As an essential service provider, we are open and here to help you access the courts. We specialize in child custody, domestic violence and all other areas of family law.
Credit Report Integrity & Commitment To Client Service

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, talk to an attorney at Cecil Cianci Law, PC, in Roseville, California.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

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.

What Information Is on My 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 Experian, Transunion, and Equifax. 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.

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.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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