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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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Jonathan Harris Kline

2761 Executive Park Drive, Weston, FL 33331

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

Jonathan Harris Kline

2761 Executive Park Drive, Weston, FL 33331

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

“You want a lawyer who will handle your case with care and integrity.” As your South Florida Lawyer we have been providing legal counsel for businesses, corporations, and individuals throughout the entire state of Florida for over eighteen years. From mortgage foreclosure defense, bankruptcy, real estate transactions, real estate litigation, and general litigation we have been providing excellent service to our clients.

Ian Richard Leavengood

727-327-3328

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

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

Ian Richard Leavengood

727-327-3328

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

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

Ian is a native Floridian, born and raised in St. Petersburg. After receiving his Bachelor of Science and Masters degrees in Accounting from the University of Florida, Ian worked as an internal business consultant for The Procter & Gamble Distributing Company. Ian returned to the University of Florida, entering the Levin College of Law in the Fall of 1997. During his second stint at UF, Ian served as a Judicial Extern for the Honorable Justice Ben F. Overton of the Supreme Court of the...

Brian Lit

2364 Boy Scout Rd Suite 200, Clearwater, FL 33763-0901

Bar #10554(FL) License for 2005 years

Practice Areas: Credit repair | Estate planning | Real estate | Residential real estate

Brian Lit

2364 Boy Scout Rd Suite 200, Clearwater, FL 33763-0901

Bar #10554(FL) License for 2005 years

I have been a Florida Resident for the past 23 years. After Law School, I represented Option One Mortgage, a subsidiary of H&R Block. I have a passion for both Mortgage and Real Estate Law and pride myself in assisting clients through difficult issues.

Practice Areas: Credit repair | Estate planning | Real estate | Residential real estate

Michael Andrew Ziegler

727-538-4188

2561 Nursery Road, Suite A, Clearwater, FL 33764

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

Michael Andrew Ziegler

727-538-4188

2561 Nursery Road, Suite A, Clearwater, FL 33764

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

Attorney Michael “Mike” Ziegler represents consumer and commercial clients in foreclosure defense, bankruptcy, collection matters, and various other civil litigation issues. Attorney Ziegler’s focus, when working with his clients, is to understand their individual situation; a remedy that may work for one client may not be the right fit for another. Attorney Ziegler has obtained relief for consumers facing mortgage foreclosure, including loan modifications, waivers of deficiency, and short...

Joel Brown

954-334-9100

5371 NW 33rd Ave Ste, Fort Lauderdale, FL 33309-6346

Bar #66575(FL) License for 1995 years Member in Good Standing

Joel Brown

305-371-3666 x227

5371 NW 33rd Ave Ste 205, Fort Lauderdale, FL 33309-6346

Bar #66575(FL) License for 1995 years Member in Good Standing

Bonnie Lynn Canty

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

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

Sherry Lee Ellis

941-363-0800

1834 Main St., Sarasota, FL 34236

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

Melanie Joy Sacks

1646 Emerson St Ste B, Jacksonville, FL 322076153

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

Melanie Joy Sacks

1646 Emerson St Ste B, Jacksonville, FL 322076153

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

RE: POSSIBILITY OF PREVENTING A JUDGMENT FROM BEING ENTERED AGAINST YOU BY FILING A BANKRUPTCY If a collection lawsuit has been filed against you. If you do not act timely, you may be in jeopardy of a judgment for money damages being entered against you. After entry of a judgment, your wages, money and property may thereafter be taken without further warning from the Court. Consultation with an attorney early in the litigation process may give you the greatest opportunity to...

Charles Edward Muller, II

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

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

W Trent Steele

772-408-6969

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

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

W Trent Steele

772-408-6969

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

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

W. Trent Steele was born in Staunton, Virginia, but has been a lifelong resident of South Florida. He has been practicing law for over 25 years and specializes in residential and commercial real estate law, estate planning and probate law, and business law. In his role as lawyer, adviser, counselor and advocate, Mr. Steele is committed to providing aggressive, competent, cost effective and caring representation for his clients. He has also served as an officer or board member of the following...

Allen Preston Turnage

850-224-3231

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

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

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Credit repair

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Jonathan Harris Kline

Jonathan Harris Kline

Ian Richard Leavengood

Ian Richard Leavengood

Brian Lit

Brian Lit

Michael Andrew Ziegler

Michael Andrew Ziegler

Joel Brown

Joel Brown

Joel Brown

Joel Brown

Bonnie Lynn Canty

Bonnie Lynn Canty

Sherry Lee Ellis

Sherry Lee Ellis

Melanie Joy Sacks

Melanie Joy Sacks

Charles Edward Muller, II

Charles Edward Muller, II

W Trent Steele

W Trent Steele

Allen Preston Turnage

Allen Preston Turnage

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