Roseville Credit Report Lawyers
Why Your Credit Score Is so Important
The information on your credit report can tell a great deal about you — where you live, your bill-paying record, whether you've filed for bankruptcy, whether you have ever been arrested, and more. For these reasons, it's vital to make sure the information on your credit report is accurate. If you have questions about your credit report, talk to an attorney at Cecil Cianci Law, PC, in Roseville, California.
The Value of a Good Credit Score
You know how important your credit report can be. Lenders, employers, insurance companies, and more all look at your credit report to make decisions about how they'll interact with you. An accurate credit report can mean the difference between landing a new job or purchasing a new home and falling short of those goals. It's crucial to periodically ensure accuracy and dispute information on your report that isn't accurate.
How Long Does Information Stay on Your Credit Report?
If there is inaccurate information on your credit report, you have the right to challenge credit report errors under the Fair Credit Reporting Act. If the information is accurate but negative, it can stay on your credit report for a significant length of time— seven years for most information and ten years for bankruptcy information. Information about a criminal conviction can stay on your credit report indefinitely.
What if the Credit Report Has Inaccurate Information?
You can dispute mistakes, and the credit reporting agency has an obligation to investigate and respond to you. If an error is found, the agency must fix it immediately.
The three consumer reporting companies in the US are:
- And Equifax
How Cecil Cianci Law, PC Can Help
You cannot remove a bankruptcy filing, but you can assure that the information available is accurate. Contact a bankruptcy lawyer about your credit report questions. At Cecil Cianci Law, PC, your first consultation is free. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Read our testimonials to see what our clients have to see about working with our firm!
Contact us online or give us a call at (916) 675-3866 to find out more about how we can help you ensure the information on your credit report is accurate or help you file for bankruptcy if you're experiencing significant financial difficulties.