We’ve all been seduced by a seemingly good deal. Retailers spend millions each year on marketing strategies to gain your business. They offer discounted rates on monthly services, no interest for 12 months, etc. Unfortunately, when the inflated bill arrives on month 13, you may be thinking, “Wait a minute; I didn’t sign up for this!” Or did you? The fine print tells an interesting story in every user agreement. When you sign up for temporary savings, you may also be agreeing to larger price tags down the road. When it comes to credit repair, debt reduction, savings, and credit utilization are imperative. Don’t skim the Terms and Conditions the next time you shop. Keep a watchful eye on the following agreements:
News, Information, and Perspectives on Credit Repair
Housing bidding wars are back. CNN Money reported the surprising turn in the market:
“In March, 75 percent of agents with broker Redfin said their clients’ offers were countered by rival bids, up from 56 percent who said so in late 2011.”
A rise in home prices may be a good sign, but analysts are concerned about the effect on buyers. Without proper planning and self-control, they predict another housing crisis in the future. If you are in the market for a new home, take these tips with you before casting your bid in a competitive sale. An inflated mortgage is a credit repair no-no. Don’t get in over your head.
Summer is around the corner and for the engaged, wedding season is approaching. Marriage is a milestone in life; yet, many enter into the next phase without asking their spouse some vital questions about money. If you are among the soon-to-be wed, consider starting a conversation using the questions below. Couples who plan their expenses ahead of time are more likely to enjoy their earnings, and less likely to need credit repair intervention.
1. How do you view money?
This is a loaded question, but your fiancé’s answer will help you understand their perspective and how it aligns with yours. Here are a few conversation starters on the subject: continue reading “Fiancé and Finances: 10 Questions to Ask Before Marriage” »
In the 10 years I have been an attorney with Lexington Law, I have fielded many questions from our new clients. One of the most common questions that our new clients have is: “As a client, how can I help the credit repair process?”
While we welcome you to put your trust in our firm, here are five things that will allow for you to have a much smoother repair process:
As we learned in Financial Literacy and Credit Repair, Part 1, the SEC’s study of American consumer education revealed some surprising facts. The average person has a weak understanding of personal finance, investing, and budgeting. So, what can we do about it? If you fear that you are part of the majority, consider the tips below. Their pertinence will help you protect yourself and avoid the need for credit repair.
over 1,297,226** negative
items removed from their
combined credit reports.
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*Important: While the testimonials and other information on this website may be exciting, Lexington Law promises only to perform the steps we've agreed to in each client's case and to charge each month only for steps already completed. As with any legal work, no outcome is promised. Your results will vary. **The number of items removed represents the combined removals for all three credit bureaus. For example, if a single questionable negative item is removed from all three credit reports, it is counted as three separate removals. REF# Confirm