Columbus Consumer Credit Services

Find the right Consumer Credit attorney in Columbus, IN

Consumer credit is a form of loan extended to ordinary consumers to buy consumer goods. Credit, broadly defined, is the provision of money from one entity to another, where the lender does not expect to be instantly compensated. Instead, the parties agree on payment at a later date, or in periodic installments. Most people living in Columbus, Indiana deal with at least one form of consumer credit every day: credit cards. In fact, credit cards are one of the biggest sources of consumer debt in the United States.

Why can't I Get Credit in Columbus, Indiana?

If you are unable to get credit in Columbus, Indiana, it may be because you have a bad credit score. In Columbus, Indiana, credit reports are prepared by private companies that have access to a great deal of financial information about almost anyone who has a Social Security Number. These companies are called "credit bureaus." They collect relevant information, such as one's credit-to-debt ratio, and past-due payments, and use complex mathematical algorithms to produce a numerical score. Very few people know what these exact formulas are, since they are well-guarded trade secrets.

Under federal law, you are legally entitled to see your credit report for free, once per year, which will let you view what factors are affecting your credit, and report any errors to the company. Many websites have been set up to give you easy access to this information. However, most of them require registration with a credit card, and will start charging you a monthly fee once your free trial period is up, unless you clearly opt out.

How Can I Improve My Credit Score in Columbus, Indiana?

To improve your credit rating, there are countless things you can do. First, you should check your credit report for mistakes and report them to the credit bureau. These companies can make errors like anyone else, and sometimes these errors can damage your score. It will also help to show that you can use credit responsibly. For example, if you have little to no credit history in Columbus, 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 Columbus, Indiana Lawyer Help?

An experienced Columbus, Indiana lawyer specializing in consumer financial issues can help if you believe that your credit rating reflects false information, or if you think a third party has maliciously damaged it.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Columbus

Columbus is located in Indiana's Bartholomew County. Specifically it is 40 miles from Indianapolis and on the east fork on the White River. Columbus is the twentieth largest city in Indiana. It is also ranked eleven on the U.S.'s safest cities to live in.

The largest employer in Columbus is Cummins, Inc. In fact, GQ Magazine included Columbus in its "62 Reasons to Love Your Country" article.

Some popular attractions include the Miller House, Otter Creek Golf Course, First Baptist Church, and the Large Arch sculpture by Henry Moore.

Famous residents include Stevie Brown, Lee H. Hamilton, Jeff Osterhage, Jill Tasker, Herbert Wright, and Bob Paris.

Columbus is also home to many attorneys and law firms that practice in any and every field of law.

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