If you are trying to improve your credit score, you will find tons of resources available to help. There are books, classes, seminars, online articles, credit counseling, etc. There are local companies, charitable companies, national companies, non-profit companies, etc. It can be overwhelming to know where to turn for help. In some cases, a person just needs to do something as simple as pay their bills on time. But some people require more complicated solutions that only an attorney can provide.
In my practice, I like to build customized credit repair plans for my clients. I start by reviewing your household income, your bills, your credit report and your goals. Then, I can help you determine which bills to pay, which bills can wait, which bills you should dispute or try to settle at a discount, and other changes you can make to your finances to maximize the impact to your credit score.
We might also need to remove inaccurate information from your credit report by opening a dispute under the Fair Credit Reporting Act. This is often necessary if you have old debts lingering on your credit report, you have been a victim of identity theft, or you don't recognize debts on your credit report because they have been sold to several different collection agencies.
As a Certified Credit Counseling Specialist, a Certified Debt Specialist, and an experienced bankruptcy attorney, I have counseled thousands of families on credit repair. If you are struggling to rebuild your credit, we should meet to design a custom plan for you.