Talk to a Bankruptcy Specialist For Truly Effective Credit Improvement
If you have been through bankruptcy or are dealing with debt and poor credit, a consultation can clarify your options. We serve clients across Connecticut, including New London County, Norwich, Waterford, and surrounding areas. We can review your situation and explain how credit improvement fits with your goals.
Dave Falvey is a designated Bankruptcy Specialist with the legal authority to assist consumers with credit improvement as part of his practice. In-office and virtual appointments are available.
Talk to Atty. Dave Falvey
What Credit Improvement Involves
Credit improvement with our office is grounded in your actual rights and in accurate reporting. We focus on:
- Reviewing your credit reports for errors, outdated information, or incorrect post-bankruptcy reporting.
- Helping you understand what can and cannot be changed—and what timelines to expect under state and federal law.
- Guidance on rebuilding credit through lawful means, without false promises or illegal tactics.
We do not promise to "erase" accurate negative information. As the Connecticut Department of Banking emphasizes: only time, conscious effort, and a sound approach to debt can improve your credit report. We help you understand where you stand and what steps are legally and practically available to you.
Talk to Atty. Dave Falvey
Why Choose a Bankruptcy Specialist for Credit Improvement?
In Connecticut, many companies that sell "credit repair" are regulated as "credit clinics" under state law. Attorneys are exempt from those regulations, so when you work with a certified bankruptcy attorney and designated Bankruptcy Specialist, you get legal guidance, not a sales operation. Dave Falvey has the legal standing and professional obligations to provide real credit improvement services rooted in his role in the bankruptcy and consumer debt system.
That means clear, lawful help: understanding your credit reports, how bankruptcy or other debt resolution affects your score, and what steps can legitimately improve your credit over time.
Talk to Atty. Dave Falvey
Connecticut Law and Your Rights
Connecticut regulates "credit clinics" that charge a fee to correct, change, or delete adverse credit entries. State and federal law give you important protections when dealing with credit-related services.
- You have the right to a written contract and a three-day period to cancel without penalty before any services are performed.
- Accurate negative information generally stays on your report for seven years; bankruptcy can be reported for up to 10 years. No one can lawfully remove accurate information before those time limits.
- You can dispute errors or outdated items yourself, for free, by contacting the credit bureaus and your creditors in writing. A legitimate advisor will never tell you otherwise or suggest illegal actions such as creating a new credit identity.
As an attorney, our office is not a "credit clinic" under Connecticut law—but we follow the same principles of transparency, written agreements, and honest advice about what can and cannot be done.
Talk to Atty. Dave Falvey
What Really Improves Your Credit
The Connecticut Department of Banking is clear: only time, a conscious effort, and a personal debt repayment plan will improve your credit report. Companies that promise to "clean up" or erase bad credit for a fee cannot deliver on that promise when the information is accurate. Relying on them can cost you money and delay real progress.
Legitimate credit improvement means identifying and disputing genuine errors, understanding how long negative items may remain, and building better habits over time. We help you do that with clear expectations and no false guarantees. Whether you are in New London County or elsewhere in Connecticut, we can discuss your situation and outline a realistic path forward.
Talk to Atty. Dave Falvey
Get Started with Credit Improvement with Atty. Dave Falvey
Credit improvement begins with a clear picture of your reports and your goals. We offer a free consultation to discuss your situation, whether you have recently filed bankruptcy, are considering it, or simply want to address errors and build better credit.
- In-office and virtual appointments are available for clients in New London County, Norwich, Waterford, and across Connecticut.
- We will explain your rights, review what can be disputed or corrected, and outline realistic next steps, with no obligation.
- You can reach us to schedule a consultation and get straightforward guidance from a designated Bankruptcy Specialist.
Contact our office to schedule an in-person or virtual appointment. We are here to help you understand your options and take lawful, practical steps toward better credit.
Talk to Atty. Dave Falvey
860-449-1510