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The Credit Law Center Blog

The attorneys at Credit Law Center fight for consumers rights. The FTC reports that over 79 percent of American consumers have mistakes on their credit reports. Our firm assists consumers in disputing questionable information on their credit reports and demands that the accounts be deleted if they are not 100% accurate. Consumers are protected by the FCRA (Fair Credit Reporting Act) and when we find violations we use them as leverage to get the items deleted. With over 13 years of litigating consumers rights cases we have perfected the dispute process and documenting violations. The best part of all is that there are never any upfront fees and you only pay for the deletion or corrections of an account!

Follow us as we share what we learn about achieving financial goals in life through credit repair!

Better Credit │ Better Life

Millions of people in America with mistakes on their credit report- Credit Law Center

    Believe it or not we live in an age where much of what goes on in our daily lives is monitored, collected and sold to interested parties. Our driving records, our medical history, our internet traffic and most importantly our credit information. Which can make you vulnerable to identity theft or a mistake…

TOP 10 BLOGS 2018

2018 Top 10 Credit Repair Blogs Thank you to all of our 2018 clients for giving us a fantastic year for Credit Law Center.  From our new facility to the thousands of lives we have made an impact on, we wanted to share what we learned last year in the same order that you liked…

How to Find Out If You Are Affected By Equifax Hack

Have you been affected by the Equifax hack? On Thursday, Equifax, one of the three major credit reporting agencies announced that hackers had obtained access to company data potentially impacting approximately 143 million U.S. consumers. After the companies recent investigation, Equifax stated that the unauthorized access occurred from mid-May through July 2017. The cybersecurity incident was…

Building Up Your Fico Understanding and building credit in a positive way takes discipline and some education. Do you recall being taught in school, how to build your credit scores? Did your teachers let you know how big of a role credit would play in your life as you got older? Honestly, it is probably…

Lower Interest Rates & Better Credit Scores│Real Results With Credit Law Center

Increased Credit Scores by 100 Points At Credit Law Center we love hearing success stories from past clients. One client shares how Credit Law Center helped her family save money and increase their scores. What brought you to Credit Law Center? I was online one day and was looking at homes. A lender reached out…

Ballparks On A Budget

Ballparks On A Budget For once, feeling blue is good! (Royal blue that is) and dare I say it, but baseball season is finally here again! If you have looked at the ticket prices at Kauffman Stadium lately you’ll notice they have not gone down. In 2018, the average ticket price for a Cubs game…

When To Make These 6 Big Purchases!

  Timing really is everything! Who knew making large purchases had a “right time” too? If you tend to be organized and can set aside and plan out when your big purchases will be made, this guide is for you. For most, appliances and must-haves tend to give out at the most inconvenient times. In…

Real or Fake? Credit Repair Companies that Over Promise and Under Deliver

As an every day consumer, it is normal to look for “best in the business” for whatever your needs are. Your dog needs a vet? You Google “best vet in said location.” You need a daycare for your kid, you ask other parents around what they recommend. We all want best of the best and…

2019 Credit Forecast-Four Key Trends

2019 Consumer Credit Forecast What’s in store for the consumer credit market in 2019? Increases in GDP personal income. Total employment and the House Price Index among other factors will outweigh potential negatives such as rising interest rates and slowing vehicle sales. Here are four key trends. TransUnion is forecasting- 1. Strong employment and rising…

We Want Financial Freedom For You

Everyone is in search of financial freedom and what steps they need to take to be set for life. As a Credit Repair company we put realistic plans in place for clients that are trying to get back on the right track.  The number one question our credit advisors are asked is: “How long will…

Does unemployment affect my credit?

