A lot of people are confused about their credit scores, according to the nonprofit Consumer Federation of America.

What Effects Your Credit Score

The organization found a lot of people believe untrue things about their credit scores, like:

  • Marital status can affect your credit score (it doesn't).
  • Age can affect your credit score (it doesn't).
  • Co-signers on a loan won't be affected by that loan's payment (they will).
  • Shopping around for a couple of weeks to find the best mortgage rate will hurt your credit score (it won't).


All of these myths and many more plague consumers every day. Many people don't know their credit score or are too afraid to look. Other people think credit does not matter for them because they do not plan to buy a house or car any time soon.

But your credit is important. It can be crucial for making large purchases, renting an apartment, and sometimes even getting a job.

As a bankruptcy lawyer, I meet with people who have a lot of questions about their credit. They are worried bankruptcy will ruin their credit score or hurt their chances of buying a house or car in the future. If you're concerned about your credit score after bankruptcy, you've come to the right place!

Free Credit Repair Program

We offer a free program to all our new bankruptcy clients that helps you rebuild your credit to an A rating of 720 in as little as a year — even after a bankruptcy!

We're here to help, and we take your credit very seriously.

If you're struggling with debts you can't pay, remember: your credit score is not getting any better while you wait. Call us today at 816-842-6200 to speak with an attorney. Or you can email us and schedule your free consultation.

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