DUI Lawyer Chula Vista, San Diego DUI Attorney

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If you are arrested for a DUI in San Diego you should always call a DUI attorney immediately. With the help of a DUI attorney you can maximize your chances to reducing the severity of the charge against you. If there has been an accident where another party is involved, you should definitely seek the help of an attorney.

DUI stands for Driving Under the Influence and relates directly with the intoxication level of the driver. An intoxication level refers to the blood alcohol concentration (BAC) and is measured in percentages. When driving with a blood alcohol over the legal limit of .08% you will get arrested.

DUI charges may have penalties such as:

– Probation
– Suspension of drivers License
– Community service
– Thousands of dollars in fees
– Jail time

Choosing the right DUI attorney in San Diego can be difficult. Talk with the DUI attorney first to get a feel before deciding. A good way get some of your questions answered without going through the hassle and time is to ask your DUI questions directly online.Driving under the influence (DUI) is the most common criminal charge issued in the state of California. Penalties range from a suspended driver’s license, fines, alcohol education programs, and ignition interlock devices to jail time. If you are convicted of a California DUI, the conviction will remain on your driving record for ten years. This often results in denied credit and high insurance premiums.

In California, when you are arrested for a DUI/DWI, two separate cases arise. The first is the court case and the second is a California Department of Motor Vehicle (DMV) case. The DMV case is separate from the court case and a separate hearing is held at the DMV. When you have been arrested for a California DUI and have a blood alcohol level of .08% or higher or refuse to be tested, your driver’s license is immediately confiscated by the arresting officer The arresting officer will give you a pink sheet that serves as formal notice of potential license suspension. It provides you with only temporary driving privileges and it is important that you request a DMV hearing within ten days after the arrest. Otherwise, suspension of your driving privileges will occur automatically within 30 days. This hearing addresses only your driving privilege and not whether or not you are guilty of a California DUI/DWI.

Self Help Credit Repair: Removing Inquiries - Deleting an Inquiry

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How Credit Inquiries Affect Your Credit Score

 

Your credit score is one of the most important numbers in your life. It’s a reflection of your creditworthiness and is based solely on information that’s in your credit report. Your credit score is calculated using five different criteria: your payment history, level of debt, credit age, mix of credit, and credit inquiries.

 

Hard vs. Soft Inquiries

 

Credit inquiries are placed on your credit report whenever a business pulls your credit report. Sometimes this happens when you make an application. These are known as “hard” inquiries. Other times it happens when a business wants to promote products or services to you. These are called “soft” inquiries. Your own requests for your credit report are also soft inquiries.

 

Soft inquiries don’t affect your credit score. However, those hard inquiries made when you put in applications do affect your credit score. Credit scoring researchers have found that borrowers who have a lot of credit inquiries within a short period of time are more likely to default on their accounts.

 

How Much Will an Inquiry Affect Your Score

 

Just how much your credit will be affected by credit inquiries depends on your current credit score and the other information in your credit report. Generally, you can expect inquiries to only have a small impact on your credit score since they only accounts for 10% of your credit score. According to FICO, developers of the FICO score, an additional credit inquiry will likely take a maximum of five points from your credit score. You’ll receive greater damage to your credit score if you only have a few accounts on your credit report or if your credit history is short.

 

Credit Inquiries and Rate Shopping

 

Some credit scoring calculations won’t penalize you for rate shopping, as long as you do your shopping within a certain period of time, typically 30 days. (Note: some credit scoring models have a 14-day window while others have a 45-day window.) All inquiries made within that 30-day window will be treated as a single inquiry and your credit score won’t be affected during that time. After you’re done rate shopping, those multiple inquiries will be treated as a single inquiry rather than several separate ones.

 

Credit Inquiry Time Limits

 

Fortunately, credit inquiries only remain on your credit report for 24 months. Even better, only those inquiries made within the past 12 months are included in your credit score. As inquiries pass that one year mark, they no longer affect your credit score.

 

Juan J. Medina is a credit expert from http://www.attractivecredit.com and http://www.attractivecreditsecrets.com and has been providing credit repair services for over 10 years. Watch this video: http://www.youtube.com/watch?v=TyD9sxogLDw

Self Help Credit Repair - Improve Credit Scores by Removing Items From Credit Report

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10 Things You Must Know About Credit

 

Too many people use credit without fully knowing how. If you want to get and keep a good credit score, there are some things you have to know about credit.

 

1. Credit is a loan. Using credit is the same thing as borrowing money from a friend. The main difference is that you have to pay back interest on credit whereas most friends won’t make you pay a fee for credit.

 

2. Good credit matters for more than just credit cards. More and more businesses are starting to use your credit standing to make decisions about doing business with you. This includes banks, employers, landlords, utility companies, and even insurance companies.

