Sometimes bad credit is a result of spending your money wrong, not having an education about how harmful credit cards, student loans and the like can be, a life-changing event that you didn't expect (who can relate?) or so many other different types of scenarios. The resulting credit chaos you are left with is not always easy to work through and can leave you struggling to get ahead, when whatever your particular situation is, gets realigned. Who is there to help? Lexington Law. I signed up with them last year, to see what could be done about some credit disputes on my account and here's what has happened so far.
In the beginning, they interviewed me on the phone, and received my permission to run credit reports from the big agencies. For those items that had a valid dispute, they then sent out letters. It was nice to have real-time access to my credit reports, to see who was accessing it and why, and to be able to take necessary steps to block those who shouldn't have been looking at it to start with... hurrah. And then they sent out letters of dispute. Initially I received an onslaught of letters from creditors demanding payment for items that shouldn't have been on my account. I sent copies of those letters to the attorneys at Lexington Law and they began further investigation. For a long time, not much happened and I thought it might be a waste of money to hang in there, but based on a positive referral from someone I trust, I decided to stay with them a bit more, and am so glad that I did.
Eventually notifications started popping up (you can get e-mail and/or app notifications) that disputed items were acknowledged as being valid, and as such were being deleted from my account. Breath in, breathe out, a huge sigh of relief. Our goal was to save enough to get into a house by the end of 2018. We did and didn't meet that goal. I did talk to a mortgage broker, and she did say she could get me into a house, but she also said if I saved a bit more, worked to get my credit score raised x amount of points, and got rid of that old debt entirely, that my options would be wide open instead of limited, for what we could purchase within my buying range. Patience is a virtue, so I bumped my goals to a 2019 deadline, wrote them down again, and recorded steps I would be taking each month to help make them come to fruition. Little did I know how huge Lexington Law would be in helping me reach those goals. Like I said, for awhile, not a lot happened...and I kind of forgot about the company. Yes, I did get notifications, and yes...I did forward them letters when I received them in the mail from creditors, but it became kind of auto-pilot and I really had stopped hoping something was going to come out of it. It did though, and one by one I'm seeing things that have been wrecking my credit, get removed.
I am a firm believer in the fact that if you run up debt, you need to pay it off. That being said, there really are situations that happen that overwhelm you with unexpected debt that leaves you barely able to stay above water, and whether those things are or are not (and yes, there truly can be surprise events that are not expected or things you didn't know about or are not your fault that can affect your credit) Lexington Law can help. I'm seeing it happen, and I am truly grateful.
Bad credit doesn't happen overnight. Neither does making it right. There are many tried-and-true steps you can take to repair bad or blemished credit. Cut your spending and don't run up new debt, save more, pay off old debts, get your credit to spending ratio correct (about 30% seems to be the magic number) and work hard to make your goals a reality. Another thing you can do is hire Lexington Law, and then...be patient. Wait awhile to see them work and help you get your goals realized. We've been working together for a year now, and I'm just starting to see good things, but once the ball starts rolling, it's such a nice thing to see. Learn more by visiting their website.