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Assisting Clients in Credit Repair and Debt Relief in Clearwater, FL

Your credit score plays a vital role in your life. It affects your ability to access credit and secure a home loan. Now, nearly every lender will require a credit check before issuing a loan. Having a low credit score can result in a denial of a home loan, a car loan, or a personal loan. If bad credit has been preventing you from making the financial decisions you would like to make, you can benefit from the help of an experienced credit repair and debt relief lawyer.

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Contact an Experienced Lawyer Today

Carolyn Secor, P.A., has helped many Clearwater area clients regain good credit so they can move on with their financial lives effectively. With Attorney Secor’s help, you can be on your way to being approved for a mortgage to purchase a home, or securing the car loan you need. If you have a bad credit score, do not lose hope. There are multiple ways you can improve your credit score. Attorney Carolyn Secor, P.A., will evaluate your case and advise you of your best options for improving your credit score. Contact us today to discuss your options for credit repair and debt relief in Clearwater, Florida.

Repairing Your Credit

Attorney Carolyn Secor, P.A., has helped many Clearwater area clients repair their credit successfully. She understands that having a good credit score plays a significant role in many areas of her clients’ lives. She uses provisions of federal law and Florida state law to secure debt relief for her clients and help them repair their credit. She stays aware of any critical changes to the law in the area of bankruptcy and credit repair to provide her clients with up-to-date, skilled legal representation.  

Every credit repair situation is unique and requires a unique strategy. Attorney Carolyn Secor, P.A., has helped clients in various financial situations repair their credit. In some cases, a client will need to file for bankruptcy and then build his or her credit score up after the bankruptcy. In other cases, she has helped clients resolve errors in their credit reports, resulting in an increased credit score. She will evaluate each client’s situation and provide effective solutions.

The Credit Repair Process

After Carolyn Secor, P.A., meets with a client, she will thoroughly examine the client’s credit reports to understand which events led to a decreased credit score. She will provide the client with counseling tailored to his or her unique situation about how credit bureaus assign credit scores. She also provides clients with tips on how to improve their scores and keep their scores high. Attorney Carolyn Secor, P.A., will advise on any available way to quickly repair her client’s credit scores using tried and proven techniques.

Our legal team can help you rebuild your credit history after filing for bankruptcy. We can also help you develop strategies to pay your bills on time to avoid another bankruptcy or receive another low credit score. We will show you how to use the Fair Credit Reporting Act (FCRA) to evaluate your credit report file and how to limit who can see your file and how it can be used. 

Using a Credit Repair Company

We can evaluate your situation and help you decide whether you would benefit from using a credit repair company’s services to clean up your credit file. Using a credit repair company is advantageous in some cases, but there may be better options available to increase your credit score in other cases. Sometimes credit repair companies only provide services that you can do yourself with the assistance of an experienced lawyer, so it is not worth hiring them to help you with your credit score. 

Most states, including Florida, have enacted laws that regulate credit repair companies heavily. These laws provide consumers with protection from credit repair companies and impose additional obligations on them than the Fair Credit Reporting Act’s protections. We will advise you as to whether your situation warrants the help of a credit repair company. Suppose you have already begun working with a credit repair company, but you are concerned that the company is violating your rights under the Fair Credit Reporting Act. In that case, we will represent you and negotiate with the company, ensuring that they comply with all federal and state laws.

How to Fix Your Credit After a Bankruptcy

We have helped many clients repair their credit scores after they have filed for chapter 7, chapter 11, or chapter 13 bankruptcy. If you file for bankruptcy, we recommend that you sign up for a credit service that will allow you to login monthly to monitor any changes to your credit score. You can take advantage of the free graphs to chart the changes in your credit history. 

We will also review your case and make sure there are no errors on your credit reports that have resulted in a lower score. In some cases, the credit bureaus make errors when accounting for a person’s bankruptcy, or they fail to report positive changes that will increase your score. We will also provide you with counseling regarding how to improve your credit score and pay your bills on time in the future.

Schedule a Consultation

Get the help you need to repair your credit and take back your life by working with Carolyn Secor, P.A. Our legal team has the tools and knowledge you need to take control of your credit score and improve it. Say goodbye to financial worries and be on your way to rebuilding your credit score with our help and advice. We have years of experience helping those in Clearwater, Florida, and the surrounding areas. Let us help you, too! Call us today to set up your initial consultation and start rebuilding your credit.

Contact Us Today for a Free Consultation