Rome Consumer Credit Services

Find the right Consumer Credit attorney in Rome, GA

Consumer credit is any form of credit extended to an ordinary consumer. Credit, broadly defined, is the provision of a resource (typically 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 Rome, Georgia deal with 1 form of consumer credit almost every day: credit cards. These tiny pieces of plastic are one of the largest sources of consumer debt in the United States.

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

If you can't get credit in Rome, Georgia, it could be because you have a bad credit score, or simply don't have any credit history. In Rome, Georgia, credit scores are created by private corporations called "credit bureaus." These companies collect all the available financial information on a person (such as the amount of credit currently available to them, and its ratio to their debt) and use it to calculate a simple numerical score. This number gives would-be lenders an easy way to assess a person's risk as a borrower. It is not known to many individuals exactly how your credit score is calculated, because the formulas used by these companies are closely-guarded trade secrets.

Under U.S. law, you are legally entitled to one free credit report per year. This allows you to perform a simple financial check-up, to see what's affecting your credit, and to report any incorrect information contained in your report. There are various websites that provide easy access to this information, but most of them require registration with a credit card. Once you view your free report, they will begin charging you a monthly fee unless you opt out. Some of them make this challenging by requiring that you cancel your membership by phone, rather than letting you do it online.

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

To improve your credit score, you can do a few fairly simple things. First, you should check your credit report for mistakes, and report them to the credit bureau so they can be corrected. It will also help to show that you can use credit responsibly. For example, if you have little to no credit history in Rome, and want to rapidly build a good credit score, you can get a credit card, and make a few very small purchases with it every month. Make sure you don't run up a balance that you can't immediately pay off in full, and at the end of each month, pay the whole balance.

Credit reports are meant to be a tool for lenders to easily determine a person's risk as a borrower. Therefore, showing that you are able to pay back your debts on time can be extremely effective in creating a good credit score.

How Can a Rome, Georgia Lawyer Help?

A good attorney in Rome, Georgia can be very useful in helping you resolve any consumer credit issue, such as bankruptcy, or getting mistakes removed from your report if the credit bureau is being difficult.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Rome

Rome is a city in Floyd County, Georgia. It is the largest city in, and county seat of, Floyd County. As of the 2000 United States Census, Rome, Georgia has a population of about 34,000 people.

Rome was inhabited by humans for thousands of years before the arrival of European colonists. Europeans first explored the area in the mid-1500s, when Spanish explorers first charted the Southeastern U.S.

The modern city of Rome, Georgia was founded in 1834. The founders of the new city determined its name by drawing lots from names submitted by the other founders. In 1835, the Georgia legislature incorporated Rome as a city. During the Civil War, Rome's industrial capacity made it strategically important, and both sides fought fiercely to control it.

Modernly, Rome is a thriving small city, owing to its diverse economy. It is supported by the manufacturing, high technology, tourism, and healthcare. Rome is also home to Shorter University, a private liberal arts college which consistently brings in new, young residents with disposable income, further boosting the economy.

If you live in Rome, Georgia, and need a competent, experienced attorney to handle any legal issues you might be facing, you're in luck. There are many Rome, Georgia lawyers to choose from, and you should be able to find one who's right for you.

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