Category: Fix Credit

Who Is Responsible for Discovering Credit Report Errors?

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Many years ago, while in the process of purchasing my first home, I received notice from my mortgage broker that there were some listings on my credit report that would affect my ability to obtain financing for the home.

Up to this point in my life, I had never pulled my own credit report (this was before I became associated with Lexington Law Firm). After getting some pointers from my mortgage broker, I pulled a three-in-one credit report and discovered that there were indeed a couple of 30-day late listings on my report. I did not recognize the creditors and investigated further. During my investigation I found out that my father (who has the same first and last name but a different middle name) was a customer of these previously unknown creditors and had been late with his payment on a couple of occasions. These listings were erroneously placed on my credit report.

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How to Improve Credit in a Single-Income Household

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Millions of U.S. households live on a single income. Whether your family consists of a working spouse and stay-at-home spouse or you are a single parent, living on one paycheck can be a challenge. Limited funds may leave you feeling discouraged about credit repair, but there is good news: everyone can afford to improve their lives with the right strategy. Consider the initiatives below. They will help you focus on credit score improvement, regardless of your income.

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Five Credit Tips You Can Use This Week

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Ever feel like you just can’t get out from under your credit problems? Whether you’re just starting out in your credit journey, have started getting your credit act together, or are even working with a professional credit repair company, there are some things you can do this week to help improve your credit report and score.

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Five Reasons to Leave Retirement Accounts Alone

Credit repair is an admirable goal, but achieving it can be frustrating when you are short on cash. High unemployment rates and the cost of living have left many families in immediate financial trouble. It may be tempting to dip into your long-term investments to temper the sting of short-term problems. Think twice before touching your retirement accounts, however. Your attempt to fix credit issues today could result in bigger problems 10 years from now. Dipping into retirement will almost certainly affect:

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Lexington Law vs. Other Credit Repair Companies What Sets Us Apart

Healthy credit is an essential bargaining tool that many Americans live without. According to Money-zine.com, over 40 percent of the population’s credit scores dip below 700. When you are focused on finding reputable credit repair services, how do you know who to trust?

Good credit can open doors and save you money. Despite these basic facts, many people choose to adopt the “out of sight, out of mind” mentality when it comes to financial issues. Don’t join the group by waiting to get serious about credit repair. Improving your score could save you thousands in mortgage interest, car payments, credit card debt, and more. Consider Lexington Law as an advocate to help you navigate the road ahead. We aren’t your average credit repair law firm. During 20 years of service, we have helped over a half-million clients find better credit. Aside from our demonstrated results, client comfort and satisfaction is our top priority. We:

1. Invest in your confidence. You don’t have to pay up-front to see our credit repair services at work. We offer a free, no obligation consultation where our qualified staff will help you understand:
o The positives and negatives of your credit report
o The components of credit scoring
o The importance of good credit
o Ways to improve your score in everyday life
Moreover, clients engage our service for discrete monthly servicing periods and pay only for services previously (and completely) delivered. The bottom line: we want you to feel confident in your credit repair decisions. We want our skills to speak for themselves.

2. Design solutions to fit your needs. Different clients have different needs, and we work to fill them. Our three-tiered levels of service are designed to address your issues and suit your budget. Each level includes free support and anytime cancellation. Choose from:

o Lexington Regular—This option covers credit repair basics, including credit report consultation and credit bureau-directed investigations, challenges, and disputes as applicable.
o Concord Standard—Clients enrolled in this level enjoy everything provided in the Lexington Regular service but also benefit from the firm’s legal interventions directed to creditors and others who report information to the credit bureaus.
o Concord Premier—Lexington’s most popular and comprehensive level affords everything available in the Lexington Regular and Concord Standard services as well as TransUnion Credit Monitoring, monthly credit score improvement analyses, ReportWatch™ comparative alerts, and InquiryAssist™ for problematic credit report inquiries that can also damage your credit scores.

3. Don’t make empty promises. While other credit repair companies may offer guaranteed results, we follow the letter of the Credit Repair Organizations Act (CROA), which prohibits such claims. In the world of credit repair, there are no guarantees. What we can promise is exemplary service, legal and fair billing practices, and accurate representation. Our track record speaks for itself. Visit us at www.lexingtonlaw.com to learn more about our services.

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