Recent Blog Posts
Things That Hurt Your Credit Score
Many factors can reflect poorly on your credit trustworthiness, including at least one that is not your fault: identity theft. Identity thieves can open new accounts in your name, accrue significant debt, and, of course, fail to pay back these debts. Since it can be difficult to fix your credit score by yourself, it… Read More »
Why You Cannot Trust the Results of a Furnisher Investigation
Your credit report rights include the right to dispute erroneous information in your credit reports. Unfortunately, it is not likely that the problem will be corrected in a timely manner and quite often, erroneous information is not corrected at all. This is why so many consumers turn to a credit lawyer for guidance. At… Read More »
Credit Reporting Myths You Need to Know
Your credit is critical for your personal financial health, yet many people still believe common misconceptions about credit scores and credit reporting. Unless you have recently visited a consumer credit law firm in Fairfax to discuss identity theft or inaccurate credit reporting with a credit lawyer, then it may be time to learn a… Read More »
What to Do When Debt Collectors Call About Money You Do Not Owe
You are protected from abusive debt collection practices and related inaccurate credit report items under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act in Fairfax. Unfortunately, this does not mean that you are guaranteed to never become the target of these abusive debt collectors. It is important to fully understand… Read More »
Get a Better Understanding of Your Credit Score
Your credit score is integral to your financial health. It can persuade lenders to extend a loan or line of credit, and it can influence the rate you receive. There are many different credit scores sold to consumers, and those scores can differ in scoring models from the scores used by a lender who… Read More »
Defining Good Credit Scores
With credit scores, a high number is desirable. If your credit score is less than 720, you can expect to pay more in interest over the life of the loan. Or, you may not be approved for a loan at all. It is advisable to check your credit reports and your scores before applying… Read More »
Are You Eligible for Damages After a Credit Report Error?
If you have suffered harm as a result of credit report errors, you may be entitled to seek compensatory damages. Consider talking to a credit lawyer about your situation. For individuals who live in Fairfax and beyond, consulting a consumer advocate is a necessary first step toward recovering damages for financial problems caused by… Read More »
How Do Public Records Impact Your Credit Score?
You may already know that your credit score fluctuates based on various types of financial information. If you have different types of credit accounts, make payments on time and in full, and otherwise manage your credit responsibly, then you are likely to have a good credit score. Certain public records, credit card debt, unpaid… Read More »
How to Handle Credit Report Errors
The Fair Credit Reporting Act entitles every American to a free copy of each their credit reports from the three major credit reporting agencies once every 12 months. At any time, you may choose to purchase additional copies. Residents of the Fairfax area who exercise their credit reporting rights by regularly reviewing their credit… Read More »
Get the Facts on Employer Credit Checks
You may already know that if you have poor credit, you may have difficulty obtaining a car loan, mortgage, or credit card. But did you know that you could also jeopardize your candidacy for a job? Many employers run background credit checks on job candidates. By reviewing a candidate’s financial history, it is thought… Read More »
