Increasing Your Credit Score North Carolina Law Firm: Fairview Law
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Increasing Your Credit Score


Fairview Law is a Charlotte, North Carolina law firm. Our North Carolina attorneys advocate for you against the credit bureaus and may be able to increase your credit score. We work with both business owners and individuals to fix their credit using their rights under the Fair Credit Reporting Act.


It is illegal for credit reporting agencies and credit information furnishers to report information that is inaccurate or misleading. By getting inaccurate and misleading information removed from your credit report, your credit score will probably increase.


Although the credit reporting agencies keep their scoring formulas secret, there is no question that having negative accounts removed is likely to increase your credit score and fix your credit.


Many people are not aware that there is not just a single “credit score.” Rather, there is a separate credit score you have from each of the three credit bureaus, Equifax, Experian, and TransUnion. Additionally, another company called FICO issues separate credit scores based on information from the credit bureaus, but it is not published by those bureaus themselves.


Typically, credit scores go between 300 and 850, with above 700 being considered good enough to get loans at the best interest rates. With inaccurate credit reports, your credit score is lower, and thus the cost of credit is much higher.


Some disreputable “credit repair” companies say that they can get accounts removed by inundating the credit bureaus with disputes. This simply doesn’t work, and, in fact, can make it difficult to get your credit fixed later. The best and only way to repair your credit and increase your credit score is to submit legitimate, documented disputes that are compliant with the Fair Credit Reporting Act – this is how Fairview Law repairs clients’ credit.