CRITICAL HOME LOAN QUALIFICATION
Is This You?
Your Deposit's Saved - Everything's Sorted - But Your Credit Score's Still Crushing Your Home Loan Application?
Watch the short video below now to see the compliance tests we put your creditors to, and what it means for your home loan settlement.
It comes off your legal fees.
A regulated Australian law firm. AFCA member.
By now you've probably worked out it's not about the score, it's about the file. We're the most exclusive in the country because our clients say we are, without question, the best in the country. People don't come to us when they want the cheapest price. They come to us when they absolutely need it done right, the first time.
So, do you qualify?
One
You're buying a home in the next six months and the only thing stopping you is the bad credit.
Two
The bad credit happened two or three years ago and you're in a good financial position now.
Three
It's something we can actually help with, not a bankruptcy or a Part IX.
We're not for everyone. That's deliberate.
The Creditor Credibility Challenge
We don't repair credit with tricks. The listing lives or dies on the creditor's compliance, not on whether you owed the money.
A member of our legal team reads your actual credit file, and we put the creditor to proof on the obligations they had to meet before they listed you. Where they can't prove compliance, the listing has to go.
We have not seen one single creditor that is 100% compliant with the minimum legislation required to list a default today.
What's in the appointment
And the $139 comes off your legal fees the day you go ahead. Proceed, and the appointment costs you nothing.
What clients say about Rod
"When I spoke with Rod, I was genuinely impressed by his honesty and professionalism. Instead of being encouraged to spend money I don't have and go into more debt, I was advised that nothing needed to be done and that the issue would resolve itself within a month. That level of integrity is rare and truly appreciated. Thank you to the whole team for your transparency and genuine care."
Schuster
"Rod was wonderful. Made me feel very relaxed. Didn't make me feel embarrassed about my situation. Thank you."
Kerri-Anne Lee
"From the initial consultation with Rod to the final outcome, MYCRA have helped me twice with issues, especially with Credit Corp. Sunay was amazing, Rod was excellent explaining the process and what was required. Thanks again to the Team in your assistance."
Milt Adams
4.8 stars on Google. 29.4% of defaults are removed within 7 days, on our own records.
Our fastest ever removal resolution was just 14 minutes from the first email, to the creditor agreeing in writing.
That one is a record, not a promise.
Three ways you're covered
The $139 is like a deposit, not a fee
It comes off your legal fees the day you go ahead. Proceed with the quote and the appointment costs you nothing.
Money Back Guarantee
On six creditors, Credit Corp, Panthera Finance, Pioneer Credit, Toyota Finance, MoneyMe and Transaction Capital, we back the work with a 100% Money Back G'Tee on the professional fees for that listing. - Remember to ask for it during the Zoom Appointment.
If you don't need us, we say so
Rod reads your files. Asks questions about the credit file history, and what type of credit the default is blocking, and if there's nothing that actually needs removing, he tells you that on the Zoom call.
Many 5 Star Google Reviews are from exactly this scenario.
Before you book, Three Rules...
■ Bring minimum One, preferably both credit files, Equifax and Experian, as PDFs. No Credit File = No Appointment. If you'd rather not waste time chasing them, we'll get them for you from $49.50 each: lph.la/cf
■ If your partner has any say in buying the home, then they're on the Zoom or there's no appointment.
One call, both of you, every question answered live.
■ If you don't want to pay $139 up front, Then this is not for you. Watch the Tiktok Lives & try to do it yourself. Upload your credit file PDF for a free Credit File Analysis at app.FixMyBadCredit.com.au
Why do I have to pay $139 just to talk to someone?
Because we're a law firm, not a coffee shop. We legally can't quote Legal Services until we know what we're quoting on, and the appointment is where Rod finds that out. The $139 comes off your legal fees the day you go ahead, so when you proceed, your appointment costs you nothing. If you won't pay $139 for the appointment, you'll never pay the legal fees, and that's exactly why the fee is there - to stop time wasters taking that one limited time slot that a quality client like you needs.
Can't you just tell me a price?
Not before the appointment, and not because we're being cagey. What it costs depends on what's on your credit file, who listed it, why, and when you need the loan. We never give a price until we've sat down and worked out exactly what you're doing and why. Rod gives you the full written fixed-fee quote on the Zoom, once he understands your situation. You'll have everything in writing before you decide anything.
I paid the default. Isn't it fixed?
A default stays on your file for five years from the day it was listed, paid or unpaid, unless you ask MyCRA Lawyers to remove it sooner. A paid default doesn't get you the loan. A Clean Credit File does. And some paid defaults are among the easiest for us to remove, whatever the cheap mob told you.
I owed the money. How can you remove it?
It's not an honesty system, it's a legal system. The listing lives or dies on whether the creditor followed the law when they put it there. And Most Can't Even Prove What They Did...
Why does my partner have to be there?
Because over seventeen years we've learned both decision-makers ask different questions and want different information. One Zoom, both of you, every question answered live. It also ends the I'll have to ask my partner loop before it starts. Zoom means you can be in two different places and you can both still be in the Zoom.
Who does the appointment?
Rod is our credit repair specialist and he conducts the initial Zoom appointments. Our CEO - Graham Doessel hand picked Rod because of his ability to make the complexity of your credit files easy to read, navigate, and understand. Rod decides if you are a good fit as a client of our firm. You don't reach the legal team until you've qualified and paid. That's deliberate.
What happens after?
You read the written quote on the Zoom call. If it's a yes, you transfer the legal fee to our trust account and the work starts immediately. If it's a no, you've spent $139 finding out exactly where you stand. Either way you do not leave guessing.
What happens if I change my mind?
Because we offer a fixed fee legal service, there are no refunds once the invoice has been sent to you. This is separate to any money back guarantee as listed in your credit file if you qualify for that service specifically.
SECURE YOUR QUALIFICATION SPOT
Deposit saved. Everything sorted. One thing in the way.
Rod takes Strictly Limited qualification appointments each week.
Book the next one now before they're gone.
It comes off your legal fees.