Home | Blogs | Learn About Disputing Credit Problems and Credit Repair

Learn About Disputing Credit Problems and Credit Repair

Credit RepairAs a law firm, we provide credit repair services to individuals and couples that are looking to improve their credit score.  Your FICO score is incredibly important because it determines whether or not you will qualify for a loan to buy your home, a new car or a credit card to go on vacation.  If you are in a situation where you cannot qualify for a loan because your scores are too low – it is time to get help.  Living without credit can be incredibly difficult and cause a family to become trapped in their current situation.  The good news is that you do not have to stay this way.  We can help to repair your credit so that you can qualify for a loan again.

How Credit Repair Can Help You

It is rare to find a credit report without any problems.  Your report is generated by businesses providing information to the credit bureaus.  That information can have errors that are causing your scores to drop, something that we can clear up.  Our repair services can:

  • Dispute delinquencies, including missed payments, judgments, and collections.
  • Request bankruptcies to come off of your credit report after 7 or 10 years.
  • Get trade lines removed that do not belong to you or are the responsibility of an ex-spouse.

Our Credit Repair Services Can Teach You How to Manage Credit

Many people think that all credit is bad.  That is simply not the case.  Your credit accounts can actually help to improve your credit score if you know how to manage them correctly.  Even credit cards can make a positive impact on your scores.  We can look at your credit report and provide you with guidance regarding which accounts to keep open, which ones to close, and what balances you need to keep them at.  For example, if your credit cards are maxed out, that will cause your FICO score to drop, even if you are paying them on time.  However, if that same credit card has a $10,000 limit and you are only using $3,000 or 30 percent of it, your scores can improve.  When you use a small percentage of your available credit it demonstrates that you know how to make wise use of it and that you are exercising financial responsibility and restraint.  However, when you max out your cards, it looks like you are struggling financially.  This is a perception you want to avoid since it will cause a drop in your credit scores.

We will provide you with specific tips, suggestions, and instructions for what to do regarding everything that is showing up on your credit report.  Following our instructions can help you to see fast and long-term improvements to your credit score.  After all, credit repair should be about more than the immediate fix.  With that in mind, our services aim to empower you to make positive financial decisions in the future.  To learn more about how we can help you, call and schedule a consultation with our law firm today.

Debt Settlement Lawyer  >  Bankruptcy Services