ARAG Legal Insurance - Badge
Avvo Rating - Badge
Lawyers.com - Badge
Google Rating - Badge
Better Business Bureau - Badge

Try These 5 Things To Improve Your Credit Score

Liviakis Law Firm Team

There are a few reasons why your credit score may be low. First, you may not have established credit yet. Credit scores are based heavily on your credit history, e.g. loans you have taken, expensive items you have purchased, etc. If you have little or no credit, it will be difficult to have much of a credit score. However, having too much credit can also be bad. If you have high debt balances, have borrowed more than you can afford, or have missed credit payments; chances are your credit score has taken a hit. However, there are a few simple steps you can take to improve your credit.

First, obtain copies of your credit report from all three bureaus. The reason for this is that each of the credit reporting bureaus have unique formulas for calculating credit scores. Therefore, your score may be higher or lower with one bureau depending on the information reported.

Second, review your credit reports from each bureau carefully. There could be discrepancies in what is reported between the bureaus. If you only obtain the report from one bureau, you may be missing information reported to one bureau and not all of them. If you find any errors or misreported information, dispute it in writing to the credit bureau right away.

Third, develop a plan for disputing errors or misreported information on your credit report. Do you have impended lawsuits from a creditor? Have you been contacted by creditors about missed payments and owed debts? Are you concerned about wage garnishment or repossession of assets? If you answered “yes” to any of these three questions: stop and contact a Sacramento bankruptcy attorney right away.

An experienced bankruptcy attorney can halt your credit collections, and stop further damage to your credit report while you work out a plan with the court to resolve your debts.

Our Office

Former Office
1215 K St

Sacramento, CA 95814

Phone: 916 459 2364
New Office
2377 Gold Meadow Way
#100

Gold River, CA 95670

Phone: 916 459 2364

Client Reviews

Mr. Liviakis is extremely knowledgeable and answered all of the questions that we had about our situation. He made a really difficult time manageable with his help and expertise. I would definitely recommend...

Lindsey Joyner

Mik is a great attorney. Very friendly & professional. Price is was bit high compared to other firms. Probably the highest I've seen. If price your thing, checkout other firms. Other than that, Mik will get the...

Oi Vinn

Mik helped us save our home and settle with creditors during the pandemic after we were forced to close our family business for over a year. I am forever grateful. He was kind and professional and followed up...

Jina and Steven Hale

Mr. Liviakis was timely and professional. He patiently answered questions and explained the process. He provided handouts that clearly outlined due dates. The firm's paralegal was very easy to work with. I...

Wes Pohl

I nothing but great Experiences, and great service.

Tony Boone

Positive: Professionalism, Quality, Responsiveness, Value

Linda Todd

Contact Us

Fill out the contact form or call us at (916) 459-2364 to schedule your free consultation.
  • Language.png Free Consultation
  • Phone.png Phone Appointments Available
  • Gavel.png Talk to Award Winning Attorney Today

Leave Us a Message