Common Questions
Can questionable, bad credit be deleted?
Can credit repair companies be trusted?
How much does bad credit cost?
Does paying off past-due accounts neutralize their negative status?
Will deleted items just reappear on the credit report?
Are items such as bankruptcies and foreclosures impossible to remove?
Should consumers try credit repair on their own?
Does bankruptcy wipe the slate clean for a second chance?
Do creditors bother to read the 100-word statement?
Can changing one's SSN or EIN tax number help credit matters?
Does enough good credit offset any bad credit?
Does the CCCS help consumers restore credit?
Do negative items have to remain listed for 7 years?
What is the Fair Credit Reporting Act (FCRA)?
Can credit repair companies be trusted?
How much does bad credit cost?
Does paying off past-due accounts neutralize their negative status?
Will deleted items just reappear on the credit report?
Are items such as bankruptcies and foreclosures impossible to remove?
Should consumers try credit repair on their own?
Does bankruptcy wipe the slate clean for a second chance?
Do creditors bother to read the 100-word statement?
Can changing one's SSN or EIN tax number help credit matters?
Does enough good credit offset any bad credit?
Does the CCCS help consumers restore credit?
Do negative items have to remain listed for 7 years?
What is the Fair Credit Reporting Act (FCRA)?
Does the CCCS help consumers restore credit?
Consumer Credit Counseling Service or CCCS is a nonprofit debt counseling service that assists consumers who are over their heads in debt. CCCS is funded and controlled by certain credit grantors and credit bureaus. Often, CCCS provides a beneficial service to the consumer. Because of the obvious allegiance between CCCS and other consumer credit industry players, you cannot reasonably expect CCCS to do anything that such interests would frown upon, such as help you restore your credit. In fact, if you decide to leave CCCS before you have finished their program, they may list your failure to complete the process as a negative listing on your credit report. When you participate in the CCCS program, your creditors will sometimes (though rarely) note it on your credit report. The fact that you resorted to a debt counseling program is a huge red flag for prospective credit grantors. Remember, paying off your debts is a step in the right direction, but it does not restore your credit.*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 may vary.
Thanks Lexington Law Firm for all your help. I appreciate all you have done to clear my credit. So much progress was made in such a short time. You were
very professional and very helpful at all times. It was nice to get someone on the phone whenever I needed assistance. I will keep you in mind if I ever need anything
else.
D.S., Lexington client*
(Your results may vary)
D.S., Lexington client*
(Your results may vary)
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