Consumer Credit Lawyers

Authored by , LegalMatch Law Library Managing Editor and Attorney at Law

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What Types of Credit Are Available to Me?

There are a number of forms of credit available to consumers. Here are a few common types:

Why Can't I Get a Credit Card? Do I Have Bad Credit?

Banks will often reject an application for a credit card if the applicant has bad credit. The factors that determine whether or not a person has good or bad credit include:

Records of these kind are kept by private companies called Credit Bureaus. Credit Bureaus compile factors into a "credit report" and distribute them to banks. If an individual has a problem with any of these factors, a bank may choose not to extend credit to them.

How Can I Request a Copy of My Credit Report?

You can request a copy of your credit report from any one of the three major Credit Bureaus:

What Can I Do to Improve My Credit Rating?

If you have bad credit there are several things you can do to improve it:

Do I Need an Attorney to Help Me with My Credit Problems?

Dealing with your debts can often be confusing and frustrating.  An attorney can help you sort out your financial problems, and offer solutions, including negotiating with your creditors and possibly filing for bankruptcy.  A lawyer is familiar with your state's laws concerning consumer credit and will help to protect your interests.

Vea esta página en español: Crédito del Consumidor o visita Abogados-Leyes.com para más información legal.

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Last Modified: 11-22-2013 02:53 PM PST

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