Remove a Repossession
A Repossession is a very serious negative marks to have on your credit report. This will likely prevent you from being approved for any future lines of credit, at least at any reasonable interest rate.
I was devastated. I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.
To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.
I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.
They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving.
Below is a chart demonstrating the progress I made:
I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:
Lexington Law's Credit Attorneys cleared up other negative items including a medical collection item, charge offs, and a judgment.
My Credit Score is now 707 (which is above the national average). It continues to improve every month. I actually look forward to checking my credit score.
Here is a copy of my Credit Score:
This mark can stay on your credit report for 7 - 10 years. You can even have a creditor file a lawsuit against you and if they win then you will have a judgment on your credit report too. With a judgment your wages can be garnished for repayment.
How to Remove a Repossession from Your Credit
You have two option to remove a repossession:
- You can contact the lender and negotiate repayment, and in exchange request that they remove the repossession from your credit.
- You can dispute the listing with the credit bureaus
With this option you must send a dispute letter to each credit bureau. In this letter you identify the repossession on your credit report and explain why it is incorrect and should be removed.
Common reasons include; item is out of date, information is wrong, not my account, account paid in full, and etc.
Upon receipt of your dispute letter the credit bureau will conduct an investigation. They will contact the company that is reporting the repossession and have them verify the debt and the amounts.
If the repossession can not be verified then it must be removed from your credit. There is a good chance that it will not be verified because lenders are often unwilling to spend the time or money to verify un collectable debts.
However if the debt is verified then I suggest hiring a credit repair service. This is because they can use more advanced tactics such as; creditor direct intervention, escalated dispute information requests, and debt validation.
These services will frequently have credit attorneys on their payroll, these attorneys have an expert understanding of the credit laws and worst case scenario can go to court or file a claim against a creditor.
In sum, you will have much higher likely hood of having a repossession removed from your credit if you hire a credit repair service.
"HOW I DELETED CHARGE OFFS, COLLECTIONS, AND LATE PAYMENTS & RAISED MY CREDIT SCORE 177 POINTS!"
Learn How I Improved my credit score from 530 to 707 by deleting stubborn charge offs, collection agencies, and late payments from my credit reports -
"I went through some hard financial times a little while back. I lost my job and as a result I struggled to pay my car payment and credit card bills.I was devastated. I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.
To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.
I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.
They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving.
Below is a chart demonstrating the progress I made:
I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:
$7,411 Discover Charge Off | $1108 Credit Card Collection | 90-Day Late Payment - DELETED! 
|
$1,114 Collection Agency & $606 Collection Item - DELETED
|
|
$2,289 VISA Credit Card Charge-Off Deleted | 90-Day Late Payment - DELETED!
 |
Lexington Law's Credit Attorneys cleared up other negative items including a medical collection item, charge offs, and a judgment.
My Credit Score is now 707 (which is above the national average). It continues to improve every month. I actually look forward to checking my credit score.
Here is a copy of my Credit Score:
My Current Credit Score - 707!  |
I recommend the Lexington Law Firm to anyone who is shouldering the stress and frustration of bad credit. Lexington Law has experiencing deleting all types of negative credit items including judgments, foreclosure, and more.
The results really do speak for themselves. Lexington Law has helped many people repair their credit reports. In fact, according to the Lexington Law Website, they deleted more than 600,000 negative credit items including collections, foreclosure, late payments, charge offs, repossession, and bankruptcy!
