Unfortunately there are just as many terrible lawyers available to you as good ones. Getting charge offs, judgments and even bankruptcy removed from your credit report takes a credit expert – not just any lawyer.

Looking for Credit Repair in Dallas, Texas? Call this number for a FREE Credit Repair Consultation.

Understanding consumer rights requires education. You want a lawyer who will stay committed to you throughout the entire process of your dispute. It is imperative to be advised by a trusted professional who will protect your rights.

What are the qualities of a good credit repair lawyer in Dallas, TX?

The goal of a good lawyer is to legally help you improve your credit score. You should have a clear understanding of your consumer rights after having worked with a good lawyer. They will be completely familiar with all the consumer laws such as Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Fair Credit Billing Act.

A good lawyer will act quickly to resolve your disputes. If you find yourself working with someone who seems too busy for you – doesn’t respond to emails or phone calls in a timely fashion, run away! Do not settle for an attorney who is not working hard for you.

The best credit repair lawyer will guide you through the technical, confusing and intimidating world of credit bureaus, collection agencies and the judicial system. The paper trail required to resolve a credit dispute can seem insurmountable. A good credit repair lawyer will keep you organized and on task.

How do I find a good lawyer in Dallas, Texas?

A referral from a trusted friend or family member is the best way to find a reputable credit repair lawyer. But maybe you’re embarrassed to discuss your need for credit repair with friends and family.

How do I know it’s not a credit repair scam?

There are certain things a credit lawyer cannot say (see FTC Credit Repair for more details).

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

They can’t promise results although they CAN tell you what the average client results are. They cannot charge you upfront for services not yet performed. I discovered these laws while looking for a credit attorney. I found out that Lexington Law has been around the longest – and has clients with amazing results. Lexington Law has offices all around the United States so you’re in luck if you’re looking for credit repair in Dallas. For a direct line and free consultation, call this number: 1-800-298-4297.

Good luck!

FTC and Credit Repair

The Federal Trade Commission (FTC) protects consumers and has a great deal of helpful information about credit repair services. The FTC gets involved because shady fly-by-night credit repair companies have sullied the reputation of reputable, legitimate credit repair companies.

The FTC has put together a few guidelines on spotting a credit repair scam:

Credit repair is never quick

Any company making the claim that they can fix your credit overnight is being dishonest.

Unfortunately, the process of fixing bad credit is one of the most time consuming, frustrating tasks you will ever tackle. It can take months and even years for some people. (Personally, for us we had good credit again in the 700′s inside of 4 months with help from Lexington Law.)

You may need to make a combined effort of disputing negative listings AND negotiating with creditors to get your score back into the 700 range.

Do not pay large up front fees for credit repair

Is a credit repair company asking you for $2,000 up front? If so, it’s time to run the other way and don’t look back. A large fee like that up front is a red flag for a credit repair scam.

See the Credit Repair Organizations Act for the nitty gritty details of this law. This is a pretty straightforward rule and if you come across a company not abiding by it you should run from it. This is a major red flag that the company is not reputable.

It is illegal to create a new credit identity

Can’t you just start over? Yes! You can improve your credit score with a lot of work, time and maybe some help but it can be done.

What you can’t (legally) do is create a new identity or credit profile. This is illegal! Anyone telling you differently is not reputable and is encouraging you to break the law. A good credit repair service should get you out of hot water not into it!

Beware of misleading claims

Just a glance at some of these credit repair services websites sounds an alarm. The websites read just like a tacky, loud, gimmicky infomercial. “But wait! There’s more!”

This does not give anyone a good first impression. There is nothing professional about how these companies have chosen to represent themselves.

You may decide that having a credit repair expert on your side is the quickest and most trouble free way to dealing with bad credit. If you choose to hire a professional we suggest Lexington Law Firm.

We selected them for two reasons:
1. Lexington Law has a great track record with the BBB;
2. Lexington Law has REAL attorneys – they are not just selling a package of software.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

How did we know we could trust Lexington Law? It was a good sign to see they even have the FTC guidelines disclosed on their website. A credit repair company that divulges their methods of compliance on their website is a great place to start your credit repair journey. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

Accurise even wrote all of their advertisements to mimic blog posts and forum comments from clients of Lexington Law. Sadly, we weren’t able to find a single true story from any (satisfied) client of The Accurise Credit Repair Program.

