Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Ryan
QLD
Male
25
Single
Default
Suncorp

Paid
$8777

Commenced work:                          8/04/2016
Default Resolution:                        28/06/2016

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Credit Repair Background:
Ryan had a personal loan with Suncorp. He moved in November 2013 and did not let Suncorp know that he was moving. Ryan was going through hardship as he lost his Job and his place of residence and had to move back in with his parents. Ryan found out about the default listing when he did a credit report check.

What were any challenges with the creditor?
Suncorp wanted payment for the documents under Australian Privacy Principal 12. After documents were received, MyCRA Lawyers noted a lack of evidence for the default notice and a response letter was sent to Suncorp. Suncorp advised they will not be responding as the case is closed. We then represented Ryan in submitting a complaint was then escalated to the Financial Ombudsman Service (FOS).

Why was the listing removed?
A complaint was submitted to the FOS as Suncorp was unable to provide a copy of the default notice and would not review the matter further when it was brought to their attention. After FOS’ intervention, Suncorp then agreed to remove the listing.

Summary:
Ryan was in the middle of purchasing a house and wanted his default removed. It took a little longer for his default resolution due to Suncorp not wanting to discuss the issues but MyCRA Lawyers managed to negotiate removal of his default listing in 81 days and Ryan can now move forward financially. Congratulations Ryan and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Brenton
VIC
Male
54

Judgment
Trustees of the Christian Brothers

Paid
$3231

Commenced work:                          12/02/2016
Default Resolution:                        15/07/2016

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Credit Repair Background:
Brenton has a paid judgement from his son’s school from overdue school fees. In a divorce maintenance arrangement, Brenton paid his ex-wife and she was to pay the school fees. However, she did not pay and the school obtained judgement against him.

What were any challenges with the creditor?
The college was reluctant to sign the consent order as Brenton had another outstanding debt owed to the college which dates back to 2013 regarding the same account.

Why was the listing removed?
The plaintiff’s solicitors have signed the consent orders as the outstanding amount was paid by the client.

Summary:
Brenton wanted to re-finance so he needed he judgment removed. We managed to negotiate removal of his judgment in and Brenton can now confidently apply for home loan. Congratulations Brenton and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Matthew
QLD
Male
49
Married
Court Action
Local Council

Paid
$21,426

Commenced work:                          22/04/2016
Default Resolution:                        13/05/2016

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Credit Repair Background:
Matthew and his wife are horse trainers and had a court writ from water charges that they knew nothing about. They live on a street that underwent a name and number change and mail was getting undelivered and they had received mail for other people. The water bill had accumulated during this time.

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

Why was the listing removed?
The plaintiff signed the Consent Order to set aside Judgment.

Summary:
Matthew was referred to our office by his mortgage broker. Matthew wanted his court writ removed as they want to purchase another home with stables. We managed to negotiate removal of her default listing in 21 days and Matthew can now move forward financially. Congratulations Matthew and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

David
QLD
Male
47
Single
Default
ANZ Bank

Unpaid
$47,241

Commenced work:                          16/08/2016
Default Resolution:                        19/08/2016

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Credit Repair Background:
David went through a messy divorce and moved out of his marital home. David suffered financial and emotional hardship following this and his family business went into liquidation. David knew that the account was overdue but he could not afford to pay the minimum monthly amount. ANZ called him to remind him of the outstanding amount and he advised them that he could not afford repayments. David eventually ended up with 4 defaults with different creditors as a result of his financial hardship.

What were any challenges with the creditor?
ANZ provided a letter with a reference number, however, no mention of a client’s name was on it. Our office contacted ANZ regarding this and they advised that the request for documents was sent through to the wrong department and it was forwarded to the corrections department who will take up to 30 days to respond.

Why was the listing removed?
ANZ investigated the matter following MyCRA Lawyers involvement and confirmed the default would be removed.

Summary:
David contacted MyCRA Lawyers as he wanted his credit file cleaned up as he had 4 default listings. We managed to negotiate removal of his default in 3 days and he is one step closer to getting his finance. Congratulations David and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Benjamin
QLD
Male
31
Single
Default
Optus
Lion Finance
Unpaid
$394

Commenced work:                          8/08/2016
Default Resolution:                        16/08/2016

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Credit Repair Background:
Benjamin had an account with Optus that was overdue. He was aware of the outstanding amount and was disputing the validity of the charges. When he moved to the United States, Optus rang him to pay the total amount. He disputed the matter again and refused to pay. They asked to settle and pay half, in return they would reconnect his service. Benjamin agreed and paid the amount. Benjamin was a part time student at the time and he was not willing to pay for a bill that he disputed had incorrect charges.

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

Why was the listing removed?
Lion Finance advised after investigation that they will remove the default listing.

