Figure out what you need the credit for. Generally, if it's a major purchase, your lender (the car dealership, home mortgage lender, etc.) will help you fill out all the paperwork.
If you just want a credit card, you must shop around on your own. Find a bank offering a low interest rate. The lender will use your application to get a copy of your credit report from the credit bureaus. Your application, along with the credit report, will be used to "score" you.
Creditors use a score card to evaluate your credit worthiness. The following items are listed in order of importance when evaluating your credit request:
Our process is simple, yet effective. Credit Justice Services will receive your credit report with items you would like to dispute.
A paralegal will be assigned to your specific file in order to better assist you in the 75 day credit repair process. Read More...
Our Attorney will negotiate on your behalf with creditors and collection companies. We have a very high success rate helping people just like you save thousands of dollars, avoid costly collection lawsuits, and stay out of bankruptcy. Read more...
You apply for a credit card and are turned down because of a low credit score, yet you know that you’ve always paid your accounts on time.
A debt collector calls to demand payment on a six-month overdue account for a credit card you have never had.
You receive a credit card in the mail that you’ve never applied for.
What’s happening? Read More...