Does unemployment affect my credit? Unfortunately job loss is something many American’s experience in their lifetime. The loss of a job means financial hardships, which directly affects our consumer’s credit. Here is what you need to know about how job loss can affect your credit scores. Loss of Savings: Money that was saved for emergency…

The Truth About Inquiries

Credit Reports. The Soft and Hard Pull Inquiry Finally Explained There Are Two Main Types of Credit Inquiries Chances are when you have applied for a credit card or a loan, you have heard the term “inquiry.” This inquiry is a credit check to take a look at your credit report, but there is a…

5 Myths on Credit and Divorce

5 Myths On Credit and Divorce Making the decision to end a relationship with a loved one can be one of the toughest calls to make in a person’s life. If you are considering divorce, what is not working is outweighing what is. Whether you are waiting for your spouse to pull the trigger because…

How to fix your Credit

The winds come whipping in, the sky turns black and-BOOM-a tornado blew through all of your life plans! Are you feeling as if Oz himself is behind the curtain pulling random numbers from the debris and  tossing them out one by one? After the dust has settled you see a score that makes no sense,…

How to Protect Those With a Developmental Disability When Handling Finances

Managing money can be challenging for most Americans, even in the best situations. For the 6.5 million people in the United States living with a developmental disability money, credit and debt create a unique concern. Developmental disability is a term used when a person has a specific limitation in cognitive functioning and skills, including communication, social…

A Credit Builder Loan Can Help You Create, or Restore Credit – Credit Law Center

If you have never established credit before, or you are recovering from bad credit, there are ways to help build or rebuild your credit. If you are unable to get approved for a personal installment loan, one great option is a credit builder loan. Consumers seeking a credit building loan to rebuild or build a…

How to Find Out If You Are Affected By Equifax Hack – Credit Law Center

On Thursday, Equifax, one of the three major credit reporting agencies announced that hackers had obtained access to company data potentially impacting approximately 143 million U.S. consumers. After the companies recent investigation, Equifax stated that the unauthorized access occurred from mid-May through July 2017. The cybersecurity incident was discovered on July 29, 2017, in which they…

Improve Your Credit Score, Don’t Let Your Past Financial Decisions Keep You Down

Your past financial decisions may feel like they are coming back to haunt you, and handling the complications that arise from having a less than perfect credit score can be rather stressful. Dealing with your past credit mistakes can leave you feeling extremely frustrated and hopeless, but the good there is re-establishing a good credit…

“Credit Invisible and the “Catch-22” – Credit Law Center

Establishing good credit in this day and age plays a significant role in becoming financially secure. However, there are still 26 million Americans that are still “credit invisible” under the traditional FICO scoring model.If you are one of the 26 million Americans that are “credit invisible” you may already know the challenges that this credit…

Are You Paying Higher Insurance Premiums Due to Low Credit Scores? – Credit Law Center

If you’ve ever applied for a home, auto, personal or small business loan, you probably already know or figured out pretty quickly that your credit score plays a large part in the interest rate you’ll pay or if you can qualify for financing at all. What you may not realize is the fact that your credit score…

Tax Liens and Judgements Removed Equals A Jump in Your Credit Score – Credit Law Center

If you are one of the 12 million consumers that have derogatory tax liens or civil judgments on your credit report you may see a score increase after these critical items are removed. As of July 1, the three major credit reporting agencies, Equifax, Experian, and Transunion, will be removing the derogatory information on credit…

Notifying The Credit Bureaus of the Passing of A Loved One – Credit Law Center

The passing of a loved one comes with many daunting tasks and an overwhelming amount of emotion. One task you may overlook is reporting their death to the three credit reporting agencies, Equifax, Transunion, and Experian. When a loved one passes, the Social Security Administration will eventually get around to notifying the credit bureaus. However,…

Is Now the Right Time for Credit Repair? – Credit Law Center

A significant factor in the credit repair process is determining if you are ready to commit to the lifestyle changes that are required to make it successful. Becoming creditworthy doesn’t happen overnight, and there is no magic formula to increase immediately. Each credit scoring model comes with its unique algorithm that will vary depending on…

Referral Partners Build A Strong Foundation – Credit Law Center

People influence people. A trusted referral influences people more than the best broadcast message. A trusted referral is the Holy Grail of advertising. – Mark Zuckerberg, Founder, and CEO, Facebook Referral Partners are the block too many different industries success stories, therefore making sure you have a strong foundation and great products to offer is…

Wow! With The Cost of Rent Rising Have You Thought About Buying?

