Category Archives: Broker

Financial worries could loom over economy: Consumer Advocate for credit reporting accuracy

Posted on May 17, 2012 by GrahamDoessel

On the whole it seems Australians are feeling insecure about their finances. Is this the catalyst for or as a result of the slow housing and finance market? Is the doom and gloom all in our minds or are Australians in … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged ABS Housing Finance March, bad credi history, consumer sentiment survey, credit debt, credit file defaults, credit rating, credit rating repairer, credit report, Dun and Bradstreet Credit Expectations Survey, Graham Doessel, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

How To Save On Your Home Loan and Prevent Mortgage Stress

Posted on May 15, 2012 by GrahamDoessel

A drop in house prices across many parts of the country could see some families owing more than their homes are worth. Luckily interest rate cuts may offset this change and give people the chance to make some headway on … Continue reading →

Posted in Broker, Consumer | Tagged bad credit, credit file, credit rating, credit rating repairer, credit report, disputing credit listing, Graham Doessel, mortgage repayments, mortgage stress, MyCRA Credit Rating Repairs, non-conforming loan, save on home loan, www.fixmybadcredit.com.au | Leave a comment

Liar liar…why honesty is the best policy when obtaining and repairing credit

Posted on May 10, 2012 by GrahamDoessel

We look at the dangers of being less than honest when it comes to finance and how you can lose your good credit rating because of lying on your finance application. We also see how lying can cross over into … Continue reading →

Posted in Broker, Consumer | Tagged bad credit history removed, credit file, credit listing complaints, credit rating repairer, credit repair, Graham Doessel, lying on your finance application, MyCRA Credit Rating Repairs, NCCP, www.fixmybadcredit.com.au | Leave a comment

How to fix a bad credit rating – in Australia

Posted on May 1, 2012 by GrahamDoessel

How do you fix a bad credit rating? Well it depends on where you live. In Australia it can be difficult, but not impossible. Australians are best to follow advice from our own shores. Here’s some information on credit reporting in … Continue reading →

Posted in Broker, Consumer | Tagged bad credit history, comprehensive credit reporting, credit file, credit rating, credit rating repairer, credit reporting in Australia, creditors, defaults, fix bad credit rating, Graham Doessel, improve credit score, MyCRA Credit Rating Repairs, remove errors from credit file | Leave a comment

Credit Rating Repair Customer Costs – A Tale of Two Business Models

Posted on April 26, 2012 by GrahamDoessel

“It was the best of times, and it was the worst of times.” Nothing could be truer for this time in the credit rating repair industry –we are at a turning point. It is time to examine the credit rating … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged credit file, credit rating repair, credit rating repair customer costs, credit rating repair industry, credit rating repairers, credit repair, credit reporting, customer business payment models, fee for service, Graham Doessel, MyCRA Credit Rating Repairs, no win no fee, www.fixmybadcredit.com.au | Leave a comment

New Credit Rating Repair Industry Body CRIAA positive step for Brokers and consumers

Posted on April 26, 2012 by GrahamDoessel

It is exciting to see where the credit rating repair industry is heading and I am proud to be a part of the formulation of a new industry body which will improve credit rating repair across the board for Australasia. Australian Broker magazine published an article … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged Australian Broker, credit rating repair, credit rating repair industry, credit rating repair industry body, credit rating repairer, Credit Repair Industry Association of Australasia, credit reporting, CRIAA, FBAA, Graham Doessel, mycra | Leave a comment

Emergency loans from family and friends are rampant – where’s the backup plan?

Posted on April 24, 2012 by GrahamDoessel

When times get tough, we all hope our friends and family would be there to lend a helping hand. But if we come up against an emergency, especially if we have a small to medium business, we need to be … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged back up plan, credit file, credit report, defaults removed from your credit file, financial hardship, Graham Doessel, loans from family and friends, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

A consumer advocate shows Aussie singles how to recover from post-relationship credit crisis.

