Your credit score is one of the most important factors determining your future. In fact, it has become such a prominent factor that it turned into a source of frustration and confusion. Can you check it on your own?

Does checking it negatively affect it? What happens with it if you sustain a personal injury?

Here at Certified Legal Funding, we specialize in providing people in the middle of a lawsuit with money to sustain themselves before the lawsuit settlement pays out. Needless to say, the topic of credit scores often comes up, so we decided to share everything you need to know about personal injury funding and credit score.

Credit score explained

Nationwide, there are three credit reporting bureaus – Equifax, Experian, and TransUnion. They record your credit history and the promptness of your bill payments. This is translated into a rating or score that decides whether you are viewed by lenders as a good, average, or bad credit risk.


Credit scores and personal injuries

While you may think that the two are hardly related, the truth is that a personal injury can greatly determine your credit score. For example, if you are injured in a car accident, chances are that you might end up missing work and receiving fewer wages or no wages at all. At the same time, unexpected medical bills and expenses pile up.

Even if you have good health insurance, you will need to make co-pays and deductible payments. With the expenses on the rise and income on the decline, it should not come as a surprise that this might negatively affect your credit score.

Personal injury funding does not depend on your credit score

The good news is that there is a financial solution that does not involve your credit score at all. Pre-settlement accident lawsuit funding, also known as legal finance loans or just funding for lawsuits is a cash advance against the settlement you are expecting. Unlike traditional bank loans, applying for personal injury funding does not involve credit score checks. Instead, the outcome of your application is based solely on the circumstances of your case.

This means that even if your credit score is less-than-perfect due to missed wages or payments, you can still apply for legal funding now.


Legal funding for lawsuits in Tampa does come with a couple of requirements. The first requirement is that you’ve suffered a personal injury. This is most often an injury that requires time off from work and forces you to pay other obligations.

You also need to have an attorney. If you don’t have an attorney call us on 800-922-7439 for assistance.

After we receive your application, we contact your attorney to request information on your case to understand your case. We made sure that the application process is simple, and once your application is approved, you can expect to receive your money in less than 24 hours.

Apply over the phone

If you do not feel comfortable applying online, give us a call at 800-922-7439 and our friendly staff will help you apply over the phone in just a few minutes.

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