Wow! With the cost of rent rising have you ever thought about buying a home? It is important to weigh the pros and cons of renting vs buying. Credit scores are a factor in buying a home, but there are many different programs for future home buyers can help them get approved for a loan. According to a recent report by Zumper National…

Debt Collectors Do Not Care About Your Divorce Decree. – Credit Law Center

A divorce decree is the final courts ruling or judgment in the termination of marriage. In this final judgment, the two parties will divide properties, determine spousal/child support and divide financial debt. Something that is brought up a lot in regards to credit reports and debt collections is, my spouse was supposed to pay that…

Single Parent Home Ownership – Credit Law Center

A Single parent balances work, children and finances daily, this doesn’t stop most single parent households from  the desire to purchase a home. Home ownership to many single parent families represents the ability to achieve self-sufficiency and economic independence, to other single parent households it is a way to provide a stable, engaged environment for their children.…

Are Free Credit Scores a Waste of Your Time? – Credit Law Center

Are free credit scores a waste of your time? Last week, 2 of the big 3 credit bureaus were ordered to pay $23 million for deceiving customers. The CFPB accused the credit bureaus of misleading marketing of false information of credit scores and products being sold to the public. According to the regulator, “TransUnion and Equifax…

2 of the Big 3 Credit Bureaus Busted for Deceptive Marketing – Credit Law Center

2 of the big 3 credit bureaus busted for deceptive marketing – Credit Law Center The Consumer Financial Protection Bureau bust 2 out of the 3 major credit reporting bureaus due to the marketing of their over-priced, under-performing credit monitoring subscription products.  Combined fines and  consumer restitution total $23 million.  CFPB will more than likely…

Credit Score After A Chapter 13 Bankruptcy

Credit Score After A Chapter 13 Bankruptcy How do I improve my credit score after a chapter 13 bankruptcy? After you have completed all of your obligations for a Chapter 13 Bankruptcy and it is now time to move on and one of the first questions you many want answered is what do I do…

Fast Credit Repair Kansas City

Fast Credit Repair Kansas City Fast Credit Repair is possible in Kansas City and nationwide, if you use Credit Law Center and their credit repair attorneys.   Most credit repair companies and consumers mail letters or online disputes to the credit bureaus over the course of months and sometimes even years.  This method may have limited success, but…

How to Fix My Credit After a Repossession – Credit Law Center

How To Fix My Credit After A Repossession “How to fix my credit after a repo” is brought up a lot.  Repossessions are common due to consumers being unable to make payments.  Some are voluntary repossessions or repos are due to consumers choosing to return a car to the lien holder rather than continue to…

How To Fix My Credit After Bankruptcy – Credit Law Center

How To Fix My Credit After Bankruptcy One of the most important things about fixing your credit after a bankruptcy is reviewing a copy of all 3 of the major credit reports. A great place to do that is at Free Credit Hub.  Here you can get a copy of all three reports side by…

Credit Repair Attorney – Credit Law Center

Credit Repair Attorney Credit repair attorneys are attorneys that specialize in credit repair. Credit Law Center is unique in helping clients with bad credit and bad credit scores. There are not many law firms around that use the law in regards to the fair credit reporting act, the fair debt collections practice act, and other…

The Way Credit Repair Should Be

Credit Law Center is your trusted leader when it comes to credit repair.  At Credit Law Center we have been doing attorney based credit repair for over 7 years now.  Credit Law Center is one of the top attorney based credit repair companies in the Midwest region and other states nationwide. Our philosophy at Credit Law Center is to be the best and most…

Should I Close My Credit Card?

Managing your credit card and finances with your credit can sometimes be a little tricky. At Credit Law Center, we often see clients close old credit cards because they have a higher interest rate, where this can make financial sense it isn’t always the best thing for your credit scores. When determining whether or not you…
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© 2018 Credit Law Center
Questions about credit? Talk with an advisor: 1-800-994-3070
Questions about credit? Talk with an advisor:
1-800-994-3070
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