Posted on April 20, 2012 by GrahamDoessel

Being lumbered with relationship debt is a common cause of bad credit. People can be stuck to a bad relationship long after the people in question have got out and moved on. A bad credit rating, or credit rating defaults, … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit history, bad credit history removed, bad credit rating, credit crisis, credit file, credit rating, credit rating defaults, credit repair, fix credit rating, fix relationship debt, Graham Doessel, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

Graham Doessel – consumer credit advocate – reveals the gap has widened between the haves and the have nots

Posted on March 29, 2012 by GrahamDoessel

For those people on a low income, statistics coming from the Australian Bureau of Statistics report that home ownership has transported low income households in Australia from the poverty line over the last six years, and buffered the hard times … Continue reading →

Posted in Broker, Consumer | Tagged ABS, Australian Bureau of Statistics, bad credit history, clear credit file, credit file, Graham Doessel, low economic resource household, low income, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

How to help more clients… A former award winning broker shows why the millions of Aussies with bad credit are not lost

Posted on March 25, 2012 by GrahamDoessel

Those brokers who are just in it for the money are few and far between in this market. Those that have hung around despite all the market conditions thrust upon them must have a passion for the job, and a … Continue reading →

Posted in Broker | Tagged bad credit, bad credit history, broker, credit rating repair, credit rating repairers, credit reporting, creditors, defaults, Graham Doessel, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

One in four Australians short of cash would default on mortgage

Posted on March 20, 2012 by GrahamDoessel

More struggling Australian families than ever do not expect to manage their existing debt levels in the coming months. The numbers of families expecting to have to default on credit like mortgages, utilities, phone and internet bills in the coming … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit history, bad credit rating, Consumer Credit Expectations Survey, credit, credit file, credit rating repair, debt, default;, Dun & Bradstreet, Graham Doessel, mortgage, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

Small business credit hard to obtain

Posted on March 14, 2012 by GrahamDoessel

An interesting article featured in Broker News today, for those interested in small business lending criteria, and small business credit files. It is harder than ever for small businesses to borrow. The story, titled ‘Lenders blasted for small business risk … Continue reading →

Posted in Broker, Industry News | Tagged bad credit history, credit file, credit provider, default;, Dun & Bradstreet, Graham Doessel, lending criteria, MyCRA Credit Rating Repairs, small business credit, small business credit files, www.fixmybadcredit.com.au | Leave a comment

Housing finance falls: ABS Statistics reveal drop for January

Posted on March 13, 2012 by GrahamDoessel

Despite predictions housing finance would flatten or continue to show rises for January, Australian Bureau (ABS) Housing Figures January 2012 released today show the number of owner occupied home loans approved in January fell 1.2 per cent to 47,768. By … Continue reading →

Posted in Broker | Tagged ABS Housing Finance January 2012, bad credit history, credit file, Graham Doessel, MyCRA Credit Rating Repairs, www.fixmybadcredit.com.au | Leave a comment

FREE paper shredder and Identity theft kit to all new MyCRA clients

Posted on February 28, 2012 by GrahamDoessel

Identity theft is the fastest growing crime in Australia, and it is one which can DIRECTLY lead to a bad credit score. If fraudsters are able to assume someone’s identity, they may be able to take out credit in the victim’s name – … Continue reading →

Posted in Broker, Consumer | Tagged bad credit score, credit files, Graham Doessel, Identity Theft, Identity theft kit, MyCRA Credit Repairs, paper shredder, www.fixmybadcredit.com.au | Leave a comment

Comprehensive credit reporting could mean more consumers refused credit

Posted on February 27, 2012 by GrahamDoessel

Comprehensive credit reporting has again come under the spotlight for its potential advantages and disadvantages for lenders and consumers alike. We look at what you should be watching out for with your credit file when the comprehensive credit reporting regime … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged Australian credit reporting, comprehensive credit reporting, consumer credit reports, credit file, creditor, free copy of your credit file, Graham Doessel, MyCRA Credit Repairs, refused credit, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

Refinancing plans could be ruined by errors showing bad credit history

Posted on February 21, 2012 by GrahamDoessel

Consumers have been urged to move their mortgage away from the ’big four’ banks as a response to the raising of home loan rates this month, despite record profits. But any home owner looking to refinance needs to consider they … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit history, bad credit rating, big four, copy of credit report, credit enquiries, credit file, credit file errors, credit history, Graham Doessel, Move your Money, MyCRA Credit Repairs, re-financing, refinancing, www.fixmybadcredit.com.au | Leave a comment

