Fixing Your Credit Score: Finding a Lawyer in California
A credit score is a three-digit number that reflects your creditworthiness and overall risk as a borrower. Lenders use it to decide whether to grant you a loan and at what interest rate. A low credit score can mean you’ll have to pay more for auto loans, mortgages, and credit cards.
If your credit score is low, you may need to hire a lawyer to help improve it. Credit lawyers can help you understand your rights as a consumer and guide you through the process of fixing your credit score. They may be able to negotiate with creditors on your behalf or help you contest negative marks.
How to Choose a Credit Repair Lawyer
There are several things to consider when looking for and choosing a credit repair attorney, including:
- You will want to find a lawyer who has experience working with credit law, is familiar with the process, and understands how credit bureaus work. In addition, a good lawyer will be able to let you know if you have a case against the credit bureau or lender and help you understand what your options are.
- Do They Have a Staff? You need a lawyer who has a staff and can handle your case without you having to do much of the work. You need someone reliable when you are going through this to focus on other things in your life.
- You should also consider the cost of hiring an attorney to fix your credit score. Some attorneys charge by the hour, while others charge a flat fee. Decide which payment method works best for your situation.
- Client Portal. Do they have a client portal? If your lawyer doesn’t use a client portal, how will you get updates on your case? Will you be forced to call the office every week to get an update?
- Do they respond when you contact them? Some lawyers are so busy that they hire staff to respond to their client’s inquiries. Make sure that someone can talk to you and answer your questions.
- Does the attorney tell you what their hourly rate is upfront? Even in the same zip code, there can be significant variations in hourly rates between attorneys! It’s important to know the billing rate before you sign the contract.
- Do They Have Testimonials? What are people saying about their service? You’ll want to research reviews from previous clients to see if others have had success with them.
- Are They Licensed? I would suggest working with someone who is licensed by their state bar association or another state agency that regulates lawyers. This ensures that they understand what they are doing and follow all regulations and laws.
We Can Help with Your Credit Score
If your credit score is less than perfect, don’t worry. The Lakeshore Law Center can help. We have over 35 years of experience assisting people in improving their credit scores. If you’re a resident of California in the communities of Yorba Linda, Los Angeles, San Francisco, San Diego, or Santa Ana, call us at (714) 854-7205 today to schedule an appointment.