Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.
1. Do Not Pay Large Fees
Many services will charge large upfront fees. Instead look for more standard rates such as $100 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.
Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.
2. Choose a Licensed Law Firm
This will not increase your cost, it will only increase the effectiveness of your credit repair efforts. By hiring a service that is a law firm you will benefit because:
a.) You will have a credit attorney that is familiar with credit laws and case precedents
b.) Your case will be handled with integrity and honesty due to the ethical obligations of your lawyer being Bar Certified
c.) They can take your case to court if necessary
3. Look For Refunds Not Guarantees
Credit repair can not be guaranteed, especially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CANNOT BE DONE
We strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.
By using these 3 tips you can find a good quality credit repair service, we suggest Lexington Law. They are a leader in the industry with over 17 years experience, 1/2 million satisfied clients, and 22 Lawyers.
They charge reasonable rates you can get started for $99 upfront and as little as $49/month for their basic service and up to $99/month for their premier service. They are also accredited by the Better Business Bureau.
"I just want to share with you my story about how my credit situation. If you are someone struggling with bad credit, then I was walking in your exact same shoes...
And today - if you look behind me - this is the house that I bought.
So, obviously my credit situation has changed.
Basically, while I was in college I ran up my credit cards and acquired a lot of unmanageable debt which destroyed my credit rating.
About a-year-and-a-half ago when I went to try to buy a house, the banks laughed at me and made me feel bad about what happened in college. (They basically implied that I was a deadbeat SCUMBAG even though it really wasn't all my fault).
I knew that I had to fix my credit, but didn't know how to do it myself so I went to Lexington Law.
Now, literally within several months, I was able to purchase a $300,000 new home without any trouble at all obtaining a mortgage.
So instead of going into banks with bad credit and being looked at as a scumbag, the banks were more than willing to help.
In fact, when I applied for my mortgage and the banker ran my credit, he came back and was saying...
"Wow! Sure thing sir. We'd love to help you out."
Lexington Law literally changed my life.
I went from being the person who has bad credit to being the person who is living in what I consider my dream home at age 29.
Some examples of the things that were on my report that are now gone were: all sorts of charge offs, collections, and I even had credit report judgments listed against me (which I heard is one of the worst things you can have on your credit.)
I had basically every kind of negative listing shy of a bankruptcy.
Lexington Law has raised my credit score at least 237 points. I just checked my FICO score which is now a 737. When I started with Lexington Law, it was below 500!"
I encourage anyone struggling with bad credit to pick up the phone and give Lexington Law a call.
It was super-encouraging to see my credit score improve each month as the negative items were deleted from my credit reports. I thought some of the bad credit was permanent since creditors misled me into believing that delinquent information would stay on my credit report for the next seven years.
However, through their dispute process and "goodwill interventions," Lexington Law proved it is possible to remove any questionable negative item. (it is the same as pleading 'not guilty' in a court of law).
Additionally, the paralegal assigned to my case showed me other credit rebuilding techniques such as:
Deleting the negative credit items like charge offs and the credit card judgment, combined with the credit rebuilding techniques, rapidly improved my credit score. In fact, in month two my score went up 74 points!
After living with bad credit for so long, it was really encouraging to see that I was making progress in the right direction.
Not only did the attorneys at Lexington Law show me results, they also provided excellent customer service along the way. If you are someone who enjoys that "personal touch", then you may like how Lexington Law assigns a paralegal to your case.
My paralegal (Stephanie) was always available to discuss the status of my case over the phone and email. Even though I didn't expect or ask for it, my attorney would also periodically give me a call to check in.
Here are some strategies Lexington Law used to delete the really stubborn bad credit - such as the credit card judgment:
You can also access you case online anytime you like. (I enjoyed logging in just to see all the deletions!)
If you are struggling with a bad credit score because of negative credit items, then I truly hope that you start repairing your credit today. I know how humiliating bad credit is and I know how easy it is just to 'sweep it under the rug' and pretend it will go away on its own.
I realize that your situation is probably a little different than mine, however, Lexington Law has already deleted questionable charge offs, a credit card judgment, late payments, collection items, and inquiries from my credit report and raised my credit score to a 737!
Here is a shot of my credit score online last month -:
To get started repairing your credit, call Lexington Law today direct at:
1-800-232-2903 (toll-free)
Or visit www.LexingtonLaw.com for a free credit consultation.
