My name is Patrick Riley. I am an attorney with Gillespie & Murphy in
our Wilmington office. We feel that it’s important to understand
your credit past, present and future. You credit store is your reputation as a borrower. A number of factors are used to help determine
that score. The most important factor is your payment
history. The second most important factor is your debt-to-credit
ratio, or ability to borrow. Other factors may include: length of credit
history, types of credit, and recent applications for credit. Don’t be discouraged if you have the occasion
of negative mark on your credit score. Your score can change overtime. We offer a free consultation. Please contact us to discuss your financial
concerns and see how we’ll be able to help.