Lauren lost her job and couldn't afford to pay her bills. As a result her credit suffered badly. Find out how she got things turned around. Lauren's Story
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How Anyone Can Establish, Manage, Repair and Erase Bad Credit Without Losing $1,000′s to Credit Repair Company!
If you are in need of rebuilding your credit history and equity, believe a creditor has wronged you, or your want to get out of debt now this book will open your eyes to hidden truth credit card companies, credit reporting agencies, and credit repair companies have been hiding from you…. More >>
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It’s easy to get a credit card-which means it’s just as easy to rack up a ton of debt. But paying off these debts doesn’t have to begin with a trip to the credit counselor. There are plenty of ways in which someone can lessen their debt on their own-they just need to learn how to break the vicious credit cycle. fastread Getting Out of Debt teaches just that. If you’re tired of living from paycheck to paycheck, fastread Getting Out of Debt is the book for you. It … More >>
Getting Out of Debt: Repair Bad Credit and Restore Your Finances!
In 1991, Lexington Law Firm began offering credit repair services to the general public. Since then, Lexington has provided credit repair services to over 1/2 million credit repair clients and has essentially set the standard for the modern credit repair industry. Many of the largest credit repair companies today owe their success to the tactics and methodologies pioneered by Lexington.
Today, Lexington Law continues to be a driving force in the credit repair industry. What follows are 5 traits unique to Lexington Law that set Lexington Law apart from all other credit repair organizations.
Lexington Law Has 17 Years of Credit Correction History
Many credit repair companies have come and gone since Lexington Law opened their doors. The fact that Lexington Law has been around for so long and continues to provide credit repair services for thousands of Americans is a testament to the quality of service they provide. It is also a reason why Lexington Law is so good at what they do. After 17 years of helping consumers with their credit, Lexington has learned what works and what doesn’t when it comes to repairing credit reports.
Lexington Law Has Served Over 1/2 Million Credit Repair Clients
Along with providing credit repair services for almost 2 decades, Lexington Law has also provided service to more customers than any current credit repair services. While other credit repair companies may also have many years of experience, they do not come close to disputing the number of credit files as Lexington Law. This provides Lexington Law with far more data than any other credit repair company that can be used to continually refine their services.
Lexington Law’s Services Have Resulted in Millions of Removals
As a natural consequence of being in business for so long and having helped a huge number of clients, Lexington Law has gained the knowledge and experience to help clients remove millions of items from their credit reports. In fact, Lexington Law has helped clients remove over 1 million items from their client’s credit reports in the last two years alone.
Lexington Law Has 20+ Lawyers across the Country
Aside from providing Lexington Law with a full stable of legal experts, this is very important when you consider that there are over 20 lawyers who have enough faith to risk putting their licenses and years of education on the line. The credit repair industry has had its fair share of scammers and con-artists that have been shut down by the FTC. The fact that this many lawyers are willing to lend their good name to Lexington Law should illicit a sense of confidence that Lexington Law will do everything possible to operate in full compliance with all industry regulations.
Lexington Law Has 400+ Paralegals/Agents
The sheer number of people that Lexington Law assists on a daily basis requires that Lexington Law have a large number of personnel on staff. To ensure that all clients receive personal attention, Lexington Law employs hundreds of individuals that are housed in a newly constructed 50,000 sq. ft. campus.
AAACreditGuide.com – Past clients talking about how Lexington Law Firm helped them raise their credit scores and paralegals talking about how they help their clients. Call 1-800-261-1201 for a free consultation.
A judgment is a legal case of action taking against someone by a creditor who has not received payment. If a person goes an extended period of time without paying their debt to the creditor, the creditor has the right to sue to recollect the debt. Those who are served with court papers as the result of debt should never ignore them. When the case goes before a judge and the debtor loses the case, the judge will place a judgment on the credit report to reduce the score and alert other creditors to the issue with the people who are being sued.
Judgments are extremely negative on a credit report. They show potential creditors borrowers have not been responsible with their previous debt obligations, and as such, lower the score to a point where it is next to impossible to get credit extended.
It can be difficult to obtain credit for a credit card, an auto loan or even a mortgage if there are judgments on a credit report. As each judgment could reduce the score by up to 100 points, even one has the potential plunge excellent credit to fair. Fair credit will almost always plummet to bad. As time passes after the judgment, it will not affect the score so adversely, though it will still cause difficulty when applying for credit.
Depending on the state a debtor lives in, and the statute of limitations for that state, the judgment may stay on a credit report for seven years, or the length of time allowed by statute, whichever is longer. In California, for instance, a judgment may stay on file for 10 years, and be renewed for another 10 years, for a total of 20 years.
Just by paying off a judgment doesn’t mean you will improve your credit scores. Satisfied (or paid) judgments can be removed from a credit report, but this does not mean they will be automatically removed. This is why many people who have paid all their judgments still suffer from a bad credit rating. Even non-paid judgments can be removed from your credit if you know how.
While it is possible for a person to do his or her own credit repair, it is a difficult process to undertake alone, which will entail a lot of time and research. Dealing with the credit bureaus directly does not usually prove helpful for most private citizens. This is why many people hire a credit repair firm to assist with removing judgments to improve an overall credit rating quickly.
Lexington Law Firm has been in business for over 19 years, having served over 500,000 clients in that time. They have removed 1,013,469 negative items from their client’s credit reports in 2009 alone. Here are some of their statistics from last year:
Items removed from credit reports:
Visit Lexington Law’s website or call 800-496-3604 to speak with a credit professional from Lexington law about your situation now.
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