from her individual credit file.

The Commercial Default was listed as the direct result of her changing address with her creditor, and that address change not being updated correctly by her creditor.

Belinda only discovered the commercial bad credit default listing after applying for a consumer home loan and was declined because of the commercial default.

MyCRA Lawyers negotiated the successful Commercial Default Removal, and even though it took 356 days to achieve, Belinda was protected by MyCRA lawyers Fixed Fee Guarantee and no additional charges were applied to her account. Belinda can now move forward financially.

Congratulations Belinda and GOOD LUCK!

Click below to let Belinda tell you in her own words[/fusion_text][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”45″ bottom_margin=”45″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_youtube id=”et4OmtzZUGo” alignment=”center” width=”600″ height=”” autoplay=”false” api_params=”&rel=0″ hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” /][fusion_separator style_type=”default” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” flex_grow=”0″ top_margin=”45″ bottom_margin=”45″ width=”” alignment=”center” border_size=”” sep_color=”” icon=”” icon_size=”” icon_color=”” icon_circle=”” icon_circle_color=”” /][fusion_button link=”#form-1″ text_transform=”” title=”” target=”_self” link_attributes=”” alignment_medium=”” alignment_small=”” alignment=”” modal=”online_enquiry” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” sticky_display=”normal,sticky” class=”” id=”” color=”orange” button_gradient_top_color=”” button_gradient_bottom_color=”” button_gradient_top_color_hover=”” button_gradient_bottom_color_hover=”” accent_color=”” accent_hover_color=”” type=”3d” bevel_color=”” border_color=”” border_hover_color=”” size=”medium” stretch=”yes” margin_top=”” margin_right=”” margin_bottom=”” margin_left=”” icon=”” icon_position=”left” icon_divider=”no” animation_type=”” animation_direction=”left” animation_speed=”1.0″ animation_offset=”” border_radius_top_left=”25px” border_radius_top_right=”25px” border_radius_bottom_right=”25px” border_radius_bottom_left=”25px”]If You’ve Had Enough Of Putting Up With Bad Credit, Then Click HERE Right Now To Have A FREE No Obligation Chat That Just Might Change Your Life…[/fusion_button][fusion_separator style_type=”none” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” sep_color=”” top_margin=”45″ bottom_margin=”45″ border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” /][fusion_text]

“The Company”* name has been changed to protect privacy and respect the wishes of the parties.

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You’re At The Point Of Decision…

Belinda Struggled for a long time trying to have the commercial default removed herself. She went to the Ombudsman Bodies and made a complaint. They investigated and found in favour of “The Company”.

Belinda still believed that the Commercial Default listing was unfair, so she went to the OAIC and filed even more complaints.

All of the stress, and worry, and sleepless nights started to weigh heavily on Belinda, and when the OAIC also ruled in favour of “The Company”, she felt totally defeated.

Have you ever felt like that? I’ll bet you probably have, haven’t you…

Well thank goodness Belinda’s Mortgage Broker told her of our successes.

And, thank goodness Belinda believed strongly enough that her commercial default was listed unfairly to try one last time with MyCRA Lawyers. And she was vindicated, she was proven right, she proved that the Commercial Default was unfair and had to be removed. She got her life back!

Now it’s your turn. You can either continue down the path of least resistance, the path you’ve already been traveling, or you can choose the road less traveled. The path of least resistance will probably result in you getting the same outcomes you’ve always received.

But, If you want something different to happen, if you want to change the direction of your creditworthiness, change the direction of your ability to move forward for yourself or your family, you’re going to have to do something different. Make a new choice, the right choice to allow you to pursue your new outcome.

Fill out the form below and one of our friendly team will call you back to help you get started on the road to your new financial future. It’s okay, we won’t judge you no matter what’s happened because we’ve been through it too, and we’re here to help.

If you’re excited now because you can see light at the end of what’s been a gloomy tunnel for long enough, you can also choose to pick up your mobile right now, and click call now or enter 1300 667 218 to speak to one of our friendly, helpful team for a free, no-obligation consultation today! You’ll be glad you did!

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Please fill in the form below and we’ll get right back to you.

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

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21/03/2018

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