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Monday, February 7, 2011

credit repair companies

“The law states clearly that a consumer can dispute ANY item on their credit report and that if the item is found to be inaccurate, incomplete or cannot be verified then it must be removed” – FCRA (The Fair Credit Reporting Act)
Talking about facts, this law of FCRA is probably the most important thing that you need to know if you wish to repair your credit. Being an idiot for almost two years, I have endured a miserable life with the sword of bad credit dangling over my head only because I read somewhere that approaching credit repair companies is illegal.

With my credit scores between 430-475, bad credit seemed to be an end of the world for me…..

I could not buy a home, no car for me…I could not even take a vacation for god’s sake….All because lenders could not even take a good look at my loan application for my credit scores were not sound enough. Not to mention, the insane number of calls that I used to get from debt collection agencies.

My life was a lost battle. At that time, I used to think that if only I could get just one chance to do it all over again, I would never let my life falter like it did. And like some fortunate few, I did get my second chance when I got to know about Lexington Law from Mike, a friend from work.

Mike was also kinda sailing in the same boat, though he had quite an average credit score of around 590. He tried some DIY credit repair as some people suggested him by writing dispute letters to credit bureaus for almost 6 months but to no avail. It was then that he signed up with Lexngton Law to dispute the items in his credit report. After around 2 months, his credit score was up by around 50-65 points, making his credit score to be around 650, which is pretty good.

quick credit repair




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