They only Accurise “testimonials” were apparently written to confuse people looking to sign up for Lexington Law and thereby divert them to their own service.

These kinds of shady practices should give you an indication of their credit repair program, but we thought we’d dig deeper into what Accurise offers.

Accurise Credit Repair Methods

Just a quick look at Accurise’s website is cause for concern. In their own words they advertise, “Accurise’s specialized software automatically sends out disputes from our system to the credit bureaus.” Sound great, right?

No. We don’t recommend you dispute anything with automated software. Your credit history is simply too important to hand over to a computer to make decisions for you.

All correspondence regarding your credit should be in a letter form with copies of supporting documents and mailed using the U.S. Postal Service. You need a paper trail for your disputes – and a credit repair expert should know this!

Follow through

We’ve read mixed reviews about Accurise Credit Repair program. The only positive reviews seem to be written by an employee of the company. Bogus reviews of any business are alarming.

The only since reviews speak of Accurise’s employees as being fast talkers to get you to pay $59.95 for their service. Once the fee has been paid consumers complain that they are ignored.

If you do reach a human being to follow up about your case, customers reported they’ve been treated rudely.

There are hundreds of shady fly-by-night credit repair companies. Is Accurise one of them? We can’t say, but the evidence out there does not instill much confidence in a company you are trusting with sensitive financial information. Instead avoid a credit repair scam and find a reputable, legitimate credit repair company. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

Lexington Law Credit Repair Services for Miami Residents: Dial: 1-866-246-7311

If you have bad credit and you’re living in the Miami area, then certainly you’ve discovered just how difficult it can be to get a home loan, auto loan or other new credit.

Despite what your local banker has told you, it is legal to erase charge offs, judgments and even bankruptcy from your credit report.

The trick is to find the right program. Most often the challenge is in finding a legitimate, no scam, credit repair program. In my opinion, there is only one such program in Miami – Lexington Law 1-800-298-4297.

How do I find a good credit repair professional in Miami?
Don’t use the Yellow Pages! It is littered with fly-by-night credit repair services. A big red flag you’ll see is that these Miami credit repair professionals will promise the Moon and fall short on delivering results.

The best – and only way in my opinion – to find Miami Credit Repair is to rely upon a referral from a trusted friend or family member. The trick is the you’re probably embarrassed to discuss your need for credit repair with friends and family.

That’s where I come in. I used Lexington Law and got phenomenal results. You’re free to read my whole nightmare story at the home page of my blog.

The short version is that Lexington brought my score up to 745 from 582 – and erased nearly all of my charge offs, late payments, and collection items. It took about 4 months to have them totally clear my credit. The bottom line is that if you’re seeking a reputable credit repair firm in Miami, look no further.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

You can call Lexington Law at no cost 1-800-298-4297 – for a no obligation consultation. Get started today – credit repair does take time so moving quickly on this will pay you big rewards in the future!

If this is on your mind, don’t worry, you’re not alone. And there are reputable companies who stand above the shady fly-by-night credit repair services that prey on unsuspecting consumers.

Rest assured that you’ve made a wise decision to enlist the services of a pro. Getting charge offs, judgments and even bankruptcy removed from your credit report are time consuming and technical. Understanding consumer rights requires education. Consulting a professional is often the best course of action.

Lexington Law invited me to visit their offices in Salt Lake City, Utah

Finding a Credit Repair Company that’s not a Scam

Here are some tips in finding a reputable service: (1) A good credit repair professional will not promise a quick fix to bad credit. Credit repair takes time and any service worth its salt will manage your expectations up front; (2) A reputable service hires credit attorneys; (3) a reputable service charges an affordable monthly fee so you can cancel at anytime.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

I found all of these qualities in the Lexington Law Firm – I even visited their offices when I was a client! Few other online credit repair companies invite you to their offices! Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

If you haven’t yet read our credit repair story located at www.creditforcouples.com, then I’ll remind you that Lexington increased my credit score from 582 to 745 inside of 4 months. They improved my wife’s score to 763, which is considered Tier A+ credit. (Remember, we were not starting with decent credit either. We needed a LOT of help with charge offs, collections, and late pays).

You might be saying:

“But MY credit is different.”

