Seattle Consumer Credit Services

Find the right Consumer Credit attorney in Seattle, WA

Consumer credit is any type of loan given by some lending institution, usually a bank, to individuals for the purchase of consumer goods. Most people living in Seattle, Washington deal with at least one form of consumer credit every day: credit cards. In fact, credit cards are one of the largest sources of consumer debt in the United States.

Why can't I Get Credit in Seattle, Washington?

If you are unable to get credit in Seattle, Washington, it might be because you have a poor credit score. In Seattle, Washington, credit scores are created by private corporations called "credit bureaus." These companies gather 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 people exactly how your credit score is calculated, because the formulas used by these companies are closely-guarded trade secrets.

In the U.S., you have a legal right to view your credit report for free, once per year. This is a good opportunity to perform a financial check-up, and see if there are any errors on your report which need to be corrected. While some third-party companies will give you a free credit report through their website, you should be aware that many of them (without making this clear up-front) will begin charging a monthly fee afterwards, in exchange for continued access. If you just wanted the one free report, you can opt out of this, but you normally have to do so over the phone, and can't do it online.

How Can I Improve My Credit Score in Seattle, Washington?

To improve your credit, there are various things you can do. First of all, you should report any errors you see on your credit report to the credit bureau. These companies sometimes make mistakes, and some of them can seriously damage your credit score. It's also good to show that you can use credit responsibly. For example, someone with no credit history in Seattle might get a credit card, and use it for a few modest purchases each month, and then pay down the entire balance at the end of the month. This is a good way to quickly obtain a good credit score.

Because credit reports are meant to be used by potential lenders to assess somebody's risk as a borrower, showing that you always (or close to it) pay your debts in a timely manner is the best way to improve your credit score, and to keep it high.

How Can a Seattle, Washington Lawyer Help?

A good lawyer who practices consumer bankruptcy or other financial practice areas in Seattle, Washington can be very helpful in resolving consumer debt issues. These issues can be very complex, and an attorney can make it much easier to navigate them.

Talk to a Bankruptcy & Finances Law Attorney now!

Life in Seattle

Known for its high level of annual rainfall, Washington state's largest city has much more to offer that just water. Seattle, Washington houses a population of close to 620,000 and it the 15th largest city in the United States. Located between Pudget Sound and Lake Washington, the city is a major gateway for travelers going to Asia and Alaska.

Seattle, which is the northernmost city with a big population in the United States is located just a couple hours away from the Canadian border. Seattle gets its name from its Indian heritage. Seattle was named after a famous Indian chief from the tribes that inhabited the area for over 4,000 years.

Seattle, which has been the site of the popular reality television show, The Real World has a growing arts and music scene. Originally the home of grunge music made popular by Nirvana, the city of Seattle now has many different music scenes and venues ranging in size to showcase them all. Seattle also has a big sports culture, with the many professional teams including: Seattle Sea Hawks, Seattle Mariners, Seattle Sound, and Seattle Thunderbirds. The city's cool climate makes it ideal for outdoor activities all year round, and the city has many parks and trails to support the physical activities of its residents and visitors.

Education is also important in Seattle with top universities including University of Washington and Seattle University. Seattle has the highest percentage of college and university graduates than any other city in the U.S. The appreciation for higher education is seen in the many professionals that call the seaside city home. Doctors, lawyers, accountants, tech gurus all thrive in Seattle. The academic culture has produced top lawyers to help the growing city with any legal issue he or she encounters.

Seattle also has a growing tech culture...good thing it is also the home of Starbucks to help give a caffeine fuel to all the innovation!

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