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:

Michelle*
QLD
Female
26
Single
Default
Flexirent

Paid
$2075

Commenced work:                          18/08/2016
Default Resolution:                        25/08/2016

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Credit Repair Background:
Michelle* took out a lease for goods through Flexirent to assist her friend and her friend was to make the payments. Michelle* was unaware that her friend did not pay the outstanding amount. Michelle* had then lost her job and was under financial hardship. Flexirent contacted her about the overdue payment and Michelle* relayed this to her friend. Her friend told her he would pay it. She had no contact from Flexirent after that, so she presumed her friend paid the outstanding amount.

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?
Flexirent removed the default listing after being contacted by MyCRA Lawyers.

Summary:
Michelle* was referred to our office by her mortgage broker. She wanted the default listing in her credit file removed so they can move on with a home loan to purchase their first home. We managed to negotiate removal of his default in 7 days and Michelle* can now confidently apply for a home loan. Congratulations Michelle*and good luck!

Michelle’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

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:

Daniel
QLD
Male
42
Single
Judgment
Local Council

Paid
$4,540.22

Commenced work:                          3/05/2016
Default Resolution:                        5/05/2016

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Credit Repair Background:
The Council issued 2 notices stating that Daniel’s rates account was overdue for 2 years in the amount of $4500. Daniel’s partner, telephoned the Council notifying them of the Council’s mistake and the Council stated that they would rectify the error. Daniel did not think any further about the Council’s outstanding rates notices until he and his partner applied for an investment home loan.

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 solicitors signed the Consent Order.

Summary:
Daniel and his partner contacted MyCRA Lawyers to remove the judgment from Daniel’s credit file. They want to apply for a home loan for an investment property. We managed to negotiate removal of the default listing in 6 days and Daniel can now move forward financially. Congratulations Daniel 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:

Jane*
VIC
Female
41

Judgment
City Council

Paid
$1392

Commenced work:                          9/12/2015
Default Resolution:                        17/12/2015

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Credit Repair Background:
Jane* did not recall court documents being served by Kingston City Council. If they had done so, it would have been during her relationship break up with her husband and she did not recall receiving it.

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’s solicitors agreed to the Consent Order to set aside judgment.

Summary:
Jane* was referred to our office by her mortgage broker. She wanted the default listing removed from her credit file. We managed to negotiate removal of her default in 8 days and Jane* can now move forward financially. Congratulations Jane* and good luck!

Jane’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

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:

Mike
QLD
Male
40

Default
Westpac
Panthera Finance
Unpaid
$228

Commenced work:                          24/06/2016
Default Resolution:                        20/09/2016

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Credit Repair Background:
In October 2015, Mike had been diagnosed with depression. This obviously has been going on prior to October and made him lose track of things, especially since he also felt the pressure of owning his own business.

What were any challenges with the creditor?
We had issues with Panthera Finance as they advised there was a delay with obtaining documents from Westpac.

Why was the listing removed?
MyCRA Lawyers investigated the matter as Panthera Finance advised that the default was correct. We found that there was an error in the time frame of when Westpac listed the default from when they sent a default notice to Mike, and when MyCRA Lawyers brought this to Panthera Finance’s attention, the default was removed.

Summary:
Mike contacted our office as he and his partner applied for a home loan but got rejected due to defaults on his credit file which he didn’t know about before that. We managed to negotiate the removal of this listing and Mike is now a step closer in achieving finance. Congratulations Mike 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:

Robert
QLD
Male
56

Commercial Default
Flexigroup Leasing

Unpaid
$1971

Commenced work:                          9/09/2016
Default Resolution:                        4/10/2016

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Credit Repair Background:
Robert was a director of a company that went under external administration due to a failed property investment. Robert purchased a tablet at Harvey Norman and they advised that he could rent with Flexirent for his business use at the time.  Robert had 2 Flexirent defaults.

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

Why was the listing removed?
Flexirent investigated and confirmed that there was a duplicate default and removed the listing.

Summary:
Robert was referred to our office by his mortgage broker. He is looking for a business loan of $40K as a franchise fee for a business. The bank had repossessed property and his company was showing up on his Veda file (now Equifax) as ‘Under External Administration’ and as a result, he could not get a loan for the franchise he was buying into. We managed to negotiate removal of his commercial listing in 25 days and Robert can now confidently apply for a loan. Congratulations Robert 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:

Nicole
SA
Female
38
Single
Default
Toyota Finance

Unpaid
$758

Commenced work:                          24/06/2016
Default Resolution:                        29/09/2016

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Credit Repair Background:
Nicole and her partner had financial issues with the ATO and they had to refinance with a bank with a higher interest rate due to the default but had little choice as the ATO debt had to be paid. It was a very difficult time for 2 years for Nicole and her partner as they are struggling to make ends meet, and in this case, Toyota was one creditor that they missed paying.

