Free Annual Credit Reports

Until recently, credit users had to pay to view their credit score. However, the federal government passed a new law which allows customers to view their credit score for free once a year. Viewing your credit score annually is highly recommended, as it allows you to view your ratings and claims, which have serious effects on your financial future.

If you are experiencing financial hardships, and are repeatedly unable to make your monthly payments, you may want to consider filing for bankruptcy. Contact a New Orleans bankruptcy attorney from the law offices of the Law Office of David D. Kervin, Jr., LLC to discuss your case with a professional. Call 504-599-5906 today to schedule a free initial consultation.

How Reports Work

Credit reports are fairly complicated. There are three credit bureaus that are in charge of calculating credit: Trasunion, Experian, and Equifax. However, these bureaus do not all function in the same way. The equations used to consider credit scores vary. In order to get a comprehensive reading of your credit score, it is recommended that you request a report from all three bureaus at the same time and compare them to one another.

If your credit score is too low, and you are ineligible to receive loans or grants, you might consider filing for bankruptcy. While it may seem like a serious challenge, bankruptcy can help consolidate your debts and start over anew.

Contact Us

To learn more about the benefits of bankruptcy, contact the New Orleans debt negotiation lawyers of the Law Office of David D. Kervin, Jr., LLC by calling 504-599-5906 today.