Can a lawyer help contest against a delinquency mark caused by an utility company on my credit report?

No. It does not sound as if the creditor is reporting inaccurately.

Can I file bankruptcy even if I am potentially receiving a personal injury settlement?

Your personal injury settlement is an asset. If you fail to disclose it, you could be prosecuted criminally under the bankruptcy code. You are...

If I have won a judgment against a debt buyer does the original creditor have to remove the account from my credit report?

I would dispute the item with the credit bureaus directly. Include a copy of the judgment. I also recommend you reach out to an attorney with...

I'm concerned about the integrity of a credit service promising to fix credit fast for monthly payments to them.

Promises of a “quick fix” sound suspect.

I would dispute directly with the credit bureaus. If the credit bureaus continue to report after they have investigated your dispute, contact an...

Why doesn't the credit union report my credit record?

The credit union is not required to report.

Purchased a car. Credit company denied

You have not given enough facts for me to answer you definitively. I would need to see the documentation you have. It seems to me that the car...

Can this help my credit?

If you were to pay the full amount, your credit should be marked “paid/closed.” This is ideal. If you pay the settlement amount, your credit should...

Do I need to file for bankruptcy?

If you’re willing to involve the police, you can file a police report and notify your creditors that your mother stole your identity. Also, see...

Advice on what to do after dramatic drop in Credit Score

If you won’t be applying for any credit in the next few years, this probably doesn’t matter. Going forward, make payments on time. This will help...