Considering hiring a credit lawyer? Perhaps you believe you can tackle fixing bad credit on your own with letters and forms? Whatever the case, you want the quickest way to fix your credit. You want results – not promises and you want to see your credit score improve.
If you have a couple of credit “dings” here and there from long ago and are comfortable writing a few dispute letters, then perhaps the “home depot” do-it-yourself credit repair method is for you.
On the other hand, if you are trying to remove charge offs, a judgment or any other severe credit item, then the do-it-yourself road just ain’t going to cut it. You’ll likely need to employ more aggressive credit repair tactics like debt validation, escalated information requests, and more. These are complicated. To have them explained in detail, give Lexington a call at this direct line: 1-800-298-4297.
“Home Depot” Do-it-Yourself Credit Repair Method
The first step is to assess the damage. Apply for a credit report from the three major credit agencies, Experian, Trans Union and Equifax and read it carefully. Read it word by word, noting dates and payments applied. Are they listed as delinquent, even though you felt they were paid on time? Look for any inaccuracies you find on them, including your birth date, social security number and residence.
Many a job seeker has been turned down when their potential employer sees inaccuracies when it comes to where they live. If you are not truthful about something as simple as your home address, they reason, what else are they hiding?
If you find errors on your credit report, start an investigation immediately. You have the right to question these errors under legislation covered under the Fair Credit Reporting Act (FCRA) and other laws passed to protect consumers.
If you are mailing your request for a full investigation into your credit report, make sure you send it with a cover letter and sent it registered mail, return receipt requested, so that you will have hard proof should your case ever end up in a court of law. Only send copies and never any originals of any receipts or release of liens, or any other important paperwork.
Maybe it was the glut of mortgages approved for people who couldn’t afford them, or the overextension of credit cards to consumers who wanted to get an easy way of building for their future. It could have been the infamous Bernie Madoff scandal that bilked billions of dollars out of unsuspecting or less savvy investors.
Whatever it was, the economy world as it was once known has been blown to smithereens, and the financial landscape now looks a lot different that it did five years, or even two years ago. In other words, if you’re looking to fix bad credit, you’re not alone.
* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.
People are now paying attention their credit scores listed on their credit reports more than ever before. A good credit rating is what will help you achieve a realistic goal in providing for your future. Whether it be purchasing a house or a car, getting the mortgage or a loan is not as simple as it used to be. There are no longer any guarantees when it comes to finance and credit. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297
