Posts filed under 'Credit Repair Law Firms'
Is Lexington Law For Real or a Scam?
If you are looking for help repairing your credit report, you should consider The Lexington Law Firm to find the help you need. Lexington Law, a consumer advocacy firm, specializes in helping clients improve credit scores by eliminating negative marks on credit reports.
Last year, Lexington Law helped clients remove more than 600,000 negative entries on credit reports. Some of the negative entries that Lexington Law Firm removed include, but are not limited to:
- collections
- late payments
- charge offs
- liens
- bankruptcies
- repossessions
- foreclosures
- judgments
Since 1991, Lexington Law has served over a half million clients. Lexington Law Firm employs more lawyers, paralegals, and agents than any other credit repair service in the United States. Lexington Law is central to 22 lawyers in 16 states, and employs over 400 paralegals, agents and other personnel.
Lexington Law firm is an actual brick-and-mortar business, not just an online credit service. Lexington Law’s corporate headquarters is located in Utah, and there are affiliated law firms across the United States. Clients are always welcome to stop by the corporate office, or any of the affiliate offices throughout the country.
If an office is not close to a client, anyone can hop online and visit www.LexingtonLaw.com to benefit from the firm’s services.
How Does Lexington Law Work?
To benefit from Lexington credit repair, clients will follow a proven procedure. Once you have copies of your credit reports, you and your paralegal discuss what items should be disputed. After that, Lexington Law takes it from there and quickly acts to dispute any negative item on the credit report.
Numerous consumers have ranted and raved about Lexington Law. Including a consumer that said this about the service: “Lexington Law literally change my life! Lexington helped me raise my credit score by 237 points!”
Another client had this to say: “I can’t stop singing songs of praise for Lexington Law! I got an updated copy of my credit report today and started jumping up and down in the driveway. They deleted six out of nine negative entries, and in less than two months! Now that is what I call service!”
Lexington Law is available by visiting LexingtonLaw.com or by calling 1-866-246-7311 for a free credit consultation.
March 15th, 2009
If you have bad credit, you know that it can easily ruin your life! Bad credit can prevent you from doing a number of things, including borrowing money for a home or a car. Because it can truly affect your standard of living, it’s crucial to determine a strategy for bad credit repair.
A bad credit score, and need for bad credit score repair, can be determined by one’s FICO score. The FICO score is a rating of your credit history. A “bad” FICO score is considered to be a score from 500 – 580. A bad FICO score is a sure reason to search for a tactic for bad credit report repair.
Bad credit repair is legal and possible. While bad credit score repair takes patience and perseverance, it can be done. For example, here’s one man’s story about his bad credit repair:
“While I was in college, I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating. About a year and a half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college, even though it really wasn’t all my fault. I knew that I had to fix my credit, but didn’t know how to do it myself so I went to Lexington Law. Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.”
This individual had a lot of help in his bad credit report repair. Bad credit can be created by a long list of things including, collections, late pays, repossessions, charge-offs, bankruptcy, and judgments. In many cases, individuals look toward bad credit report because of a life-altering occasion in their life, such as medical problems, identity theft, job loss, mistaken identity, divorce, etc.
Bad credit repair is removing negative marks off your credit report. When negative marks are removed, you are repairing your bad credit, and helping your credit score increase.
To start a bad credit repair program, you can do it yourself. Start by getting a copy of your credit report and see if there are any negative entries that do not actually belong to you. Mistakes on credit reports are very common occurrence, and should be taken seriously, especially if you are attempting bad credit repair. Trying to remove mistakes can be cumbersome and time-consuming. You must write letters to each credit bureau with an explanation of why you are requesting the mistake be removed.
Or, like our successful consumer who shared his story with us, you could turn to credit repair company for credit report repair. These services will actually complete the process of removing bad marks on your report, which will help your bad credit repair. By working with a firm that has experience will allow you to achieve optimal results, with a minimum time effort.
Credit repair services and law firms know the ins and outs of credit repair, and often have networking relationships with credit agencies and bureau employees. These firms are familiar with laws and how best to dispute a mistake or bad mark on your credit report.
Credit repair services and law firms have knowledge that you as a consumer do not. When you, the consumer, would give up, the firm knows how to continue to fix credit reports, and help you live the life you deserve.
March 14th, 2009
If you are looking into hiring a credit attorney, you probably don’t have a huge sum of money in the bank. Many credit attorneys charge clients a retainer fee, which means you’ll be forced to pay thousands of dollars up front to secure your legal counsel. Other attorneys charge an hourly rate, which can average any where from $200-500 an hour!
Many law firms make you sign long forms and contracts that lock you into a long term agreement.
While the above options seem scary, there is another alternative. Some credit repair law firms, such as Lexington Law, charge you a low monthly rate and allow you to cancel any time you see fit.
