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Credit repair

Most people need to take out a loan in order to make big purchases such as homes and cars. When you apply for a loan, the loan company usually bases its decision to grant you a loan on your creditworthiness, which is largely based on your credit score. A credit score is based on various factors, including a person's past experience with credit and his or her ability to make payments on time. The better your credit score, the more likely you are to be approved for a loan and get favorable rates. Those with bad credit may find it difficult to get a loan, and in some cases it can even disqualify a person from particular jobs. However, it is possible for people with bad credit scores to repair their credit. FindLaw's Credit Repair section provides information about credit repair and how to go about restoring your creditworthiness. In this section, you can also find articles about the various kinds of credit repair companies and how a credit repair attorney can help you.

Managing Your Credit Score

It's best to properly manage your credit, so that you can hopefully avoid having to repair your credit in the future. Although there are several factors that affect credit score, the two biggest factors are your payment history and the amounts you owe. For this reason, the best way to maintain a good credit score is to make payments on time and reduce the amount you owe.

It's also important to be aware of your credit score. This means that you should review your credit score at least once a year. In fact, you are allowed by law to receive one free credit report each year from the three credit bureaus. Even if you believe you have a good credit score, checking your credit report will ensure that there are no errors that may affect your credit.

Credit Repair Companies

There are companies that offer credit repair services. These companies will perform the same tasks that you would be doing yourself. However, they might have an advantage because of their experience handling credit repair services and their relationship with particular lenders.

If you decide to use a credit repair company, it's important to research the company first. There are certain signs to look for that may indicate a credit repair scam. Insisting on being paid before doing any work, offering to sell you a new Social Security number, failing to explain your legal rights, or advising you to provide false or incomplete information on a credit or loan application are all signs of a possible credit repair scam. Basically, if the fee or services offered by a credit repair company seem to good to be true, it's probably a scam.

Hiring a Credit Repair Attorney

While fixing your credit score doesn't usually require the assistance of an attorney, sometimes it can be a complex and time-consuming endeavor. A credit repair attorney can help you in many ways. The attorney can help you by:

·         Reviewing your credit reports in order to evaluate errors and suggest ways to improve your score.

·         Contacting and negotiating with credit report agencies to remove negative items from your credit report

·         Negotiating settlements with your creditors

·         Representing you in court in the event that your creditors sue you

By having a credit repair attorney help fix your credit score or correct an error on your credit report, you can be free to continue living your life and avoid a possibly frustrating experience.

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Charles Edward Muller, II
Charles Edward Muller, II
57

Bank of America Building 701 Brickell Ave., Suite 1550, Miami, FL 33131

Bar #239356(FL)     License for 1977 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Business | Chapter 13 bankruptcy | Chapter 7 bankruptcy | Commercial real estate | Contracts and agreements | Credit repair | Foreclosure | Lawsuits and disputes | Litigation | Probate | Real estate | Residential real estate | Tax
Charles Edward Muller, II
Charles Edward Muller, II
57

Bank of America Building 701 Brickell Ave., Suite 1550, Miami, FL 33131

License for 1999 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Business | Chapter 13 bankruptcy | Chapter 7 bankruptcy | Commercial real estate | Contracts and agreements | Credit repair | Foreclosure | Lawsuits and disputes | Litigation | Probate | Real estate | Residential real estate | Tax
Michael Andrew Ziegler
Michael Andrew Ziegler
57

2561 Nursery Road, Suite A, Clearwater, FL 33764

Bar #74864(FL)     License for 2010 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Business | Consumer protection | Credit repair | Debt collection | Foreclosure
Melanie Joy Sacks
Melanie Joy Sacks
48

1646 Emerson St Ste B, Jacksonville, FL 322076153

Bar #158070(FL)     License for 1998 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Chapter 13 bankruptcy | Chapter 7 bankruptcy | Credit repair | Personal injury | Workers compensation
Ian Richard Leavengood
Ian Richard Leavengood
47

Northeast Professional Center 3900 1st St N #100, Saint Petersburg, FL 33703

Bar #10167(FL)     License for 2005 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Chapter 13 bankruptcy | Chapter 7 bankruptcy | Class action | Consumer protection | Credit repair | Debt settlement | Identity theft | Workers compensation
Allen Preston Turnage
Allen Preston Turnage
27

2344 Centerville Road, Suite 101 PO Box 15219, Tallahassee, FL 32317

Bar #993085(FL)     License for 1993 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Chapter 11 bankruptcy | Chapter 13 bankruptcy | Chapter 7 bankruptcy | Credit repair | Debt collection | Debt settlement
Bonnie Lynn Canty
Bonnie Lynn Canty
27

1100 S Powerline Rd #101, Deerfield Beach, FL 33442

Bar #131245(FL)     License for 1997 years Member in Good Standing

Practice Areas: Alimony | Child custody | Child support | Contracts and agreements | Credit repair | Debt settlement | Divorce and separation | Family | Lawsuits and disputes | Marriage and prenuptials | Personal injury | Power of attorney | Real estate | Uncontested divorce | Wills and living wills
Jonathan Harris Kline
Jonathan Harris Kline
22

2761 Executive Park Drive, Weston, FL 33331

Bar #6092(FL)     License for 1994 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Business | Credit repair | Entertainment | Foreclosure | Personal injury | Real estate
W Trent Steele
W Trent Steele
19

Steele Square10995 S.E. Federal Highway, Hobe Sound, FL 33455

Bar #349331(FL)     License for 1982 years Member in Good Standing

Practice Areas: Credit repair | Elder law | Estate planning | Foreclosure | Litigation | Personal injury | Real estate | Residential real estate
Scott David Stamatakis
Scott David Stamatakis
12

8751 North Himes Avenue, Tampa, FL 33614

Bar #178454(FL)     License for 1999 years Member in Good Standing

Practice Areas: Bankruptcy and debt | Business | Credit repair | Debt collection | Debt settlement | Foreclosure | Personal injury | Real estate
Brian Lee Michael Balaguera
Brian Lee Michael Balaguera
9

500 Australian Avenue South, 5th Fl., West Palm Beach, FL 33401

Bar #25702(FL)     License for 2006 years Member in Good Standing

Practice Areas: Appeals | Civil rights | Credit repair | Criminal defense | Domestic violence | Family | Identity theft | Immigration | Juvenile law | Personal injury | White collar crime
Sherry Lee Ellis
Sherry Lee Ellis
9

1834 Main St., Sarasota, FL 34236

Bar #146668(FL)     License for 1998 years Member in Good Standing

Practice Areas: Chapter 13 bankruptcy | Chapter 7 bankruptcy | Consumer protection | Credit repair | Debt settlement | Foreclosure | Identity theft

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