Repair Your Credit

Most people with bad credit want to fix their credit fast. “What is the fastest way to repair my credit?” is one of the most common questions I get asked. As much as I would like to help them have your credit repaired by tomorrow, it’s just not going to happen. For most clients, I usually reply with something like “It took you years to mess it up, it’s not something that can be fixed over night.”

However, as a credit repair specialist, it is my job to come up with the quickest, most effective way to repair my client’s credit. The first thing I do is evaluate their situation. Just how bad is it? Where are we and where do we need to be? How many positive accounts do they have reporting, if any? For how long have those accounts been reporting? Depending on the answers to these questions, there is always something that we can be working on.

If there are only a few negative marks on their credit, I can usually have it fixed within 30-60 days. I’ve seen credit reports with more than a hundred negative marks. Reports like that take much longer – usually 6 months to a year – sometimes even longer.

While you’re in the credit repair process, it’s important to understand how you got where you are. It’s important to recognize your mistakes and make the appropriate life style changes to make sure that you never get yourself in this situation again. It’s a learning process. If you don’t learn from your mistakes and make the necessary changes, you will find yourself in the same situation and credit repair won’t help your situation long term, it will only be a temporary fix.

To learn more about fast credit repair check out the top credit repair companies online!

Maybe your application for a credit car has been declined. Or maybe when you went to get a cell phone they told you that you’d need a $500 deposit. You’re not exactly sure how or why you have bad credit; all you know is that you have bad credit. Hopefully at this point you have decided to find out what’s on your credit report and what your credit scores are.

It’s at this time where most people find erroneous, inaccurate or unfamiliar accounts on their credit reports. In fact, a study by the U.S. Public Interest Research Group found that 79% of all credit reports contained errors. These accounts could be the reason you’re not getting approved for that loan.

The first thing you should know is this: Under the Fair Credit Reporting Act, the only information that can remain on your credit report is not what is accurate, but what can be proven accurate. The information contained on your credit report was not reported by you and therefore you are not the one that has to prove the accuracy of the accounts. It was reported by your creditors or by collection agencies who think that you owe them something.

You have the right to dispute any information on your credit report. By disputing an account that you know is yours, you are not being dishonest. You are simply are asking the creditor and the credit bureaus to prove that it belongs on your credit report and to prove that the information they are providing is 100% accurate. If it’s not, they are violating your federal rights and the information must be removed or corrected immediately. If this is the case, you may seek damages against both the creditors and the credit bureaus. For this you will want to consult with an attorney specializing in bad credit report repair.

Please note that the credit bureaus do not like such disputes. Due to the amount of erroneous information they report, they must hire lots of workers to handles these disputes. And since it’s free for consumers to send in as many disputes as they want, the credit bureaus don’t make any money from this part of their business. In fact, they are losing money because of it!

The credit bureaus make their money from selling your private information not from making sure it’s correct. They would prefer that you never contact them about the accuracy of it. And that’s why it’s no surprise that they make it as difficult as they can for you to contact them and dispute accounts with them. They want to be able to sell information on you whether it’s correct or not. They don’t care about the damage it causes to your personal financial lives – they’re not paid to.

Lexington Law Firm is one of the most popular credit repair companies on the Internet. They have been in business for over 15 years and have helped over 300,000 clients repair their credit reports. Lexington Law works with clients to improve their credit reports legally and affordably.

Lexington Law is the trusted leader in credit report repair for a reason: they make the process easy and effective for their clients. Their services have proven so effective that their participating Concord level clients have seen an average of 8.7 deletions from their combined credit reports by month 3, and 28.6 deletions by month 12. (Your results may vary.)

The Lexington Law Credit Repair company leverages your consumer rights to engage the credit bureaus and assist with your credit rating. They work on your behalf to remove questionable negative items from your credit reports.

Lexington begins the dispute process by drawing upon its vast arsenal of credit report repair strategies and experience to challenge questionable negative items directly with the credit bureaus. The credit bureaus have 30 days to investigate your dispute. After that, they must inform you of their results, and send you a free copy of your updated report. It usually takes 60 days from the day they send a dispute to the day you receive an updated report. When you receive a response from a credit bureau you simple make a copy of the updated report for your records then send the original to Lexington Law. Lexington Law then repeats the cycle, this time hopefully with fewer questionable items on your credit report.

The nice thing about Lexington Law is that their service is backed by a refund policy which entitles you to some or all of your money back if enough disputed items are not removed. If you read the testimonials on their website you will certainly see how happy and impressed their customers are with their service.