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Things to Look for When Selecting the Best US Immigration Lawyer




Are you planning on moving to the USA? You should keep in mind that the immigration process can be highly complex and challenging. It requires a lot of knowledge and time to navigate through the complicated and thorny process. However, the right immigration attorneys like Solutions in law will make the whole difference. You need a reliable and honest expert who will willingly help you and make the immigration process more manageable. The wrong immigration attorney, on the other hand, will only overcharge you, damage your case, and make the moving process impossible for you. You should, therefore, take your time to invest in an attorney that you can fully trust, but with the numerous service providers out there, selecting the right one has become a challenge.

To make your search manageable, let’s have a look at some critical aspects to put into consideration when choosing the best US immigration lawyer.

Validate that you are dealing with an attorney, not a visa consultant

A lot of individuals tend to make this mistake where they fall for a visa consultant claiming to be an immigration lawyer. You should note that these two are entirely different professionals with different skills and knowledge. A visa consultant is only good at matters relating to visas, while an attorney can help you navigate through all the processes of immigration. It is a super complex area of law, and making a slight mistake will cost you a lot. You do not want to deal with someone who will only take off money without offering any value or one who will wrongly fill out your forms and put your case at risk. Take your time and research more about the providers before hiring them.

Choose an experienced attorney

Never underestimate the power of experience when it comes to selecting any service provider, and this case is not an exception. You want the attorney to offer the highest value and increase your chances of getting a visa. You also want one who can successfully represent you if ever you are deported. To do so, the lawyer should have the best understanding of the law. Also, you should deal with someone who has handled many similar cases before. Go for an immigration lawyer that has been offering immigration law services for many years as s/he is most likely to have the expertise and skills that you need.

Avoid attorneys offering illegal offers

Understandably, you want to get the visa so you can move to your dream country, but that does not mean that you should do it the illegal way. Some lawyers will come to you with unethical suggestions or what can be termed as fishy as they try to lure you into the best offer in the world. It can be tempting, but you should remember that a one-time mistake could result in irreversible losses. The lawyer could be asking for you for some money to try and bribe the immigration authority into giving in to your request, or merely the lawyer could be asking for favors in return of getting you a visa. The worst part is that if you are caught, you will most likely get into more trouble than the lawyer and could be permanently banned from going to the US. It is not worth it.

How committed is the lawyer?

As mentioned, immigration is a complicated case, and this means that it requires total commitment to crack. You should stay away from lawyers who take more than one case at once, and you have to deal with shared attention. The right attorney should be fully committed to your case until it is a success. Check if the lawyer has time to attend meetings and is available to answer your calls when you need him/her. The lawyer acts as your representative, meaning that you cannot both be busy when you are required to attend hearings or present some paperwork. One of you should always be available for cases, and it should be the attorney.

Finding a legal representative that you can comfortably trust can be a daunting task, but if you take your time and do thorough research, everything will turn out great. With these four tips, you will undoubtedly find the right provider to help make your dreams come true.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That




Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®

What’s Keeping Millennials From Accessing Credit?

The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.

Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.

The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:

  1. Payment history
  2. Amount owed
  3. Length of credit history
  4. Credit mix
  5. Hard credit inquiries

You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.

The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.

The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.

Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.

It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.

How Credit Bureau 2.0 Fixes Those Problems

Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.

Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.

The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.

Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”

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