Appleton Consumer Credit Services

Find the right Consumer Credit attorney in Appleton, WI

Consumer credit is any form of loan given by some lending institution, usually a bank, to individuals for the purchase of consumer goods. Most people living in Appleton, Wisconsin 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 Appleton, Wisconsin?

If you are unable to get credit in Appleton, Wisconsin, it may be because you have a bad credit score. In Appleton, Wisconsin, 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 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 countless 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 hard by requiring that you cancel your membership by phone, rather than letting you do it online.

How Can I Improve My Credit Score in Appleton, Wisconsin?

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's also good to show that you can use credit responsibly. For example, someone with no credit history in Appleton may get a credit card, and use it for a few modest purchases every month, and then pay down the whole balance at the end of the month. This is a good way to quickly obtain a good credit score.

Because credit reports are usually meant to make it easier for possible lenders to assess your risk as a borrower, showing that you pay back your debts in a timely manner can go a long way in creating a good credit score.

How Can a Appleton, Wisconsin Lawyer Help?

A good Appleton, Wisconsin 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 Appleton

Appleton is located in both Calumet and Winnebago Counties of Wisconsin. Surrounding waters include the Fox River and Green Bay. Per the 2010 census, it has a population of 78.086 people.

Some popular attractions include the Appleton Art Center, the Gardens of the Fox Cities, Goodland Field, The History Museum at the Castle, John Hart Whorton House, Temple Zion, Time Warner Cable Field at Fox Cities Stadium and the Fox Cities Performing Arts Center.

Top employers include the school district, Miller Electric, St. Elizabeth Hospital, Outagamie County, West Business Services, Valley Packaging Industries and Voith.

Although the legal industry is not included in the top employers list, Appleton is home to many small law offices that provide legal services in practically all areas of practice. Thus, residents do not have to travel far to have their legal needs tended to.

Famous residents include Myrt Basing, Rocky Bleier, Brian Butch, Willem Dafoe, J.P. Hayes, Erik Jensen, Ron Kostelnik, and Terry Zwigoff.

Clients Rate LegalMatch Attorneys
(click to read reviews)

Ian M.
Ian M.

Bankruptcy, Banking & Credit

Richboro, PA

Eddy H.
Eddy H.

Bankruptcy, Banking & Credit

San Mateo, CA

Howard B.
Howard B.

Bankruptcy, Banking & Credit

Rye Brook, NY