8 things you need to know before making a home loan application

Posted on February 21, 2012 by GrahamDoessel

In the 21st Century, ensuring approval on a home loan application can be complicated. Not only are savings, income and debt level all taken into consideration, but also if the person has a bad credit history. We tell you 8 things … Continue reading →

Posted in Broker, Consumer | Tagged bad credit history, copy of your credit report, credit, credit file, credit file check, credit report, finance approval, Graham Doessel, home loan application, MyCRA Credit Repairs, www.fixmybadcredit.com.au | Leave a comment

Financial hardship biggest reason for complaints to Credit Ombudsman

Posted on February 20, 2012 by GrahamDoessel

Financial hardship cases are reportedly the biggest single cause of complaint to The Credit Ombundsman Service. This is where a consumer claims the creditor has issued defaults for late payment of accounts without considering the consumer’s claim of financial hardship. … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged apply for hardship variation, bad credit score, COSL, credit file, Credit Ombudsman, creditors, default;, financial hardship, Graham Doessel, Money Help, MyCRA Credit Repairs, professional credit repairer, www.fixmybadcredit.com.au | Leave a comment

Protect your credit file when co-borrowing for a home

Posted on February 15, 2012 by GrahamDoessel

Got some savings, want to start in property but can’t afford a home loan on your own? You are part of a growing trend of Australians who are seeking out home buying ‘partnerships’ to get into the property market. We … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit, bad credit score, clear credit file, credit file, credit rating repairers, credit report, Graham Doessel, home buying partnership, home loan, joint debt, MyCRA Credit Repairs, www.fixmybadcredit.com.au | Leave a comment

What you may not know about taking out credit in Australia

Posted on February 15, 2012 by GrahamDoessel

Many Australians are very unaware of what happens behind the scenes when they take out credit. We break it down and show you what it involves, and how your good name and ability to continually obtain credit all hinders on … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit rating, credit, credit file, credit in Australia, credit rating, creditors, default on my credit rating, Dun & Bradstreet, Experian Australia, Graham Doessel, MyCRA Credit Repairs, professional credit repairer, Tascol, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

Job and employment scam: Identity theft revealed at Shock Entertainment

Posted on February 14, 2012 by GrahamDoessel

Music company Shock Entertainment’s new GM, Scot Crawford has revealed today he has been a victim of identity theft and has warned readers scammers are trying to steal personal information under the guise of employment for the company. We look … Continue reading →

Posted in Broker, Consumer, Identity Theft, Industry News | Tagged bad credit score, clear credit file, credit file, credit rating, fixing credit problems, Graham Doessel, identity fraud, Identity Theft, job and employment scam, job and employment scams, MyCRA Credit Repairs, scamwatch, Shock Entertainment, www.fixmybadcredit.com.au | Leave a comment

Housing finance numbers rise: ABS Housing Finance December 2011

Posted on February 13, 2012 by GrahamDoessel

Good news again for the housing market as ABS figures from December show another rise well above that expected by economists. But there is a warning: it could mean more people present with a bad credit report as confidence returns. By Graham … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged ABS Housing Finance December 2011, credit file, credit file errors, credit rating, credit reporting, Graham Doessel, MyCRA Credit Repairs, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

Home owners with credit file defaults forking out $15,000 more in interest

Posted on February 8, 2012 by GrahamDoessel

Australians who are living with defaults on their credit file could potentially be hit with a whopping $15,046.57 or more in additional home loan repayments over the first three years of their loan if they are lucky enough to get … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged Australian credit files, credit file, credit file defaults, creditor, Graham Doessel, home loan, interest rate cuts, MyCRA Credit Repairs, non-conforming loan, repair credit fast, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

As confidence returns, home buyers need to fix credit problems

Posted on February 6, 2012 by GrahamDoessel

Good news may be on the horizon for the Aussie mortgage market. Mortgage sales for January 2012 have revealed a significant return in confidence for home buyers. But with that renewed confidence should come a forewarning for home buyers about … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged AFG, bad credit history, bad credit rating, bad credit report, credit clean up, credit file, credit file errors, credit rating, credit repairers, credit report, defaults, Dun & Bradstreet, fix credit problems, Graham Doessel, mortgage sales for January 2012, MyCRA Credit Repairs, Tascol, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

