Skip to main content
(404) 685-8800 Contact Us
Common habits that can hurt your credit score, part one Atlanta, GA

Personal Attention & Experience Since 1971 Family-Owned, Family Focused

Client Reviews

Common habits that can hurt your credit score, part one

lawyer in a lawyers library

Most of our Atlanta blog readers know how to protect and keep their credit scores high: pay credit card and loan bills on time, don’t take out a lot of unnecessary credit and basically just act responsibly in all matters that are money-related.

Also, it is common knowledge that filing for bankruptcy or going through the foreclosure process can hurt your credit score. But did you know that there are several common habits, ranging from racking up library late fees and parking tickets to not filling out a moving form, that can significantly damage your credit score?

It is hard to imagine that a minimal fee for failing to return a library book on time can damage your credit score. However, as libraries have faced massive budget cuts, they have been forced to take extreme measures to make ends meet. One such measure is sending library patrons to collection agencies for their failure to pay late fees.

Similarly, parking and speeding tickets are considered debts to the city and county governments, and as such, unpaid fees are likely to be sent to collection agencies. This can be extremely damaging to your credit score.

Although many of us now do our banking and bill-paying online, it is important to continue to receive all financial-related mail so that you don’t miss any bills or financial notices that may be sent via mail. Therefore, it is essential that you always change your address when you move to ensure that you receive and can take action on any important mail.

We will examine a few additional credit-damaging habits in a second blog post later this week.

Source: U.S. News & World Report, “7 weird ways to hurt your credit score,” Jim Wang, June 11, 2012

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

First Free
Appointment



Disclaimer Privacy Policy

I have read the Disclaimer and Privacy Policy

Our Client Reviews

Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

Write a review