 

3. Your credit history is tracked. Information about whether you pay your bills on time and whether you pay them at all is collected in your credit report. At least seven years worth of credit history is in your credit report waiting for businesses to see how you’ve been acting with the credit you’ve been given.

 

4. Negative credit information follows you. If you make a late credit card payment or have a collection account, it remains on your credit report for seven years from the date of the delinquency. Only after that seven years has passed will that late payment fall off your credit report.

 

5. Your credit score is based on your credit report. A credit score is a numeric snapshot of your credit history at a point in time. It shows where your credit stands at that moment. Higher credit scores are better.

 

6. Your credit report could be wrong. Mistakes happen and sometimes errors appear on credit reports. Fortunately, federal law gives you the right to have this information removed when it can’t be verified. Simply submit a credit report dispute to the credit bureaus.

 

7. Five key things impact your credit score. These things are: your payment history, your level of debt, your credit age, your mix of credit, and the number of recent credit applications. Payment history has the most significant impact on your credit score and level of debt has the next biggest influence on your score.

 

8. Unpaid credit accounts end up in debt collections. After you miss a certain number of credit card payments, usually six, your account will likely be passed on to a third party debt collector who will try harder to get you to pay the unpaid bill.

 

9. If you take on too much credit, you can hurt your credit score and end up in debt. You should only take on as much credit as you can comfortably afford to repay. Taking on more than that puts you at risk of having too much credit.

 

10.  First credit cards may be hard to get, but once you get one, the others come easily. Be careful not to open too many credit cards since you may be tempted to charge more than you can afford.

 

 

 

Credit Repair Information

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Five Steps to Building a Good Credit History

 

Good credit is important in so many aspects of your life. Though you can get by without having a good credit history, it will be an unnecessary hassle. Work on building a good credit history so that you have good credit when you need it.

 

Get credit. To build a good credit history, the first thing you need to do it get credit. Your credit score, the numeric snapshot of your credit history, can’t be calculated if you don’t have at least one account that’s at least six months old. So, get a credit card or a loan to help you start building a credit history.

 

Use credit. Just having credit isn’t enough to build a good credit history. You actually have to use credit (responsibly) to show start creating a positive credit history. When you use credit, especially credit cards, you should never charge more than you can afford to pay back. Credit isn’t a substitute for cash and shouldn’t be used as one.

 

Pay your bills on time. Once you get a credit account, it’s important that you pay it on time. The most important part of your credit history is how well you’ve paid your bills. So, make sure you pay your credit card and loan bills on time every month.

 

Building a good credit history isn’t just about paying credit card and loans, it requires you to pay all your bills on time. If you fall behind on other bills, like utility or cell phone bills, it could end up on your credit report as a debt collection. These collection accounts hurt your progress with building a good credit history.

 

Keep your balances low. The second most important part of a good credit history is the amount of debt you have. Your credit history is better when you only use a portion of the credit available to you. So, when you make purchases on your credit card, only use about 10% to 30% of your credit limit. Paying down loan balances quickly also helps build your credit score since it shows that you’re reducing the amount of money you owe.

 

Hold back on new applications. Avoid taking on too much credit at once. The more credit applications you make, the harder your credit score gets hit. That’s because recent applications for credit account for 10% of your credit score. You should also limit your credit and loan applications to avoid taking on more debt than you can afford. Starting out with just one or two credit cards or loans is ideal.

 

A good credit history takes time to build. You can’t rush a good credit score. Instead, you have to take it one step at a time making the best credit decisions along the way.

 

Do It Yourself Credit Repair - How To Improve Credit Scores

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Rebuilding Credit Isn’t So Easy

 

A crucial part of credit repair is rebuilding your credit history. Rebuilding your credit involves adding positive payment history to your credit report. The more positive payment history you have, the better your credit will be. But, when you’re rebuilding credit, there are some things you have to watch out for.

 

Watchout For Store Credit Cards

 

Store credit cards are often the easiest types of credit cards to get, especially when you have a tarnished credit history. When the store clerk offers to sign you up for their credit card, your mind quickly thinks to the positive impact the credit card will have on your credit score, but that might not be the case. Store credit cards often have low credit limits, so low that you only have a little available credit left after making your purchase. When your credit card balances are high relative to your credit limit, you have a high credit utilization. Credit utilization is 30% of your credit score and your credit limit takes a hit.

 

Not only does the high balance have a negative effect on your credit score, so does the new credit card. Credit inquiries are placed on your credit report each time you make a credit card application. These inquiries count 10% of your credit score. The more inquiries, the more your credit score will be hurt. The new card will also lower your average credit age which is 15% of your credit score.