Helping clients save money through credit repair

Posted on February 2, 2012 by GrahamDoessel

As brokers we are continually faced with meeting clients whose credit report lets them down. These clients stack up financially on all levels…until that last minute credit check reveals they have an adverse listing on their credit file. By Graham … Continue reading →

Posted in Broker, Industry News | Tagged adverse listing on credit file, bad credit rating, brokers, credit check, credit enquiry, credit file check, credit repair, credit repairers, credit report, credit reporting, errors on credit report, Graham Doessel, guarantee a clear credit report, MyCRA Credit Repairs, Veda Advantage, www.fixmybadcredit.com.au | Leave a comment

MyCRA clients tell their stories: Telco mistakes threatening home ownership

Posted on February 1, 2012 by GrahamDoessel

Two of our credit repair clients share their stories on how their good credit rating suffered at the hands of Telco mix-ups. Their stories demonstrate how bill and service disputes can be difficult for customers to resolve, and can ultimately … Continue reading →

Posted in Broker, Consumer, Defaults Removed, Industry News | Tagged bad credit rating, credit, credit file, credit rating, credit repair, credit report, credit reporting agencies, creditors, default removed, default;, Graham Doessel, MyCRA Credit Repairs, rebuild credit file, rebuilding a bad credit history, repairing bad credit rating, Telco customers, TIO, www.fixmybadcredit.com.au | Leave a comment

5 things every young person needs to know about credit

Posted on January 31, 2012 by GrahamDoessel

It’s back to school for most teenagers in Australia. Here is a lesson you might not learn there…Just because you currently aren’t credit active, does not mean you can’t learn about how to make credit work best for you when … Continue reading →

Posted in Broker, Consumer, Identity Theft, Industry News | Tagged bad credit rating, Bankruptcies, clear credit rating, clear-outs, credit, credit active, credit file, credit file has negative listings, credit rating, credit rating repairer, credit reporting agency, creditor, defaults, dodgy credit rating, errors on my credit report, Graham Doessel, help with credit file errors, Identity Theft, judgments, MyCRA Credit Repairs, writs, www.fixmybadcredit.com.au | Leave a comment

Australia still one of most unaffordable places to live?

Posted on January 24, 2012 by GrahamDoessel

A housing survey reveals Australia as completely unaffordable…so how come so many people are so eager to fix their bad credit report and get in to the property market in Australia? By GRAHAM DOESSEL CEO of MyCRA Credit Repairs and www.fixmybadcredit.com.au. The … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit history, clean credit rating, Demographia International Housing Affordability Survey, fix bad credit report, Graham Doessel, housing affordability, MyCRA Credit Repairs, www.fixmybadcredit.com.au | Leave a comment

How to improve your credit score: what to do when you have a bad credit history

Posted on January 23, 2012 by GrahamDoessel

Help for frustrated Australians who find out they have a bad credit rating. By GRAHAM DOESSEL – CEO and founder of MyCRA Credit Repairs and www.fixmybadcredit.com.au. There are approximately 3 million Australians* with adverse listings on their credit file, also known … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged bad credit history, bad credit rating, credit, credit errors, credit file, credit history, credit repairer, credit report, credit reporting, credit reporting agencies, defaults, excess credit enquiries, fix my bad credit, Graham Doessel, how can I repair my bad credit, how to improve your credit score, judgments, MyCRA Credit Repairs, writs, www.fixmybadcredit.com.au | Leave a comment

NCCP class action is passing the buck

Posted on January 19, 2012 by GrahamDoessel

A class action against banks for irresponsible borrowing – seems unlikely when considering how hard it is for so many to get a home loan in this country – particularly for those people with a bad credit history. By GRAHAM … Continue reading →

Posted in Broker, Consumer, Industry News | Tagged 4BC, bad credit history, bad credit rating, clear credit file, credit, credit rating, credit report, default;, first home buyers, Graham Doessel, home loan, how to fix a bad credit rating, Kevin Turner, MyCRA Credit Repairs, NCCP class action, www.fixmybadcredit.com.au | Leave a comment