Posts Tagged With 'Repair'

Credit Repair Services – Consider the Fine Print

By Oliver Dalrymple  Apr, 14, 2012  

When you contemplate signing up with a credit repair agency in an effort to reset your financial priorities and boost your credit score, you need to know what you are getting yourself into for the long haul. Not all agencies claiming to help with credit repair services are operating on the up-and-up. Many are just in it for the money and counting on your ignorance of the law and desperation for better credit to make a fast buck – or in the case of credit repair scams – a fast couple thousand bucks.

Here are some tips to help you avoid getting taken in by countless credit repair scams and what you should know about credit repair service contracts.

  • Beware promises that are not realistic such as claims of ‘overnight credit repair’ or ability to remove all negative information from your credit report. Both co

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Five Ways to Fast Credit Repair

By Michael McConachy  Apr, 05, 2012  

Thorough credit repair doesn’t happen overnight, but what if you need a better credit score now? Sure, hiring expert legal help may help tremendously, but there are things you can do now, on your own, that may provide a little score boost before applying for a new loan that may save thousands over time. Consider these tips for a quick fix:

1. Pay down your credit card balances. High debt is one of the primary catalysts of a low credit score. Carrying too much debt can hinder your credit utilization ratio, or the amount you owe vs. your total credit limit. Initiate instant results by paying down balances and keeping your ratio below 25 percent.

2. Increase your limits. Credit repair requires skill. If paying off debt isn’t an option, use a different strategy to lower your credit utilization ratio. Ask

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Lexington Law’s Credit Repair Services

By Michael McConachy  Jan, 07, 2012  

Credit repair is a serious undertaking. If you choose to work with a credit repair advocate, you need someone you can trust. Lexington Law is proud to have served our clients for two decades. Our core values include:

  • Excellence. At Lexington Law, our results speak for themselves. Our credit repair services have helped over a half-million clients work to repair their credit. Our accessibility, quality of service, and expressed client satisfaction are just a few of the traits that set us apart from the competition. To put interested parties at ease, we offer a free, no obligation consultation. Our staff will help you understand:
    • The positives and negatives of your credit report
    • The components of credit scoring
    • The importance of good credit
    • Ways to improve your score in everyday life
  • Integrity.

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Inside Our Credit Repair Services

By Michael McConachy  Nov, 26, 2011  

Choosing a credit repair advocate can be tricky. With all the options available and promises of second-to-none service, it’s difficult to know who to trust. If you are searching for credit repair services based on results, look no further. Lexington Law’s proven track record has helped over a half-million clients remove millions of negative items. Still not ready to sign up? Take a moment to review what is included when you engage the law firm.

Upon enrolling in the Concord Premier service level, we provide you the attention you deserve. In addition to receiving free phone and email contact with our attorneys and paralegals, we offer comprehensive online access as well. Aft

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The Power of Debt Validation and Credit Repair

By Oliver Dalrymple  Nov, 24, 2011  

During the process of credit repair, you may encounter a call (or several) from a debt collector trying to collect on a debt you may not be familiar with or you are not ready to deal with the present time. A powerful and effective tool for dealing with such a scenario is to request a debt validation letter. Making this request is within your right and also protects you from a potentially fraudulent scenario.

What is a Debt Validation?

Debt validation is a legal process which is part of the Fair Debt Collection Practices Act. Debt validation is a request made by a consumer to the creditor asking for proof that the collection agent making content has been assigned to collect the debt.

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Misconceptions and Credit Repair – Five Assumptions that Could Hurt You

By Michael McConachy  Nov, 05, 2011  

Credit repair can be a difficult process that can impart many doubts and misconceptions. Among the most damaging misconceptions are those surrounding the credit bureaus, creditor practices, and how to effectively erase unfairly reported or information. If credit repair is a top priority, don’t consult the rumor mill for information. Review the points below to get your facts in order.

Misconception #1: The credit bureaus are government agencies. Many consumers hesitate to question the credit bureaus because they mistakenly connect them to the federal government. In actuality, TransUnion, Experian, and Equifax are for-profit organizations with no government affiliation. They collect their money by charging fees to consumers, businesses, and lenders for credit report information. D

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Credit Repair Scams 10 Warning Signs

By Michael McConachy  Jun, 26, 2011  

   IMPORTANT: There is one credit repair company that is above all others and highly recommended. Lexington Law is reliable and costs much LESS than you think. They provide top notch service with excellent results. It is highly recommended that you watch the video at the bottom of this article andcheck Lexington Law (1-800-293-3672) to repair your credit before any other alternative.

Its no surprise that many companies work under the guise of credit repair service in order to swindle money from clients. If you are struggling with bad credit and looking for a way out, the last thing you need is another financial drain. Keep these warning signs in mind before working with a credit repair company.

  • You are not informed of your rights. T
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    Credit Repair Is It Legal

    By Michael McConachy  Apr, 19, 2011  

       IMPORTANT: There is one credit repair company that is above all others and highly recommended. Lexington Law is reliable and costs much LESS than you think. They provide top notch service with excellent results. It is highly recommended that you watch the video at the bottom of this article andcheck Lexington Law (1-800-293-3672) to repair your credit before any other alternative.

    There is no doubt that the numerous dishonest acts of many credit repair companies and certain individuals have given credit repair a bad name. When reviewing information about credit repair from government websites and pamphlets, the word “scam” is usually in close proximity. T Read more…

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