Category Archives: Consumer

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 →

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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 →

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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 →

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The credit card mistakes that increase your risk of bad credit history

Posted on May 8, 2012 by GrahamDoessel

What are the mistakes you could make with your credit card that potentially increase your risk of bad credit history?  We look at the advice for credit cards that could save your credit rating. By Graham Doessel, Founder and CEO … Continue reading →

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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 →

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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 →

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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 →

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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 →

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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 →

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Working away from home? This could impact your credit rating. How to keep your credit file clear when you’re working away.

Posted on April 5, 2012 by GrahamDoessel

Australian miners – you may be the highest paid workers in the country, but in the credit rating repair profession, unfortunately you top the list as the occupation group most likely to get caught out with a bad credit rating. … Continue reading →

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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 →

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Consumer advocate Graham Doessel, showing ordinary Aussies how to avoid bad credit history from credit card debt

Posted on March 27, 2012 by GrahamDoessel

A major source of bad credit history is credit card debt. People spend more than they can afford, and may even take out one card to pay off the other – and never really clearing their debts until one day … Continue reading →

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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 →

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Credit – friend or foe? 6 tips to make credit work for you

Posted on March 7, 2012 by GrahamDoessel

Credit – friend or foe? Yes you should take advantage of credit, and we show you how to do that without blowing out repayments, and preventing a bad credit history. By Graham Doessel, Founder and CEO of MyCRA Credit Rating … Continue reading →

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How healthy is your credit rating?

Posted on March 2, 2012 by GrahamDoessel

Your credit rating is just like your health.  You can get regular check- ups and maintain it, or you can wait until something goes wrong before you get it fixed. Knowing what’s on your credit file is the key to … Continue reading →

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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 →

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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 →

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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 →

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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 →

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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 →

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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 →

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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 →

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Valentine’s Day blues. What you need to know about your credit rating when love goes bad

Posted on February 14, 2012 by GrahamDoessel

There are many people on Valentine’s Day who are falling out of love, not in love. If you are going through a divorce or separation, we provide 10 steps to financial separation and show you how to keep your clear … Continue reading →

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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 →

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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 →

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Keep your head when you follow your heart this Valentine’s Day

Posted on February 13, 2012 by GrahamDoessel

Happy Valentine’s Day for tommorow, 14th February everyone…hoping cupid’s bow meets its target this Valentine’s Day and sends you someone special. If it does – and you are about to take the commitment road, here’s some important points you need … Continue reading →

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How can I fix my bad credit rating fast?

Posted on February 8, 2012 by GrahamDoessel

“Fix my bad credit” – Sounds good  – so what’s that all about? As credit rating repair specialists, we get asked time and again to rebuild your credit history so you can get that car, that home, that credit card … Continue reading →

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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 →

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How to dispute a bill and keep a clear credit file

Posted on February 6, 2012 by GrahamDoessel

What many credit repairers don’t want you to know…There’s a wrong way to dispute your bill. The wrong way can lead to bad credit history – leaving you unable to obtain credit for 5 to 7 years. Here is how … Continue reading →

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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 →

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