Frequently Asked Questions & Resources

Sort through our frequently asked questions to learn more about your debt and our debt relief program.
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How Long Is Your Credit History?

The length of your credit history is determined by when you opened your first line of credit.

A lot of components go into building a positive credit history and credit score including the current age of your credit history. Your current credit scoring model, such as FICO, may determine your credit score by calculating the average length of time that your current accounts have been open or the age of your oldest account. For example, if you recently opened your first credit card, then you may see your credit score be relatively low (even if you opened it 3-4 years ago). You can help your credit history have a positive impact on your score by avoiding opening up new cards and lines of credit. An insufficient credit history may have a small effect on your score, but that can be offset by other factors, such as timely payments on certain debt and credit accounts and low balances.

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Ask us anything

We know there are a million questions to ask, which is why we maintain a strict no-billing policy. As a client, you can ask us about credit cards, debt consolidation, your credit report, anything really, and we won’t send you an unexpected bill. Instead, you make one low monthly payment that fits your budget. By keeping it simple, you can have peace of mind and focus on paying down your debt.

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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.


You make one low monthly payment and will never get an unexpected bill.

Experienced Debt Attorneys

We have more than 20-years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

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