Credit is everything. It’s involved with employment your housing, cars, everything. If you do not have a good credit score then there’s a lot of things that you miss out on.
Many of the clients that I’ve spoken to in the past feel that because they’ve been declined, it’s over. The feeling of being turned down, walking in some place in being told no. We employ a continuum of care here which is to say we direct interventions to creditors, we work closely with the credit bureaus. There is hope.
You know there is action that we can take and that they can take to improve their score. Making services affordable as Lexington Law Firm does can really benefit people to sign up for our services. I can understand exactly what these people are going through and the joy that being told yes.
It’s my job and our job here at Lexington to make sure that they’re aware of what goes into the report. We don’t predicate the service upon notion that one has to trick the bureau’s into changing things on credit reports.
Initially when people sign up they’ll go to what we call a welcome team. The welcoming paralegals that help get their case setup. They choose actually how they want to address the item, you know they have a few different options. A client can opt in to one of five focus tracks if they’re applicable: divorce, military service, student loans identity theft, and medical. Certainly each of those five circumstances can radically impact a client’s credit report.
We specially format challenge letters and intervention letters to challenge the negative items on their credit with the creditors and the bureau’s. All the while we’re providing analysis to the client on what they can do to improve their score.
Giving other people knowledge about their credit scores, really big on improving the credit removing negative accounts isn’t gonna be the only thing to get their credit on track.
A lot of our clients really appreciate the fact that, you know, we teach you in some ways have to build it while we work on the negative. They can call us at any time, they can access their client website 24 hours a day. They can email us. They’re able to work with them and walk with them throughout this path to reach their goals. It’s really nice to help them achieve those goals because you know that you’re helping them in their life.