Credit Repair Attorney

Parents often tell their 18 year old sons and daughters either to not get a credit card, or to be sure and manage it well if they do get one. However, as you probably know, teenagers usually don’t listen and they expect to handle their business just fine without their parents’ advice. After all, they’ve […]

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Credit repair in Houston, Texas is very important if you want to buy a home, a new car, or even obtain a credit card. People with bad credit scores are generally unable to obtain these societal luxuries because creditors simply don’t trust them. If you don’t have a good credit score, your existence and […]

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Have you been trying to obtain a line of credit without any luck? The problem could very likely be your credit score. If you have been attempting to buy something on the internet but have been turned down for lines of credit (such as store credit cards), the websites you have attempted to apply for […]

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Credit defense lawyers are becoming more popular as Americans fall quickly into debt. Most Americans have a huge debt to their name and their net worth is extremely low. Add to this the lagging economy and you have a recipe for an America that is plagued with bad credit. Unfortunately, anyone who has bad credit […]

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When dealing with credit bureaus for the purpose of improving your credit score, it is important to follow a specific plan and maintain accurate records of all correspondence. Credit bureaus receive so much mail from concerned citizens that they sometimes misplace mail that is sent to them regarding credit report disputes. We have experienced this […]

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A good credit score is required to obtain credit with acceptable interest rates. There are businesses that do provide credit cards, home loans, car loans, and more to people who don’t have good credit, but the interest rates you will have to pay to obtain this type of “bad credit” credit will be much higher […]

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Your credit report can be a scary thing to try to figure out.  The numbers and dates can all begin to run together and make no sense whatsoever.  Having the help of a professional that is trained to be able to understand these numbers and what they mean to your credit score is important.  Many […]

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Repairing your credit report can take a lot of time and frustration, especially if you’ve never been exposed to the process and are unsure of where to begin. Credit repair attorneys like those at Smith & Garg in Houston, Texas understand the troubles you’re facing and they know how to fix them. Many people choose […]

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One of the first steps in credit repair is understanding debt. Not all debt is bad. Debt comes in two forms—good and bad. Good debts are long term items such as student loans, cars, and homes that typically come with decent interest rates and can help provide a better future. Bad debt is things like […]

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A credit score is sometimes called FICO. FICO is an abbreviation for Fair, Isaac and Company. In the 1950’s they started the concept of attaching a numerical value to a person’s credit rating. There are three credit reporting companies—Experian, Equifax, and TransUnion—they all maintain information on your credit history and calculate a credit score. […]

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