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Credit Score Assistance

Your path to financial freedom starts here. Get in touch with the experienced bankruptcy attorneys at the Law Offices of Blake Goodman today to explore your options.

Credit Score Assistance Attorneys in Hawaii

Help is Available

A lot of us don’t realize it, but we are being judged every single day of our lives and it’s not in the way we think. Every single purchase you make holds weight. How? Through your credit score.

Credit is a world that doesn’t get nearly enough of the attention it deserves. Far too many people go through life blissfully unaware of how their credit score can both help and hurt them. A poor credit score can make life more challenging. A high credit score can save you money. Credit scores are why many people wait too long to go attempt to file for bankruptcy. They feel that bankruptcy will ruin their credit for life.

At the Law Offices of Blake Goodman PC, we seek to provide free credit help for our clients who have filed for bankruptcy. We understand that one of the most challenging parts of bankruptcy is getting back on your feet. We want to help ease that process and one of the ways we do this is through our free credit recovery program.

Our “2 years to 720 credit score” program was created to help you get back on your feet following bankruptcy. Through our program, we may be able to not only help you recover your credit score, but also raise it to heights you’ve never seen before.

Understand Your Credit

The first step in credit recovery is understanding your credit: How it works, how it impacts your daily life, and what you can do to take advantage of credit to benefit your life.

How Credit Works

Think for a minute that you are trying to decide between 2 services. They both offer the exact same services for the same rate and have the same qualifications. They seem like almost mirror images of each other, but then you go read reviews for them online. One of them is full of negative reviews from unhappy customers. The other is full of glowing reviews about how incredible their services are. Which one are you going to take?

It’s probably the one with the glowing reviews, right? That’s a lot like how your credit works. Your credit is literally the credit to your name and your ability to pay off debts, bills, and other amenities on time. Every time you pay off your credit card bill, you are contributing towards your credit. Every time you miss a payment on a car bill, mortgage, or payment, or let a missed payment reach collection, you are negatively impacting your credit score.
How Credit Impacts Your Daily Life

You might not realize it, but credit is impacting your daily life more than you think. Every time you apply for an apartment, a large loan, or a car payment plan, your credit is being checked. Those who have great credit scores have lower interest rates and in turn, save more money.
It also can get you first in line for items like a home or an apartment. When your credit score gets checked, it is typically being compared against other bidders. If you have low or no credit, then you might get looked over someone with great credit.

How to Take Advantage of Credit

Considering how having great credit can keep interest rates low and get you first in line for large purchases, there is ample opportunity to take advantage of your credit score. Getting it high is simpler than it sounds – pay credit card bills on time, make car payments on time, and pay off mortgages. As you do this, your credit score will rise.

As long as you always spend within your budget, then you should be able to take advantage of all the benefits of a high credit score. Of course, if you are in this situation where you are seeking out credit help, then you may be in a situation where this is not quite as easy as it sounds.

Not on This Island? Come See Our Other Offices!

At the Law Offices of Blake Goodman PC, we have offices not just in Oahu, but on Maui as well. We strive to serve the entirety of Hawaii to our best ability so there is nobody that is left out of the opportunity to pursue help in their life. We will continue to provide the best services possible to you, no matter the location.

If You Have Questions,
We Have Answers

Bankruptcy can be difficult to navigate, but our team is ready to help guide you. Read our frequently asked questions or reach out to us directly to schedule a free consultation for more information.

We Get Results

Reviews & Endorsements
  • “Blake Goodman provided professional and outstanding legal advice.”

    - Moune Romano
  • “They worked with me every step of the way.”

    - Randi Brown
  • “You and your staff consistently made extra efforts in assisting me with my bankruptcy case.”

    - Phetsamone Vuong
  • “His hard work, diligence, meticulous attention to detail, and dedication to his practice reflect great credit upon himself, his practice, his staff, and the law profession in the State of Hawaii.”

    - Ben Pascua
  • “I’m very grateful to Mr. Goodman for the effort and patience he had with me and my daughter. I appreciate it. As for his staff members, they are very kind.”

    - Martha Aki
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What Happens to Your Credit After Bankruptcy?

One of the most common concerns with bankruptcy is that your credit is going to never recover from it. We are happy to tell you that this is not the case. Not only because we offer a “2 year to 720 credit score” program, but because bankruptcy is not something that destroys your finances for the rest of your life the way it has been portrayed as.

For starters, your credit score is more of a snapshot of your credit history and not a full report. Your credit score is going to likely be low when you file for bankruptcy, but if you are already in the situation where you need to seek out bankruptcy, then your credit score was likely low to begin with.

Difference Between Credit Score and a Credit Report

So how does bankruptcy affect your credit? While it will impact your score, you can help raise that score by using this opportunity without debt to start paying off your bills on time and not spending outside your budget. As time goes on, you will see your credit score rise.

Where you will see challenges with bankruptcy and your credit is your credit report. A bankruptcy will stay on your credit report for 7 years. So, anyone that wants to look at your credit report will see that you have a bankruptcy on it. However, every single bill you have ever let reach collection also goes on that credit report for 7 years. So, if you file for bankruptcy and that is the last negative credit item on your credit history, then it is a sign that you have proven to be more creditable.

How We Help

At the Law Offices of Blake Goodman PC, we help you work through your credit. Our “2 year to 720 credit score” program is designed to help you recover from credit after bankruptcy and give you the credit assistance you need to get back on your feet. We provide the guidance you need to not only learn and understand your credit, but to help you make a lifestyle change.

Many of the people who reach bankruptcy got to that point because their lifestyle was unable to handle the debts they were putting on themselves. They overspent on budget, used their credit card to make purchases they couldn’t afford, and all-around needed to make changes. Our program can teach you good habits and a full understanding of what credit is.

Maybe you don’t need a lifestyle change. Maybe an unexpected medical expense pushed you to bankruptcy and you are just looking for a way to get your credit score back to where you want it. We can provide help with that as well. Our program is meant to put you back on the path of credit recovery.


Contact us online or call (808) 518-4844 to schedule a free consultation with our credit score assistance lawyers in Honolulu.


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Embarking on your journey to financial freedom is easy! Reach out to our team today by giving our office a call or filling out the online form.