Summary:
Benjamin was referred to our office by his mortgage broker. He wanted the default listing in his credit file removed as he wanted to obtain a loan. We managed to negotiate removal of his default in 8 days and Benjamin can now move forward financially. Congratulations Benjamin and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Luke
VIC
Male
39

Default
Credit Corp

Unpaid
$3,083

Commenced work:                          31/08/2016
Default Resolution:                        1/09/2016

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Credit Repair Background:
Luke and his partner had a son in 2009. He was struggling financially but tried to make every payment he could. Luke had a GE card for an interest free purchase (lounge) about 4-5 years ago and thought he had paid it out in full as he made a lump sum payment from his tax return and after more payments, he stopped receiving statements from GE which he thought meant it was paid.
Luke has had the same phone number for 9-10 years and did not get phone calls from GE and same address since 2013 and no mail advising of the outstanding debt.
Luke had previously used a “cheap” credit repair business but after a few weeks, they cancelled their phone number and shut down their website. He knew he needed to do something about the default and understood that he needs to go with the company that will give him the best shot.

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

Why was the listing removed?
Credit Corp has agreed to remove the default after being contacted by MyCRA Lawyers.

Summary:
Luke was referred to our office by his mortgage broker. He has paid a $20K deposit on a unit off plan and contract is unconditional, he needs to get finance and does not want a non-conforming lender with massive interest. We managed to negotiate removal of his default listing in 1 day and Luke can now move forward financially. Congratulations Luke and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Ben
NSW
Male
33
Married
Court Action
Workers Compensation

Unpaid
$4,730

Commenced work:                          17/05/2016
Default Resolution:                        19/05/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Ben is a sole trader and was not aware of the court action. He found out about the listing in his company credit file when he did a credit application to change his address and personal banking to NAB and the bank manager notified him of the court action. He immediately contacted the plaintiff straight away.

What were any challenges with the creditor?
There were no issues with the Plaintiff as they responded to MyCRA Lawyers requests in a timely manner.

Why was the listing removed?
The solicitors signed the Consent Order to set aside the court action. This was then sent to the then Veda (now Equifax) and Dun and Bradstreet to have the listing removed.

Summary:
Ben contacted MyCRA Lawyers with 2 listings on his credit report that he wanted removed from his credit file as he was looking at changing some credit cards in his business. We managed to negotiate removal of the default listing in 2 days and Ben can now move forward financially. Congratulations Ben and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Renee
WA
Female
33
Single
Default
Wright Express

Paid
$592

Commenced work:                          2/09/2016
Default Resolution:                        13/09/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Renee and her husband split in 2012. She knew she was leaving with lots of bills to pay as everything was under her name as she organised all the financials. Renee was running her own part time business at the time as well as working full time. After her move, tt was to hard for her to run her own business as she lived further from her clients. Her work realised she was travelling 1.5 hours to work everyday so transferred her to another branch so she could continue working. When Renee left her husband, she took on three credit cards, a personal loan and a car loan. During this time, she struggled to catch up on all her finances.

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

Why was the listing removed?
Wright Express agreed to remove the default after a review of the account.

Summary:
Renee contacted MyCRA Lawyers as she wanted the default listing removed from her credit file. The default listing was stopping her from acquiring a loan. We managed to negotiate removal of her default listing in 11 days and Renee can now confidently apply for finance. Congratulations Renee and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Craig
VIC
Male
50

Default
Westpac
Lion Finance
Paid
$881

Commenced work:                          30/08/2016
Default Resolution:                        30/08/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Craig had a credit card a account with Westpac which was part of the finance package when he was granted a home loan by Westpac. In January 2014 he moved house when he and his wife separated. Craig met with the bank manager and advised they had seperated and that his ex-wife was living in the house and covering the mortgage and then also looked at borrowing to cover the debt but was knocked back. He received a call from Westpac advising the payments were behind in which he advised that he and his wife were separating and would be paid on settlement. Craig was contacted by Lion Finance who would ring him occasionally querying how he was going.
During the phone discussions, he notified Lion Finance he was going through a separation with his ex-wife and repeatedly informed Lion Finance that when his property settles, he intended to pay out the credit card debt.
All the mail were being sent to his ex-wife who never told him about the mail.

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

Why was the listing removed?
Lion Finance agreed to remove the default after being contacted by MyCRA Lawyers.

Summary:
Craig was referred to our office by his mortgage broker. Craig wanted his default removed as he is applying for home loan. We managed to negotiate removal of his default listing in the same day we contacted Lion Finance and Craig can now confidently apply for finance. Congratulations Craig and good luck!

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

Mycra Lawyers - Credit Repair Industry Experts

Bad Credit Rating Removal Case Study

Client Profile:

Name:
State:
Sex:
Age:
Married/Single:
Listing Type: 
Original Creditor:
Current Creditor:
Paid / Unpaid:
Listing Amount:

Melissa*
NSW
Female
38
Single
Judgment
Local Council

Unpaid
$5452

Commenced work:                          26/07/2016
Default Resolution:                        03/08/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Melissa* was listed with a judgment by her Council that she thought was paid.

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

Why was the listing removed?
The plaintiff signed the consent order to set aside judgment.

Summary:
Melissa* called our office as she wanted to start work on a new listing from our previous success with her other judgment. We managed to negotiate removal of this judgment listing in 8 days and Melissa* can now confidently apply for finance. Congratulations Melissa* and good luck!

Melissa’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