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 Blake Goodman, PC, Attorney, 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.