Credit Restoration Lawyer
Talk To An Experienced Jonesboro Bankruptcy Attorney About Restoring Your
A low credit score can be frustrating on many levels, leading to higher
interest rates and denied lease and loan applications. Typically, bankruptcy
has a negative impact on your credit score for several years. After you
have emerged from bankruptcy, however, you can take smart steps that will
help you repair your credit score faster.
These steps include:
- Applying for a secured card (making small, steady, on-time payments each
month will rebuild your credit score as your payment history accounts
for 35% of your credit score)
- Checking all billing statements each month for accuracy
- Paying your balance in full each month or keeping balances low
- Setting up automatic payment plans so that you do not miss payments
- Building up your savings
- Paying off loans that were not discharged during bankruptcy in a timely manner
- Asking when you can upgrade to an unsecured card (usually if you have successfully
managed a secured card for more than 12 months, your bank will let you
- Refraining from opening too many new credit cards
- Charging only what you can afford onto your credit cards
Getting you back to financial stability!
At DeLoache Law Office we think it is helpful to have legal guidance on
your side during a bankruptcy and after emerging out of bankruptcy. We
may be able to help you repair your credit score by working with you resolve
errors on your credit report, assisting you with creating a workable budget,
and advising you on how to avoid predatory lending scams and payday loans.
While you can work with a credit restoration service, it is important to
keep in mind that these companies usually do not have a single attorney
on staff. We understand all the applicable laws and will use our knowledge
and expertise to benefit you.
Call our office for a
free, no obligation consultation with our legal team!
We proudly serve the areas of Jonesboro, West Memphis, Paragould, Blytheville
and surrounding cities in all bankruptcy matters.