At Hays Cauley, P.C., we know you are more than just a credit score. We are here to help you overcome problems related to credit reporting, identity theft, and debt.
Us Americans, we are too often defined by corporations — including credit reporting agencies and financial institutions. Three major credit reporting agencies determine your credit score, and that number can have a huge impact whether you can get a job, a loan, a place to live and even security clearance in certain occupations. Credit card debt can lead to harassing phone calls, lawsuits and other problems.
To make matters worse, credit reports are often full of inaccurate and fraudulent information, and lenders (and the debt collectors who represent them) regularly engage in debt collection practices that are illegal. If you are facing problems with harassment, credit reporting errors or lawsuits related to your debt, it is all too easy to lose hope.
The good news is: You have more power than you realize, and you don’t have to fight these battles alone.
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Credit reports play a pivotal role in modern financial transactions, influencing everything from loan approvals to employment opportunities. When credit reporting errors occur, individuals in South Carolina often feel uncertain
Maintaining a clean credit record is essential for securing loans, obtaining favorable interest rates, and even seeking employment opportunities. In South Carolina, the Fair Credit Reporting Act (FCRA) sets standards
