Fix Credit

Need to fix your credit score?
You're not alone

According to Bloomberg News columnist John F. Wasik, a credit score of more that 750 typically means you will get the lowest finance rates on purchases like mortgages and automobiles. Anything less than that could force you to have to pay higher interest rates or settle for less than the best terms.

myFICO® reports that the median credit score in the U.S. is 723 meaning half of all Americans have a credit score of less than 723. When factoring in the number of people with credit scores between 723 and 750, the majority of Americans have credit scores that are less than ideal.

And increased interest rates are not the only consequence of a lower credit score. The credit crunch has caused lenders to be much more cautious with their lending practices. In years past, people with sub 600 credit scores could be still get approved for credit, even if it was restricted to non-traditional mortgage loans and high interest credit cards. Today, lenders are no longer willing to extend credit to higher risk individuals. Many people with bad credit are now unable to get approved for loans because of their low credit scores.

Fortunately for those with lower credit scores, there is hope. A growing number of Americans are discovering steps they can take to legally fix their credit reports.

Join the thousands who have fixed their credit scores

The credit reporting system is not perfect. Credit reporting errors, statistical assumptions, and irrelevant data all contribute to a system that makes it look like responsible people who can be counted on to pay their bills are not worthy of credit.

If you are in a position where your credit score is making you look like a higher credit risk than you really are, you may be able to improve your credit score by fixing your credit.

The Fair Credit Reporting Act gives you the right to dispute any items in your credit reports you feel may be inaccurate, untimely, misleading, biased, incomplete or unverifiable ("questionable"). In essence, you have the right to dispute the questionable negative items in your credit reports you feel are giving lenders an unfair impression of your credit worthiness.

You can work to fix your credit on your own or with the assistance of a credit repair expert like Lexington Law. Since 1991, Lexington Law has been helping clients dispute the questionable negative items in their credit reports and has produced life changing results time and time again.

Last year, our clients saw
over 600,000** negative
items removed from their
combined credit reports.

How can we help you?
Call now to discuss
what we can do
for you through a
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