Having bad credit or no credit is a significant financial problem for a growing number of people. Up to 70% of personal credit scores contain errors, and many more contain negative items which have been unfairly reported by disreputable creditors. Unfortunately, these errors can be very difficult to correct, and can stay on an individual’s credit report for years, resulting in significantly restricted access to credit, and substantial financial hardship. More information is available at www.yoursite.com
Credit repair services either provide advice to customers to help them improve their credit status themselves, or provide an advocacy service, dealing with creditors, bill collectors and credit bureaus on the client’s behalf. Some credit repair services offer little more than providing a few stock letters to be circulated to creditors and credit reporting agencies, along with a few tips which are often outdated. Some others operate through dishonest and illegal means, by giving false information about their clients.
Lexington is a law firm which specializes in providing effective, legal solutions to credit status problems. In 2003, Lexington was successful in having over 350,000 inaccurate, misleading or unverifiable negative items deleted from clients’ credit records, including late payments, bankruptcies, repossessions, judgments, foreclosures, and many more.
The process is simple. Clients need to obtain an up-to-date copy of their credit report, and decide which items deserve to be disputed. The credit bureaus will not provide credit reports directly to a legal service, so it is essential that the clients obtain them, then forward them by mail. Lexington will then develop a strategy to challenge each unfair negative item. The credit bureaus are obliged to investigate the claims, and inform the client of the updated status of their credit record within 30 days.
Unlike some other services who charge per dispute or per deletion per bureau, Lexington charges one low monthly fee, which covers the full service. Unlimited phone and email support is included, and the service is supported by a full money back guarantee if an insufficient number of negative items are deleted.
Author: Sufi Fanning
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