Credit issues can impact nearly every part of your life. From qualifying for an apartment to getting approved for a car loan or even securing certain jobs, having a good credit score is essential. When your credit score drops due to errors, old debts, or identity theft, it’s easy to feel overwhelmed. The good news is that you don’t have to face these challenges alone. Whether you’re dealing with low credit due to financial issues or you want a plan in place to build your future, call our Waco, TX credit lawyer today!
Waco, TX Credit Lawyer
Having a good credit score in today’s world can help you in many aspects of life. Often, people believe that they have no control over their credit score outside of finding ways to improve it. However, outside of using strategies to improve your credit score, the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) give you powerful protections. When reviewing your current credit score, our first mission is to make sure your rights are being upheld.
We can start by reviewing your credit reports from the three major bureaus, Experian, TransUnion, and Equifax. While these credit reports are fairly reliable, that doesn’t mean mistakes can’t happen. We can identify common errors like outdated information, accounts that don’t belong to you, duplicate entries, incorrect balances, or items that should have been removed years ago. These issues can quickly drag your credit score down. We can also intervene if you’re dealing with aggressive debt collectors.
After checking if there are any credit errors, we can help you build your financial future. We can work with you to build a tailored plan that’ll go a long way in repairing your credit score. Strategies can include negotiating lower balances and establishing settlement agreements.
Why Our Experience Matters For Credit Cases
Whether you’re dealing with a specific issue like identity theft or you just need a helping hand after years of having your credit damaged, our Waco credit lawyers can help.
- Our founding attorney, Marcus Leinart, brings over 20 years of legal experience. Many of his clients come to him after issues like a job loss or a personal injury. He understands that there’s often a strong connection between life emergencies and issues like low credit or debts.
- Richard Anderson III is our senior bankruptcy lawyer. Besides helping his clients overcome the initial bankruptcy process, he can also provide guidance on how to repair their credit following one. Depending on the situation, a bankruptcy can immediately cause your credit to drop by 100 points or more, but our team can provide you with a path forward.
- We have several positive reviews and testimonials from satisfied clients. Our clients appreciate that we provide a judgment-free zone with tailored solutions.
Having strong credit can help in many ways, but the path to getting there isn’t always easy. Discover how our Waco credit lawyer can provide you with the correct financial tools. Call us today at Leinart Law Firm!
