New York City Bankruptcy Attorney Charles Juntikka: Don’t Be Fooled By “Fake” Credit Scores

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Lately, a lot of clients have asked me questions about credit scores.  There seems to be some confusion about credit scores.  I think this has been caused by the various TV Ads pushing “free” credit scores.  These TV Ads are put out by the credit report companies: Experian, Equifax and Trans Union.  They use their own credit scores to try to sell consumers “credit monitoring” products and things like that.  This is very misleading.

The only credit score that really counts is the one produced by the FICO Company.  Generally speaking, the banks and other lenders do not use the credit scores put out by Experian, Equifax and Trans Union.  It is the FICO score that really counts.

You can obtain your FICO credit score by going to  It costs $20. Again, this is the credit score that the banks and other lenders normally use.

If you know anyone who needs to file bankruptcy, but are afraid to do so, please have them call us.  As you know, you can start with a small deposit and our fees can be paid over time.  Bankruptcy can provide people who are overwhelmed with credit card debt with a fresh start.  We also provide free advice on how to recover good credit after bankruptcy.