You’re right. Everybody’s case is unique. That’s why I decided to write about the AVERAGE results of a Lexington client. I hope this answers the question of just how successful Lexington Law is.

First, know that a reputable credit repair professional will not promise a quick fix to bad credit. Lexington doesn’t make any promises, but the results of their past clients have to speak for themselves.

On the other hand, a sure sign of a credit repair scam is a company who makes specific promises to get you to enroll in their program.

Lexington Law’s Success

Lexington Law Office offers no flashy schemes or promises. They just put forward their statistics. The number of negative items they have deleted from consumers’ credit reports are staggering.

Last year alone they removed over one million negative items.

The most impressive bit of information you’ll ever hear about Lexington Law is that last year they were able to remove over 13,400 bankruptcies and 2,900 foreclosures from their clients credit reports. There are hundreds of lexington law testimonials written by real people who have used Lexington Law. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

How much will Lexington Law Cost?

If you don’t fix your credit it can easily cost you hundreds of thousands of dollars over the course of your life. The cost for Lexington Law to repair your credit starts at just $59.95 per month. These are expert credit attorneys working tirelessly for you for only $59.95 a month. Try beating that price with a local attorney!

They have a wide range of service options depending on your needs. They also offer discounts for spouses – $50.

How Long Does Lexington Law Take

This is why we liked Lexington Law. They are very clear about the need for time to fix your credit report. They offer a refund policy but they ask you give the process adequate time to see results.

In other words, there is no such thing as overnight credit repair. There is, however, credit repair that is quick, effective, and efficient. In our case, once our attorney determined that one technique wasn’t going to work, he quickly moved onto the next – such as debt validation which he used to eliminate a cell phone charge off from all 3 bureaus.

One more statistic I discovered for you: Lexington is removing an average 156 negative items an hour. It took us an hour just to find the addresses to the three major credit bureaus!

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

The numbers of scenarios that affect your credit score are countless. If you just want to talk to somebody, tell them your story, and see if they can help, there is no charge for the consultation. We initially spoke with “Beth”, a super friendly and enthusiastic paralegal there. Her direct line is: 1-800-298-4297

One of the ways to do this is to hire a credit attorney.  We personally used attorneys from the Lexington Law Firm, which is a credit advocacy law firm that specializes in helping the consumers in repairing their credit.  They operate in 16 states and employ 22 attorneys, as well as 400 paralegals.

It’s true there is a process that allows you are able to handle credit matters on your own, however many find the process tedious and difficult. You may consider the fact that a good credit attorney has the expertise and the experience to cut through the red tape to reach a positive outcome for you.

Here are a few things a credit lawyer can do for you:

• If a debt cannot be verified, it must be removed from your credit report.  It’s easy to become discouraged and want to give up after not hearing from the credit reporting companies, even after you have launched a complaint.  Lexington Law will stay on the job and make your case a priority.

Since 1991, the attorneys have used the methods established by the Fair Credit Reporting Act (FCRA). For instance, they handle disputes efficiently and thoroughly to protect your rights as a creditor.  With our case we saw our negative items removed quickly.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

We also liked that one person handled our case from start to finish. We were also shocked to learn how affordable credit repair attorneys are. There is a small first work fee and the monthly price is as low as $59.95 per month. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

Now, a consumer has taken the initiative to file suit against Credit Team USA. http://www.courthousenews.com/2010/03/02/25153.htm

The plaintiff is seeking to recover damages exceeding $3,000 for various misrepresentations. Specifically, the plaintiff alleges that this credit repair company charged up front fees (which is illegal in some states) and also fabricated an Obama credit repair stimulus package.

Unfortunately, this consumer could not get the company to refund his money and now he’s forced to seek judicial intervention.

* We were so impressed with Lexington Law that we decided to become a sponsor and put up this website.

This is just another example of the many predators that occupy the credit repair space. We posted several tips on how to avoid a credit repair scam here. However, the bottom line involves common sense. We strongly encourage you to choose a credit repair law firm. Get a FREE credit consultation with credit repair experts by calling 1-800-298-4297

Having an affordable and licensed credit attorney fight your case is just good common sense. Plus, you don’t have to worry about getting scammed. Lawyers are regulated by strict bar association rules and are therefore will provide the level of ethical service you normally expect.