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Why It’s So Important To Protect Your Credit

Solid credit opens the door to many financial opportunities, and it’s the foundation for a stable financial picture. Many people don’t pay attention to their credit until a problem arises. By that time, it can be a major headache to sort out what’s going on and how to fix it.

A proactive approach to protecting your credit will allow you to catch errors and issues early on, when they are easier to address. It will also give you more insight into your credit and empower you to make wise financial decisions.

Your Credit Allies

At Madgett Law, a Minneapolis-based public benefit corporation, our lawyers can help you take control of your credit. We provide tailored strategies for building and maintaining healthy credit. We also help people dispute errors on their credit reports and hold the credit bureaus accountable.

With many decades of experience, our attorneys have built their practice around serving as allies for people across Minnesota facing credit concerns.

Tips For Protecting Your Credit

Here are some ways to safeguard your credit:

  • Review your credit reports and check your credit score on a yearly basis, at least. You’re entitled to free copies of your credit report from all three bureaus every 12 months.
  • Know your rights when it comes to fair credit reporting and debt collection. Talk to our lawyers if you think your rights have been violated.
  • Take steps to dispute errors or inaccuracies in your credit report, especially if there are signs of identity fraud.
  • Consider signing up for a credit monitoring service, especially if you’re at risk for fraud or identity theft.
  • Be wary of credit repair services. There are many scams and unscrupulous credit repair companies out there.

If you’re a military service member, you can take additional steps to protect your finances while you’re on active duty.

What If You Find Fraud?

Identity theft is a major problem in our digital world. If you find signs that you may be a victim of fraud or identity theft, act swiftly to report it and freeze your credit. The Federal Trade Commission has a quick and easy online form that you can use.

Start Taking Control Of Your Credit

We can review your financial situation and provide concrete guidance to empower you on your credit journey. To get started with a free consultation, please reach out online or call 612-470-6529.