Searching for credit help?
You pay your bills on time, you only have a few credit cards and they are well below the limit, and you do your best to live within your means. So why worry about credit reports? Isn't that just a concern for those people who are maxed out on their credit cards, facing foreclosure and frequently pay bills late? You know better than anyone how you handle your finances, so why worry about credit scores, right? Wrong!
Too many people find out their credit score while they are in the midst of negotiating a loan. Nothing is more embarrassing than having a car salesman tell you your credit score is too low to take advantage of any of their low interest specials. Just when you thought you were the one controlling the negotiations, they pull your credit score, you lose all your bargaining power, and you walk away with your head in your hands. How could this have happened?
Credit reports and credit scores are easy to ignore. Let's be honest, a credit report is not what you'd call "interesting reading". It's confusing and, if you are doing your best to keep your finances in order and still have a low score, then what's the point? It just seems like a big conspiracy among corporations and banks to get the highest interest rate and take as much money as they can from the unsuspecting consumer!
Although it is easy to sweep your credit score under a rug and hope it just fixes itself, the only person who suffers from a low credit score is you, so why not face it head on? There are a few initial steps you can take to get the credit repair process started. By law, you are entitled to one free credit report each year, so if it's been awhile since you have reviewed your credit reports, order them today. The best time to look through your reports is when you don't need a loan. If you find inaccuracies or questionable listings on your report that are pulling down your score, you can address them without the stress and pressure of having a pending loan hanging over your head.
Don't be discouraged by a less than stellar credit score and, most importantly, don't feel as though you must face this battle alone. With so many factors that play into your credit score, there are numerous reasons why your score may be lower than expected; too many inquiries, mistaken postings (human error), misleading information, and the list goes on. Although you may not know where to begin the process of repairing your credit score, there are legitimate credit repair organizations you can turn to that have the legal knowledge and experience to get you on the right track and keep you there.
That doesn't mean you should trust the first credit repair company you Google. The Internet is barraged with claims from credit repair companies that they will "guarantee all negative items be removed or your money back". Be cautious of companies that make unreasonable claims. Look for legitimate companies that will work under the laws of the Fair Credit Reporting Act (FCRA) to fight on your behalf. Credit repair companies that are using attorneys to address your credit disputes will give you the peace of mind that your credit repair is being handled in an ethical manner, while at the same time using the full scope of their extensive knowledge of the laws that govern credit reporting. With Lexington Law, you have the assurance that our team of attorneys and paralegals will use their expertise to approach your credit challenges on a variety of levels, and at prices designed to be affordable. Don't be afraid to ask for help with your credit.