 

FICO, the company who calculates the widely-used FICO score, doesn’t place much emphasis on store credit cards because the cards area associated with future default. So, the store credit card you just opened won’t do much good in the way of rebuilding your credit history.

 

The Best Credit Card for Rebuilding Credit

 

If you want to start rebuilding your credit, the best option is to get a major credit card from an issuer like VISA, MasterCard, Discover, or American Express. These credit cars are given more weight in the FICO scoring calculation and will go a lot further in helping you rebuild your credit score than store cards.

 

Major credit cards can be difficult to get, especially when you have a bad credit history following you around. You have a couple of options for getting one of these credit cards on your side. First, you might get a friend or family member to add you as an authorized user on one of their credit cards. This account history would get included on your credit report and aid in rebuilding your credit. The second option is to get a secured credit card. Though secured credit cards require a deposit to be made to secure the credit limit, you can often covert to an unsecured credit card after a few years of timely payments.

 

 

How your credit scores are calculated

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Understanding Your Credit Score

 

When it comes to repairing your credit, your credit score is a vital piece of information that will help you gauge your progress. Your credit score is a three-digit number that represents your credit standing at a given point in time.

 

Credit scores typically range from 300 to 850. Higher credit score are better than lower credit scores. The credit score is calculated based on the information that’s in your credit report. If you have a lot of negative information in your credit report, you’re more likely to have a low credit score indicating your risk. The credit score calculation gives more weight to certain aspects of your credit history.

 

Payment history is 35% of your credit score. This includes the timeliness of your credit and loan payments. Severe delinquencies like 90+ day late payments, charge-offs, collection accounts, bankruptcy, foreclosure, repossession, and judgments will all have a significantly negative impact on your credit score. On the other hand, positive payments history will vastly improve your credit score over time.

 

Level of debt is 30% of your credit score. Ideally, you should have a low level of debt. Your credit utilization is the ratio of your credit card balances to your credit limits. The higher your credit card balances, the riskier a borrower you’re considered to be and the lower your credit score will be. Your credit score also considers your loan balances compared to the original loan amount. The further you pay your loan balances the better.

 

Age of credit history is 15% of your credit score. The longer you’ve had credit, the better your credit score will be. Newer accounts lower your credit age and make it seem as though you’re less experienced with credit.

 

Mix of credit is 10% of your credit score. This considers the different types of credit you’ve had experience with. Your credit score will be better if you have experience with credit cards as well as installment loans like auto loans and mortgages.

 

Recent applications for credit count for 10% of your credit score. Each time you make an application for credit, an inquiry is placed on your credit score. Lenders view too many inquiries as either taking on too much credit at once or a desperation for credit, so your credit score can drop if you have too many inquiries within a short period of time.

 

It’s important to understand what affects your credit score. That way, you have a better chance of making decisions that will help your score rather than hurt it.

How to fix bad credit

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How to Remove Collections From Your Credit Report

 

Among the things that hurt your credit score, debt collection accounts are among the worst. A debt collection is a serious delinquency and indicates you have failed to make a payment on one of your accounts.

 

Debt collections wind up on your credit report after you haven’t paid a bill for at least six months. The creditor or lender sends your account to a third-party debt collector to try to get you to pay the account. As part of the collection process, the debt collector lists the account on your credit report where it will remain for seven years, unless you do something to have it removed. http://www.attractivecredit.com can help with your credit reports. See what they have done by watching this video:

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Disputing Debt Collections

 

One of the easiest ways to have collections from your credit report is to dispute it with the credit bureau listing the account. If the debt collector doesn’t verify that the debt is yours, then the account will be removed from your credit report. To dispute a debt collection, you should send a written request to the credit bureau stating the reason the account should be removed.

 

You might also dispute a collection account if it’s past the credit reporting time limit. Debt collections can only be listed on your credit report for seven years. Most accounts fall off your credit report automatically, but this doesn’t happen to all of them. If an old collection account is still on your credit report, you can dispute it.

 

Often debt collectors pass accounts on to other collection agencies. Unfortunately, when this happens, collection accounts can appear on your credit report multiple times. Dispute multiple listings of a collection account with the credit bureaus.

 

Paying to Have Collections Deleted

 

You can also make a negotiation with the debt collector to have the account removed from your credit report. Through a process known as “pay for delete” you may be able to convince the debt collector to remove the debt collection from your credit report in exchange for payment.

 

Start the pay for delete negotiation process by sending a letter to the debt collector. Make an offer to send payment for the account if the collector agrees to remove the listing from your credit report. Make sure you include a place for the collector to sign the agreement and instruct the collector to send the letter back to you if the offer is accepted. Once you receive a signed offer back, it’s ok to send payment for the account. Just follow up to make sure the collector keeps up his end of the deal.