Bad credit can keep you from living your life to the fullest. It can prevent you from buying a home or securing a loan or financing a car. However, not all credit issues are your fault, yet you can still feel the ramifications. If you are suffering from bad credit due to circumstances like being a victim of identity theft, dealing with a credit reporting error, or encountering some other form of fraud, you need the help of our Bakersfield credit repair lawyers.
At Loker Law, we have helped many clients repair their credit so they can regain financial stability and meet life goals such as home ownership. We can dispute errors on your credit report, negotiate with your creditors, and more.
Visit our website to check out our testimonials and book a free initial consultation where we will learn about your case and you can learn about your options!
Understanding Credit Repair Issues
Credit can be a hassle. If there are issues with your credit report, it can take a person experienced with the legal aspects of credit repair to help you sort it out effectively. Poor credit can be due to a number of reasons, including, but not limited to:
- Identity theft: Phishing scams, stealing your mail, formjacking, and card skimming are only a few of the options thieves use to steal your information and live large on your dime. Because thieves don’t pay back loans or credit card debt, your credit will inevitably suffer if you are being taken advantage of in this way.
If you have had your credit damaged due to identity theft, our Bakersfield credit repair lawyers can take action by reviewing your credit report, collecting evidence that shows you are not responsible for your debt, disputing the charges, and contacting credit bureaus. - Mistakes: Sometimes, the issue behind credit damage is simply inaccuracies. Though these can be a hassle to deal with, Loker Law can help you dispute these errors and return your credit to the amount you deserve.
- Debt harassment: One issue that comes up with poor credit is often illegal harassment from debt collectors. If you are being contacted or even threatened by debt collectors, you have options. Not only can we help you curb the behavior of your harassers, we can help you settle the accounts fairly so that the debt is not hanging over your head and they do not have the opportunity to take advantage of you while you are vulnerable.
How Our Bakersfield Credit Repair Lawyers Can Help
There are so many details that go into credit repair – trying to handle it yourself can be overwhelming! It’s easy to overlook certain steps and others are complicated. Our legal team will take care of everything for you so you can focus on your life rather than paperwork, phone calls, and legal actions!
- We will check your credit report to ensure there are no inaccuracies or worse, evidence of fraud.
- If there are inaccuracies, we will take the necessary measures to dispute them so that they can be corrected.
- We can negotiate with creditors to settle your debts.
- We can represent you in court if that’s what it takes to settle debt disputes.
- We will contact credit bureaus on your behalf to remove fraudulent accounts.
- Even when everything has been taken care of, we will continue monitoring your credit reports to tackle further issues head on.
And more! Everyone has different financial security needs, and luckily we have the experience to help you anticipate and deal with those needs.
Loker Law Can Help With Your Financial Recovery
At Loker Law, we are passionate about what we do, which includes helping people with credit issues! If you are in need of credit repair, our firm is your top choice to get you back on your feet financially. Reach out to schedule a free initial consultation and learn how we can make a difference in your financial future.
Frequently Asked Questions
How can I monitor my credit report?
There are many free services that allow you to monitor your credit report, including through the FTC, and there are also options through companies such as Equifax and Experian.
What are removals?
Removals are negative items removed from your credit report. When you remove items that are hurting your credit, you help improve your overall credit health.
Will paying off debts improve my credit score?
Although paying off debts will not improve your credit score immediately, it will helpfully impact your credit score in the long run. We can also help you identify if there are mistakes on your credit report that are negatively impacting your credit score (such as debts that you previously paid off but that aren’t showing as such!)
