Credit Problems Phoenix

Experian, Equifax and Transunion are the three major credit-reporting outfits in the United States. When you apply for credit, your potential creditor obtains your credit score from one, two or all three of these agencies. If you are experiencing credit problems in Phoenix or anywhere else, it may be because Experian, Equifax or Transunion are giving you a low score. Your score, often referred to as a FICO score, is a numerical representation of your creditworthiness. In the United States, FICO scores range from 300 to 850, with the median score a little more than 700. People with scores of less than 600 are generally considered to be bad credit risks. 650 is considered average credit, and scores above 710 are considered excellent credit risks. If you are experiencing credit problems in Phoenix or anywhere else, you really should call the law offices of Arthur Stockton.

Credit scores are considered predictive of risk in the underwriting of both insurance and credit. If your reported score is inaccurate, you may experience credit problems in Phoenix or wherever else you reside. Squaring away your credit reports and removing incorrect information can be quite difficult. If there is bogus information contained within your credit report, you may require the assistance and advocacy of a competent lawyer. Here at Stockton Law Offices, we have a team of dedicated attorneys who are well versed in all phases of consumer law.

Under the Fair Credit Reporting Act, a consumer is entitled by law to sue credit reporting agencies, creditors and/or debt collectors who make false claims against them. If bad information is causing you credit problems in Phoenix or anywhere else, an attorney at Stockton Law Offices may be able to advocate on your behalf. If you try to sue a credit reporting agency or other entity without the benefit of legal counsel, your chances of receiving satisfaction are not very good. Here at Stockton Law, we know all the ins and outs of credit law. Hiring our dedicated team of lawyers may make all the difference in the world. Don't try to fight the credit reporting agencies on your own. You will only frustrate yourself.

Every consumer is entitled to a free credit report within sixty days of an adverse credit occurrence. If you have been turned down for a credit card or have been offered substandard terms by a potential lender due to your low FICO score, be sure to apply for a credit report from Experian, Equifax and Transunion. Your reports will not reveal your FICO score, but they will give you an idea of why your credit rating is not where you want or expect it to be. If you have any questions regarding credit problems in Phoenix or wherever you are, please call 866.682.8776 and speak with someone at Stockton Law.