If you’re an Arizona consumer with a bad or even fair credit score, here are a few reasons to work toward getting a good credit score.

For Arizona consumers with low credit scores, there are several good reasons to engage in active credit repair and get those scores back on track. The truth is that having a good credit score isn’t just about the prestige. Consumers in Arizona with good or excellent credit ratings enjoy plenty of perks that make life easier and more affordable. In fact, individuals in the Grand Canyon State with poor credit scores pay more than they should for certain things. They also miss out on job and rental opportunities. So, don’t deal with unnecessary disadvantages. Create a credit repair plan right now, and enjoy all of the perks and benefits that come with having a good credit score in Arizona.

Five Important Advantages that Come with Having a Good Credit Score in Arizona

Recent studies reveal that Arizona consumers with high credit scores even have advantages when it comes to dating. In fact, most survey respondents revealed that, when it comes to potential partners, a good credit score is more appealing than a nice car. Yet, even if you’re not involved in the dating world, having good credit comes with advantages. Here are a few of the most important perks associated with high credit scores.

Better Interest Rates on Loans and Credit Cards

It’s sad that Arizona consumers with poor credit scores end up paying more for loans and credit cards. After all, for most consumers, credit repair requires budgeting and saving. This is why so many individuals in Arizona with bad credit get stuck in this rut. They need extra money to get current with bills and pay off high credit card balances. However, this additional cash is harder to come by when you’re paying heavy interest charges. Luckily, though, improved credit scores bring lower interest rates and reduced interest charges.

Opportunities to Get Rewards Credit Cards

Speaking of credit cards, having a good credit score not only qualifies you for lower interest rates, but better credit cards in general. In fact, for Arizona consumers with the best credit scores, there are top-tier rewards cards that allow users to earn points they can redeem for air miles and cash back.

Cheaper Car Insurance Premiums

Here’s another sad fact about having bad credit in Arizona: You may end up paying as much as 226% more for your car insurance coverage. Why? Statistics show that drivers with bad credit file more insurance claims than their good credit counterparts. Therefore, auto insurance companies in most states consider low credit scores as risk factors when calculating premiums.

More Rental Opportunities

Most landlords in Arizona run credit checks on leasing applicants. So, if you have a low credit score, you may get turned down by a property manager. Fortunately, once you repair your credit, you earn more rental options. Then, you won’t have to worry about missing out on your dream apartment, house, or condo.

Better Employment Opportunities

Not all employers in Arizona run credit checks on potential employees, but many do. This happens most frequently with government jobs and in the financial industry. Sadly, when it comes to certain positions, you could have every qualification and all of the right experience, and still get turned down because of your bad credit score. Yet, again, if you improve your credit rating, you can ensure that you have access to the best jobs in your chosen field.

Why Arizona Consumers Working to Earn a Good Credit Score Should Regularly Check their Credit Reports

If you’re working to build a good credit score in Arizona, you should get into the habit of checking your credit reports on a regular basis. Unfortunately, creditors and the credit bureaus make mistakes, and their mistakes turn into credit report errors that can damage your credit score.

Fortunately, the Fair Credit Reporting Act (FCRA) entitles all Arizona consumers to accurate credit reports. Under this federal statute, you may challenge and demand the removal of any credit report errors that you find, but you have to find them first. So, take advantage of the rights provided to you by the Fair and Accurate Credit Transactions Act (FACTA), and claim your free annual credit reports. Every 12 months, you can go to www.annualcreditreport.com, and request a free copy of your credit report from TransUnion, Equifax, and Experian (the three major credit bureaus).

Then, while reviewing your credit reports, if you find credit score damaging mistakes and errors, contact Credit Repair Lawyers of America in Arizona. When you call the credit pros at our firm, we’ll handle the entire dispute process for you, so you don’t have to deal with the credit bureaus on your own. Then, we’ll connect you with an experienced credit attorney who will do whatever it takes to get you clean credit reports – for free.

How to Get Better Credit Legally and for Free in Arizona

Don’t let errors on your credit reports bring your credit score down. At Credit Repair Lawyers of America, we’ve been cleaning up credit reports for consumers since 2008 for free. How do we do it? All of our fees come from the defendants in settled cases. This is why our clients pay nothing for the work we do.

Let’s start the conversation about what we can do for your credit. Set up your free consultation today by calling Attorney Gary Nitzkin at (480) 771-6001 or contact us on our contact page.

For more information about Free Credit Repair, please visit https://creditrepairlawyersam.com/arizona/credit-repair/.