How can I get an expungement?

You must ask the court in the county where your case took place. Not all counties have the same rules. Call the criminal court clerk or the district attorney’s office in that county. Ask how to get records erased. A clerk may be able to explain it if you go in person. Most of the…

What is an expungement?

An expungement is erasing or removing a charge or conviction from your criminal record. If you have a charge or conviction erased, it is like it never happened. The charge or conviction that was erased will not show up on a public background check.

Are student loans treated differently?

Yes, in some important ways. Generally, student loans CANNOT be discharged in bankruptcy, unlike most other forms of credit, with some exceptions in disability. Therefore, you should be particularly careful when taking out student loans, whether they are from the federal government or from private banks. If your student loans are federally provided, various payment…

How can I protect myself from Identity Theft?

Protect your personal information, like your credit card and Social Security number, as much as possible. Shred documents before you throw them out, only give out your Social Security number when you must, and use strong passwords online. Also, regularly look your credit report. Check it for any accounts you did not open. You can…

How can I see my credit report?

To find out more information about your credit rating and obtain a free credit report you can visit www.annualcreditreport.com to receive your credit report from the three major agencies: Experian, Transunion, and Equifax.  This website allows you to receive one free credit report from each of these three agencies every twelve months.