What were any challenges with the creditor?
A complaint was raised with Toyota Finance when MyCRA Lawyers investigated the documents and found errors with the default listing. Toyota Finance failed to respond to our query and instead referred us to their initial response which did not address our concerns.

Why was the listing removed?
MyCRA Lawyers found that Nicole advised Toyota Finance of her hardship and they failed to assist her. When Toyota Finance did not respond to our complaint, MyCRA Lawyers represented Nicole with the Financial Ombudsman Service bringing these complaints to their attention. Toyota Finance then agreed to remove the default listing from Nicole’s credit report.

Summary:
Nicole and her partner were referred to our office by their mortgage broker. Nicole had a default on her credit report which she needed it removed so they can get a re-finance for their home as they were on a higher interest rate from having bad credit. We managed to negotiate removal of her default listing and Nicole and her partner can now confidently apply for home loan. Congratulations Nicole 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:

Dean*
QLD
Male
41

Default
Yalumba

Paid
$2183

Commenced work:                          2/08/2016
Default Resolution:                        1/09/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Dean* had moved house in May 2014 and did not let the creditor know he was moving. Yalumba contacted him regarding the overdue amount by phone. At the time of the listing, Dean* was undergoing a low business quarter. This is Dean’s* second default that MyCRA Lawyers investigated for him.

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?
Yalumba responded to our request for information and in consideration of the listing and Dean’s* circumstances, they agreed to remove the default listing.

Summary:
Dean* was referred to our office by his mortgage broker. Dean* wanted his default removed from his credit file. We managed to negotiate removal of his default listing in 30 days and Dean* can now move forward financially as both of his listings were removed.  Congratulations Dean* and good luck!

Dean’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

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:

Dean*
QLD
Male
41

Default
Commercial Kitchen

Paid
$14,972

Commenced work:                          2/08/2016
Default Resolution:                        18/08/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Dean* had moved house in May 2014 and did not let the creditor know he was moving. Commercial Kitchen contacted him regarding the overdue amount by phone and SMS. At the time of the listing, Dean* was undergoing a low business turnover and overcapitalized the project.

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?
Commercial Kitchen’s solicitors responded and advised that their client has taken the steps to remove the default listed on the Veda (now Equifax) records.

Summary:
Dean* was referred to our office by his mortgage broker. Dean* wanted his default removed from his credit file. We managed to negotiate removal of his default listing in 16 days and Dean* can now move forward financially.  Congratulations Dean* and good luck!

Dean’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

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:

Laura
QLD
Female
27
Married
Commercial Default
Platinum Electricians

Paid
$2606

Commenced work:                          29/08/2016
Default Resolution:                        1/09/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Laura was listed with a commercial default when it was work undertaken as a consumer. Laura had the work done in her private name, on a property where the title and mortgage is in her private name (consumer transaction).  She had electrical work done in her kitchen,  and there was a fire not long after which was due to the electrical work. This was fixed by another tradesman. She refused to pay the invoice from the first electrician because of this incident. She has not signed any paperwork or agreements with the Electricians giving them permission to access her credit information/file.

What were any challenges with the creditor?
None. The Electricians’s Director responded to our request for documentation.

Why was the listing removed?
The Electricians were unable to produce sufficient documentary evidence and they removed the default listing.

Summary:
Laura was referred to our office by her mortgage broker. Laura wanted her default removed as she wanted to apply for a loan. We managed to negotiate removal of her default listing in 3 days and Laura can now move forward financially. Congratulations Laura 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*
QLD
Female
28
Single
Default
Integral Energy
Origin
Unpaid
$1616

Commenced work:                          2/08/2016
Default Resolution:                        23/08/2016

Click HERE Now To Request A Free Call Back

Credit Repair Background:
Melissa* put the electricity in her name because her then husband told her that he had a credit default from his ex-spouse. Melissa* and her husband became homeless as her husband lost his job. Because of this, they were under extreme financial hardship.
Melissa* attempted to express this to Integral Energy; however they were unable to offer any alternatives for payment to her.

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?
Origin now own Intergral accounts and removed the listing after communications from MyCRA Lawyers.

Summary:
Melissa* was referred to our office by Aussie Home Loans. Melissa* was considering getting it removed so she does not have to wait 12 months to buy a house. We managed to remove her default in 21 days and Melissa* can now move forward with her home loan. 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