When you hire a credit attorney, you will have piece of mind that your negative credit is being repaired. One woman who used a credit repair attorney says, “After seeing what the credit attorney was able to do with my credit after only a few months, it is very reassuring. I’d like to thank them for everything that they are doing for me and express my appreciation for all of the hard work.”
Credit repair attorneys will actually complete the process of removing bad marks on your report, which will fix credit. By working with a firm that has experience will allow you to achieve optimal results, with a minimum time effort.
Credit repair law firms know the ins and outs of credit repair, and often have networking relationships with credit agencies and bureau employees. A credit attorney is familiar with laws and how best to dispute a mistake or bad mark on your credit report.
Credit repair law firms have knowledge that you as a consumer do not. When you, the consumer, would give up, the firm knows how to continue to fix credit reports, and help you live the life you deserve.
A credit repair attorney is a much better choice than a credit repair service because a credit attorney is more familiar with the law, and can go to court if the need arises. Credit repair attorneys are taught in law school to be superior writers and negotiators – skills that are needed to resolve disputes with creditors and credit bureaus.
March 14th, 2009
Everyone knows that what’s on your credit report is very important. Your credit score is your ticket to how much money creditors will lend you for items you’ve always dreamed off, including your home or car.
But what if you look on your credit report, and you find negative items that do not belong to you? This is extremely problematic because negative items affect your credit score – your lifeline to credit. When you realize that your credit report has negative items on it, you must start a credit dispute.
There are three credit bureaus – Experian, Equifax, and Transunion. Your credit report at these agencies contains data including your payment history, debt total, and available credit. But, each credit bureau keeps its own unique information about you. This means that you might dispute credit with one agency, but not the other.
When you see a negative mark on your credit report, you must then determine if you have a basis to begin a credit dispute. Some reasons may include: the account does not belong to you, the item is out-of-date, you were never late, you agreed to an alternative payment plan, the account was sold in violation of the contract, the balance is wrong, etc.
How do you actually dispute a credit report? Well, it’s becoming more common to have the ability to dispute credit report errors online. At this time, the three top credit bureaus –Equifax, Experian and TransUnion— all allow consumers to easily dispute credit right on the website. Consumers can easily track the stage of the investigation process, and hear back a lot sooner from the agency about the outcome. Some agencies, however, still require a written letter for an investigation request.
When you dispute a credit report, an investigation begins to see if your claim is correct. The agency contacts your creditor and asks them if you are telling the truth. Most the time, the creditor will say that your dispute can be resolved and the error will be wiped clean off your record.
But, sometimes, creditors can be hard to deal with, and they will not give the agency permission to release the error. In this case, you have two choices: You can call the creditor directly and prove that you are correct and they should allow the credit dispute to be approved. Or, you can hire a credit repair firm, who will act on your behalf to complete the credit dispute.
Many clients have found that hiring a credit repair attorney is a breath of fresh air. One client says, ““After seeing what the credit attorney was able to do with my credit after only a few months, it is very reassuring. I’d like to thank them for everything that they are doing for me and express my appreciation for all of the hard work.”
No matter what happens, one thing is for sure: Beginning a credit dispute is hard work. But after you complete your credit dispute, it’s worth it!
March 10th, 2009
Do you have bad credit? If you do, it’s highly recommended that you check into hiring a credit repair company. Credit repair companies specialize in helping clients improve credit scores by eliminating negative marks on credit reports.
Some of the negative entries that credit repair companies have removed include, but are not limited to collections, late payments, charge offs, liens, bankruptcies, repossessions, foreclosures, and judgments. To see a complete list of what a credit repair company can help you with, visit http://www.lexingtonlaw.com/credit-repair-services/costs.html.
When you hire a credit repair company, you will have piece of mind that your negative credit is being repaired. By working with a firm that has experience will allow you to achieve optimal results, with a minimum time effort.
One woman who used a credit repair company says, “Thanks for the excellent services you have provided. I would sincerely say that your credit repair company conducted business in the utmost professional manner. I am extremely pleased with the way you worked things out for me. Thanks for the wonderful service!”
Credit repair companies know the ins and outs of credit repair, and often have networking relationships with credit agencies and bureau employees. A credit repair company is familiar with laws and how best to dispute a mistake or bad mark on your credit report.
Credit repair companies have knowledge that you as a consumer do not. When you, the consumer, would give up, the firm knows how to continue to fix credit reports, and help you live the life you deserve.
A credit repair company employed by attorneys is a much better choice than a non-attorney credit repair service because a credit attorney is more familiar with the law, and can go to court if the need arises. Credit repair attorneys are taught in law school to be superior writers and negotiators – skills that are needed to resolve disputes with creditors and credit bureaus.
In the end, many clients have similar results as this client: “While I was in college, I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating. About a year and a half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college, even though it really wasn’t all my fault. I knew that I had to fix my credit, but didn’t know how to do it myself so I went to Lexington Law. Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.”
March 5th, 2009
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