Whether you are picking up the pieces after a bankruptcy or trying to increase your chances of getting a good interest rate on a loan, being proactive in improving and maintaining a good credit rating is essential these days.

The problem is, most people do not know what a FICO credit score is, how it is calculated, what goes into it, or what a credit history is. For that reason, I wrote a series of articles to educate people on these concepts.

Educate Yourself About Credit

Check out these articles if you have ever wondered:

In all of this, it is important to realize that you do not have one credit history; you have three. They are maintained by Experian, Equifax, and Transunion, and can contain very different information. Because of this, there is a separate FICO credit score for each one of them.

Any effort on your part to build a good credit rating should involve a review of all three reports. You are entitled to a free copy of each once every 12 months, so you should check it yearly and make sure it is accurate.

What Can I Do?

If you live here in southern New Jersey and would like to consult with me on how to deal with your credit, please feel free to call me at 856-432-4113 or contact me through this site to schedule a consultation in my Woodbury office to discuss your case.

If your credit is being weighed down with debt you can't seem to get rid of, you might want to consider filing a bankruptcy. For more information on deciding whether bankruptcy is right for you, then download my free book, Am I In Too Deep? A Guide to Knowing When You Need to File Bankruptcy in New Jersey for more information.

Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.