Dunwoody Consumer Credit Services

Find the right Consumer Credit attorney in Dunwoody, GA

Consumer credit is any form of credit extended to an ordinary consumer. Credit, broadly defined, is the provision of a resource (usually money) from one party to another, where the first party does not expect to be immediately compensated. Instead, the parties arrange for payment to come at a later date, or over time, in installments. Many people in Dunwoody, Georgia deal with 1 form of consumer credit almost every day: credit cards. These little pieces of plastic are one of the largest sources of consumer debt in the United States.

Why can't I Get Credit in Dunwoody, Georgia?

If you can't get credit in Dunwoody, Georgia, it could be because you have a bad credit score, or simply don't have any credit history. Credit scores in Dunwoody, Georgia are compiled by private companies known as "credit bureaus." These companies compile all the available information about a person's finances, and then give them a numerical score, which provides a quick determination of the risk they represent to a lender. The exact formulas that these companies use to generate credit scores are closely-guarded trade secrets.

Under U.S. law, you have a right to see your own credit report once a year, for free (you can, of course, see it more times than that, but you'll likely have to pay a credit bureau. You should be cautious, however. Many websites claim to offer "free" credit reports, but require a credit card number in order to register. If you do not affirmatively cancel your membership (which can usually only be done over the phone, and not online), they will start charging you a monthly fee.

How Can I Improve My Credit Score in Dunwoody, Georgia?

To make your credit rating better, there are a few simple things you can do. First of all, you should check your report for mistakes and report them to the credit bureau to be corrected. Also, it's good to show that you know how to use credit responsibly. For example, a person in Dunwoody with no credit history can rapidly build up a good credit rating by getting a credit card, making a few small purchases with it, and then paying the entire balance at the end of each billing cycle.

Credit reports are a tool for lenders to determine how risky it is to loan money to someone. Therefore, showing that you consistently pay your debts in a timely manner is the best way to maintain a good score.

How Can a Dunwoody, Georgia Lawyer Help?

A good Dunwoody, Georgia attorney knowledgeable in consumer finance issues can help you address the more complicated problems that may arise in this area, such as a credit bureau's refusal to remove an mistake from a credit report, identity theft, or a third party trying to maliciously harm your credit score.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Dunwoody

Dunwoody, Georgia is a city located in the Atlanta Metropolitan Area. It has a population of about 39,000 people.

Dunwoody, Georgia is a highly affluent community, and is ranked as the third-wealthiest city in Georgia. The city was named for Major Charles Dunwody (the extra "o" in the city's name owing to a misspelling on a bank note).

Dunwoody, Georgia has many historic buildings, including a church that has survived mostly unchanged since 1829, which is still in use today. Furthermore, Dunwoody's first public school, which opened in 1911, was in continuous use until the 1980s.

Dunwoody is generally considered a more upscale community, with a per capita income of over ,000, and a median household income of over ,000. This is likely due to the fact that Dunwoody, Georgia is largely populated by upper-middle-class professionals, who work in nearby Atlanta.

Given the sophisticated clientele of Dunwoody, Georgia, it should come as no surprise that there are some pretty skilled lawyers in the Dunwoody, Georgia area. If you have a legal problem, it's pretty much certain that a Dunwoody, Georgia lawyer can handle it.

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