Credit Problems Scottsdale

If you have always enjoyed good credit, but now you are experiencing credit problems in Scottsdale, something may be very wrong. If you have been turned down by a potential creditor or landlord and you don't understand why, someone or something may be playing havoc with your credit. Perhaps your identity has been stolen, or a creditor or credit bureau has been reporting bogus information about you. If you are suddenly experiencing credit problems in Scottsdale or anywhere else in Arizona, do not expect that it will get better on its own. You should speak with someone at Stockton Law Offices before things get even worse.

Most potential lenders, creditors and landlords get their information from one or more of the three major US credit bureaus. Experian, Transunion and Equifax collect information about your bill-paying habits and provide something called a FICO score. Your FICO score is a numerical representation of your creditworthiness. If your score is less than 600, you are considered to be a bad credit risk. A FICO score of more than 710 is considered quite good. Most people have scores around 700. If a creditor tells Equifax, Transunion or Experian that you have been missing payments or paying less than your monthly minimum, it will probably lower your score. Sometimes creditors give the wrong information to the credit bureaus. If this happens, you are bound to experience credit problems in Scottsdale or wherever you are.

According to the Fair Credit Reporting Act, every consumer is entitled to a free credit report within sixty days of any adverse credit decision. You may obtain a report any other time for just a few dollars. It is a good idea to review your credit reports now and then, even if you are not experiencing credit problems in Scottsdale. Go over you reports with a fine-tooth comb and make sure reported payments match your receipts. If you find discrepancies in your report, you can contact the creditors and try to fix things on your own. The only problem is, dealing with creditors and the reporting agencies by yourself can be frustrating and not very effective. If you want the best chance of fixing your credit problems in Scottsdale or wherever else you happen to be, you would benefit mightily from the assistance of the Stockton Law Offices.

The Stockton Law Offices were founded by Arthur Stockton in Scottsdale, Arizona. Stockton brings a lifetime of compassion and caring about "the little guy" to his practice. Arthur Stockton graduated magna cum laude from the University of Arizona College of Law in 1985. The attorneys on his teams in Scottsdale and in San Juan Capistrano, California have represented and advocated for clients with a myriad of credit issues. Credit problems in Scottsdale and everywhere else are difficult if not impossible to repair on one's own. The lawyers at Stockton Law Offices are well versed in all aspects of credit law. If you are dealing with credit problems in Scottsdale or anywhere else in the southwest, you need the expert guidance of a law firm like Stockton Law.