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Credit RepairHave you considered working with a credit repair agency? If you feel like you are on the outside looking in and that your credit is too bad to buy a car or a home like the rest of your friends, it is time to give us a call. It can be frustrating and discouraging to feel as though your credit isn’t good enough to go and purchase a new family car, get a credit card that could pay for your Disneyland trip or buy a home for your kids to grow up in. We live in a society that depends on credit for virtually everything so if you don’t have good credit scores, it can feel like you are on the outside of society. Fortunately, we can help to improve your credit.

We recommend that you call and schedule a consultation so that we can review your credit report and determine why your scores are so low. Sometimes it is because of a large event like a foreclosure or a bankruptcy. However, for most people, credit scores are low due to a series of unfortunate events like missed payments, judgments, collections, etc. Each one of these items will need to be addressed in order to see your scores improve.

One reason to work with a credit repair service is that we have the tools to determine how to experience the greatest impact on your scores, the fastest. We will start by addressing these issues while continuing to work on cleaning up the rest of your report. This way you can see steady improvements and watch as we help you to reach your goal of having good credit that allows you to once again, borrow money in order to achieve some of the plans you have for your family.

Something that many people don’t realize is that in order for something to be reported on your credit, it has to be proven. The company claiming that you did something wrong and reporting it (for example a foreclosed timeshare) must prove that the incident actually happened by maintaining records. Very often, the records aren’t kept. As a law firm, we can demand that they produce the records and if they can’t, we can ask for the item to be removed from your credit report. As lawyers, we have found that companies are more receptive to our request for information, and this can lead to some of the negative marks on your credit disappearing. This process can be applied to claims of late payments, collections, foreclosures, etc.

Another area that we will review is how much of your credit you are using. Many people are unaware that the amount of credit you use in comparison to the amount of credit you have available, can and will impact your credit scores. For example, if you have a $10,000 credit limit on a visa card and use only $3,000 of it – you are in great shape. This will help you to have a higher credit score. If, however, you use $10,300 and are over-limit, that will hurt your scores. We can analyze this for you and create a plan for how you can see improvements to your scores by strategically paying certain debts. To learn more about our credit repair services or to get started, give us a call.

Have you considered working with a credit repair agency? If you feel like you are on the outside looking in and that your credit is too bad to buy a car or a home like the rest of your friends, it is time to give us a call. It can be frustrating and discouraging to feel as though your credit isn’t good enough to go and purchase a new family car, get a credit card that could pay for your Disneyland trip or buy a home for your kids to grow up in. We live in a society that depends on credit for virtually everything so if you don’t have good credit scores, it can feel like you are on the outside of society. Fortunately, we can help to improve your credit.

We recommend that you call and schedule a consultation so that we can review your credit report and determine why your scores are so low. Sometimes it is because of a large event like a foreclosure or a bankruptcy. However, for most people, credit scores are low due to a series of unfortunate events like missed payments, judgments, collections, etc. Each one of these items will need to be addressed in order to see your scores improve.

One reason to work with a credit repair service is that we have the tools to determine how to experience the greatest impact on your scores, the fastest. We will start by addressing these issues while continuing to work on cleaning up the rest of your report. This way you can see steady improvements and watch as we help you to reach your goal of having good credit that allows you to once again, borrow money in order to achieve some of the plans you have for your family.

Something that many people don’t realize is that in order for something to be reported on your credit, it has to be proven. The company claiming that you did something wrong and reporting it (for example a foreclosed timeshare) must prove that the incident actually happened by maintaining records. Very often, the records aren’t kept. As a law firm, we can demand that they produce the records and if they can’t, we can ask for the item to be removed from your credit report. As lawyers, we have found that companies are more receptive to our request for information, and this can lead to some of the negative marks on your credit disappearing. This process can be applied to claims of late payments, collections, foreclosures, etc.

Another area that we will review is how much of your credit you are using. Many people are unaware that the amount of credit you use in comparison to the amount of credit you have available, can and will impact your credit scores. For example, if you have a $10,000 credit limit on a visa card and use only $3,000 of it – you are in great shape. This will help you to have a higher credit score. If, however, you use $10,300 and are over-limit, that will hurt your scores. We can analyze this for you and create a plan for how you can see improvements to your scores by strategically paying certain debts. To learn more about our credit repair services or to get started, give us a call.