MyCRA Specialist Credit Repair Lawyers

Tag: repair process

  • Video Tesimonial: Mike Goldman

    [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=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” 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]We all loved Mike Goldman in Big Brother. We recognise his face & his voice on T.V. ads and you might also have seen his new flick, Killing Goldman.

    What you might also realise is that even personalities and celebrities can fall foul of Australia’s negative credit reporting system.
    (Mike was one of the 9 in 10 people we can help to clean his credit rating.  There is every chance that you are likely to have the same success.)
    Watch the short video below where Mike Goldman explains how he became another victim of the bad credit monster.    [/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=”” 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=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” 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_youtube id=”/d9l1gZdKH8o” width=”600″ height=”350″ autoplay=”no” api_params=”” class=””/][/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=”” 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=”0″ padding_right=”0″ hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” 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]

    We can help you remove your bad credit defaults so you can get your finance.

    If you want a clean credit rating and want to avoid the shonks that are not legally trained, Call Mycra Lawyers now on 1300 667 218 for a no obligation chat about your specific circumstances and chances of success.  We’re here to help you.

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  • Case Study Daniel From Vic Axess Default Bad Credit Repair

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    Bad Credit Rating Removal Case Study

    [/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=””]

    Client Profile:

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    Name: Daniel
    State: VIC
    Sex: Male
    Age: 26
    Married/Single: De Facto
    Listing Type: Default
    Original Creditor: Vodafone
    Current Creditor: Axess Debt Australia
    Paid / Unpaid: Paid
    Listing Amount: $691
    Commenced work: 03/11/2014
    Default Resolution: 15/12/2014
    case study image

    [/fusion_text][/fusion_builder_column][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” border_color=”” border_style=”” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ class=”” id=”” border_sizes_undefined=”0px” first=”true” min_height=”” hover_type=”none” link=”” border_position=”all”][fusion_text]Credit Repair Background:
    Daniel was still living at his parents’ house when this default was reported on his credit file. At the time of the listing, he was suffering emotional and financial hardship due to his brother passing away. This situation resulted in him being unable to work which resulted in him being unable to pay his bills.

    What were any challenges with the creditor?
    There were no issues with the creditor as we presented our case and  they responded to our requests in a timely manner.

    Why was the listing removed?
    Our team informed Vodafone of the circumstances that surrounded Daniel at the time of the listing. They were completely understanding of his situation and understood why he was not able to discuss his circumstances with them at the time. They requested a stat dec to outline his hardship and removed the default once this was provided.

    Summary:
    Daniel approached Mycra Lawyers with 3 remaining defaults as he had previously used another Credit Repair Firm who had been unsuccessful in removing these listings. Daniel was able to have these other listing removed in 30 days also-   Congratulations Daniel!

     

    Click HERE do download the PDF version of this Case Study

     

    Call Mycra Lawyers today if you are struggling with bad credit and need a hand getting it removed fast.  Call 1300 667 218[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • The Reality of a Default

    [fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 1:

    You are a young parent in your 20s. This is probably the most exciting time of your life. You plan all the trips you wish to take your new born child on. Therefore, you desperately require a new car to transport your growing family. You apply for the car loan but you learn of two defaults existing on your credit file.

    Cost of this: No car to transport your newborn child.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 2:

    You have been working really hard for two years in a full time job. You receive a solid and steady income. Every week you put money aside to save for a deposit on your new home. You have been planning and designing every detail from the flooring to the fabric of the curtains. You wonder if you will ever there. You reach your goal amount! You are now able to begin searching for the house you have been working so hard for.

    You do some research, find a mortgage broker, and begin the process of applying for a home loan. Your mortgage broker asks you a standard array of questions. One of those questions is if you have any problems on your credit file. You declare a store card that you had when you were younger. At this time your spending was out of control and you were unable to keep up with the payments.  Although you eventually paid this debt you were still struck with a black mark on your credit file at that time.

    Because of this, you could only be approved for high interest finance through a second-tier lender.  They charged a large initial fee and offered an interest rate two percent above what you could have got if you had a clean credit file.

    Cost of this: A large amount of your deposit.[/fusion_text][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]Scenario 3:

    You and your partner have been saving for your retirement all of your life. Your children have moved out. You both decide that this is now a prime time to fulfill your dreams of adventuring to all the places you wish to visit on your own boat. You have collectively decided on the boat that suits both your needs.  This will make your retirement the luxury experience it should be.

    You approach a broker to be told the devastating news that there is currently a court judgement on your credit file. This court judgement would remain on your credit file for another four years.  The judgement had arisen as part of a commercial dispute that had now been settled. Your broker could not recommend a second-tier lender because the interest rates were so high that you would be put in hardship trying to pay the monthly instalments.

    The worst part is the cost of finance to purchase a leisure product is expected to rise over the next four years. Therefore, when your credit file is clear, you wouldn’t be able to afford to purchase the dream boat. Taking away you and your partners dream of adventuring around the world on your own boat. Something you have both planned for all your life.

    Cost of this: Unfulfilled life dreams[/fusion_text][/fusion_builder_column][fusion_builder_column type=”5_6″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_text]The thing that all these three scenarios have in common is a default has affected their way of life or dreams within life. These scenarios demonstrate the inability to obtain adequate finance. Defaults on credit files could cost you more than the cost to have it removed.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

  • Know The Credit Repair Scammers

    [fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][fusion_imageframe lightbox=”no” style_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”none” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”1_3″ last=”yes” spacing=”yes” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” border_size=”0px” border_color=”” border_style=”” padding=”” class=”” id=””][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container backgroundcolor=”” backgroundimage=”” backgroundrepeat=”no-repeat” backgroundposition=”left top” backgroundattachment=”scroll” video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” bordersize=”0px” bordercolor=”” borderstyle=”” paddingtop=”20px” paddingbottom=”20px” paddingleft=”0px” paddingright=”0px” menu_anchor=”” equal_height_columns=”no” hundred_percent=”no” 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]Your credit score matters. Scammers know this, and they make a living preying on those desperate to improve their score.

    How the scam works:

    You get a phone call or see an ad for a company that claims it can instantly repair your credit. Your poor credit rating has been a barrier to preventing you from achieving.

    You contact the company, and they promise to remove past credit mistakes, such as late payments or a bankruptcy, from your credit report.

    How to identify a credit repair scam:

    Please find below the 5 main points to help you not be caught out with a Credit Repair scam:

    • The company promises to remove all negative information from your credit report. If the information is lawful and accurate, they cannot remove this.
    • You are urged to get a new ‘credit identity’. This is just a sales pitch!
    • Ensure you check all information. Make sure you sign a contract and that it contains the terms of your agreement, including the price, the time period and the services to be performed.
    • Research the prospective company to ensure you know their reputation.
    • Be wise enough to choose MyCRA Lawyers.

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  • Case Study Vanessa From Qld Citibank Default Bad Credit Repair

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

     

     

  • Case Study Severino From Vic Court Judgment Bad Credit Repair

    Click this link to download the PDF – Mycra Lawyers Severino Judgment Case Study