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How much does bad credit cost me?

As you consider retaining Lexington Law you would do well to look at the price you are already paying for bad credit. Below are just a few examples of the cost of bad credit.

Credit Cards

Most if not all prime credit cards are entirely out of reach to consumers with bad credit. And the few credit cards that are available to them (known as "sub-prime" cards) typically require high setup fees or recurring monthly fees, offer very low credit lines, often require cash deposits, and in most cases do not even report your positive credit activity to the credit bureaus.

Automobile Financing

If you are making payments on a car, you are probably paying between $1,500 and $5,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look.

$20,000 car paid over 5 years:
Perfect 6.8% $394 $0.00
Mildly Damaged 9.7% $422 $4,740
Damaged 14.7% $473 $6,967

Home Mortgage

Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit.

$250,000 home paid over 30 years:
Excellent 3.9% $1,179.17 $0.00
Mildly Damaged 5.0% $1,342.05 $58,637
Damaged 6.3% $1,547.43 $132,574

Can questionable, bad credit be deleted or corrected?

The simple fact is that questionable credit listings are either deleted or corrected by the thousands each and every day through the efforts of individual consumers and organizations like Lexington Law. The proof is very compelling: The efforts of Lexington Law Firm have successfully assisted clients in obtaining deletion and correction of many hundreds of thousands of questionable credit listings being deleted (click here to see results).

It's not necessarily easy or foolproof, and Lexington cannot guarantee success, but the right to improve your credit by challenging questionable items is yours.

Are items such as bankruptcies and foreclosures impossible to remove or correct?

To see how many questionable bankruptcies we removed or corrected during the last quarter please refer to our stats.*

There is not one type of questionable listing that cannot be removed from a credit report if it is inaccurate, untimely, misleading, biased, incomplete or unverifiable (in our work, we refer to such items as "questionable"). While negative items such as bankruptcies or unpaid debts are more difficult to remove from the credit report, this has more to do with the operational systems of the credit bureaus than with the severity of the bad credit item. For example, judgments and tax liens are severely negative listings yet, in Lexington's experience, clients have had more success getting them removed than other types of listings. Whether a questionable item can be corrected or removed has little to do with its severity alone.

Do negative items have to remain listed for 7 years?

When you speak with certain creditors, their typically under-educated staff may tell you the law demands that negative listings appear on your credit report for seven to ten years.

The truth is that the credit grantor or the credit bureau can choose to delete the negative credit listing at any time, especially when you give them a reason to do so. The 7 year term is merely a time limit for reporting negative credit. Some items, like bankruptcies, may stay on a report longer than 7 years.

Does paying off past-due accounts neutralize their negative status?

No. Paid, but once-delinquent, debts still show up as severe negatives. It's important to note that credit reports don't just show your current credit situation, but they also show what your credit situation has been in the past. Therefore, past delinquency, collection activity or a charged off listing does a great deal of damage to the credit score even if it was paid off. This is one of the great ironies of the credit reporting system; paying your past-due debts does little to immediately increase your credit score and may actually make the score worse.

Can credit repair companies be trusted?

As is the case in many industries, there are trustworthy credit repair companies as well as credit repair companies that should be avoided. Just as you would be careful about which mechanic you select to repair your car, you should be careful to choose a trustworthy firm to help you repair your credit.

While some credit repair companies are outright frauds, others are not frauds and they use the dispute process to obtain impressive results. In fact, they assist in having thousands of questionable credit listings deleted every day.

Among these frauds are numerous "credit repair" companies who claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!"

So, can credit repair companies really guarantee results?

Not a chance. No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent.

In fact, the mere suggestion that a credit repair organization can "guarantee" its results is a direct violation of the Credit Repair Organizations Act. Any company guaranteeing its results should not be trusted — if they ignore the governing laws of the industry, you can be sure that they won't be around for very long. Guarantees are a sure sign of credit repair fraud.

Not surprisingly, some credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself: The bureaus lambast credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services.

Some time ago, a couple in the Northwestern United States who were using the services of a legitimate credit repair law firm, received a scathing letter of reproach from their local credit bureau. The letter chastened them for relying on the "unethical" methods of credit repair, and pointed out how all their efforts had come to nothing. "As you can see," the letter chastened, "your credit reports remain unchanged." The couple was bewildered because almost all of their many questionable credit listings, including a bankruptcy, had long since been deleted.

The simple truth is that you do not have to endure inaccurate credit for seven to ten years so long as you feel comfortable challenging the accuracy or verifiability of your questionable credit listings.

However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. Despite the newspaper articles, TV reports and other credit bureau propaganda to the contrary, the simple truth remains: you can fix your unfair credit reports if they are the result of inaccurate, untimely, misleading, biased, incomplete or unverifiable information.

Are you really a law firm?

Lexington Law is a group of associated independent consumer advocacy law firms focusing on credit-related issues. Each firm is owned and supervised by its respective directing attorney. Each one is a state-of-the-art law firm offering exceptional customer service.

You may wonder how you can get the services of a law firm for such a low monthly rate. To provide phenomenal service at an extremely affordable price, work is completed by a team of attorneys, paralegals and legal assistants using advanced computer and web systems. And yet, when you retain a Lexington Law firm you complete a legal engagement agreement which affords you all the protections and assurances of an attorney/client relationship.

Will deleted items just reappear on the credit report?

On occasion, a negative listing that was recently deleted may eventually be verified by the creditor. The Fair Credit Reporting Act requires that the credit bureau inform you before the re-report a previously deleted listing. The FCRA also makes it more difficult for credit bureaus to re-report listings. Because of these factors, it is fairly rare for listings to come back on once they've been deleted.

If a questionable credit item is verified at a later point in time, Lexington will help you challenge the listing again if there are legitimate grounds to do so.

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