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Las Vegas Bankruptcy Attorney John Ryan recommends consumers suffering with significant debt check their credit report at least three times a year. Whether or not you have bad credit, Chapter 7 Lawyer Ryan recommends individuals pull their credit report regularly to minimize the risk of identity theft. Individuals can obtain copies of their credit report here at annualcreditreport.com. Attorney Ryan is one of several affordable bankruptcy attorneys serving Las Vegas/Henderson, Nevada area.
Getting a copy of your credit report may mean the difference between whether your home or car loan is approved or rejected or, increasingly, whether or no you get a job. Many people these days do not check their credit report before trying to get a home loan or incur additional debt and that can end up costing them in the form of higher interest rates.
An excellent credit report is a credit score that is between 700 and 800 . The average consumer has a score of 650 and lower. These low credit scores are what keep many people from getting approved for obtaining credit cards, mortgage loans and car loans. If you are planning to buy your own home one day, this can be a real challenge. Smart consumers will pull a copy of their credit report before they even thing about getting a loan of any kind so that they can correct mistakes that are often present or to find opportunities to pay off some of the debts that are listed. Doing this before you apply for a loan can change the outcome of the application or the interest that you pay.
If you are interested in getting a copy of your credit report you can go to annualcreditreport.com for one free credit report from each of the three credit reporting agencies a year, Equifax, Experien and TransUnion, or any other website that will let your get you credit report. You can get a copy of your credit report from thousands of different online resources or you can get one directly from the government instead. While some websites may offer free credit reports, many times the information provided by these sites may be outdated, inaccurate or includes inaccurate data. Anthem Legal suggests law firm clients pull their credit report for clients considering chapter 7 or chapter 13 bankruptcy in order to ensure all of the clients creditors are included on the bankruptcy petition
In order to ensure that your credit remains both accurate and good, consumers should check their credit regularly and particularly if you are planning a large purchase. The best defense against declaring bankruptcy is to keep your credit in good standing in the first place. Having a copy of your credit report is the best place to start because you can correct any errors and know exactly where you stand and then fix it.
Increasingly, employers are also reviewing job applicant’s credit scores before extending a job offer. In fact, the Law Office of John Ryan in Henderson, Nevada also points out that many hotel casino employers in Southern Nevada require good credit of applicants for casino gaming/cash-handling positions.
Aside from affecting the interest rates that you may obtain on a home or car loan or whether you are offered an employment opportunity, Henderson Chapter 7 Bankruptcy Attorney John Ryan also points out that, because of the risk of identity theft, it is also a good idea to monitor your personal credit report regularly. While most credit reporting agencies provide some sort of credit monitoring these often include a monthly fee. Instead, Bankruptcy Lawyer John Ryan recommends that Henderson residents in MacDonald Ranch and Seven Hills obtain their free annual credit report three times a year, alternating credit bureuas each time, to review their credit profile at no cost.
By pulling your credit report regularly you have an opportunity to notice and correct inaccuracies while also noticing any suspicious activity. Chapter 7 Chapter 13 bankruptcy and the Law Office of John Ryan urge consumers to call the credit reporting agencies and to file a police report at their local police station should unauthorized activity be found.
Consumers should be aware that Las Vegas Bankruptcy Attorney fees vary, so Attorney Ryan recommends individuals find an Las Vegas bankruptcy attorneys free consultation. As a reminder, Attorney Ryan recommends interviewing several bankruptcy law firm Las Vegas and checking bankruptcy attorney Las Vegas reviews before deciding which attorney to use. Attorney Ryan can be reached at 702-800-9999 Bankruptcy Lawyer Las Vegas NV.