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http://www.softwarexchange.net/yt – Legal Shield Review – The One Thing I Wish I Knew Before I Joined!
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Being a Director at Legalshield provided great partnership with a great company. My passion wasn’t there anymore. Found a company and partnering with a legend, Bill Hoffman, to create massive opportunity with this year old company. Are you ready for THE EXPLOSION? BOOM!
Summary: Lexington Law can work for some people. But before considering Lexington Law, there are some things you should do first. Everything that Lexington Law can do, you can do as well.
First, you should pull your credit report from annualcreditreport.com. By law, you are entitled to a free credit report annually from each of the 3 major credit bureaus. Your credit report will contain detailed information about your personal, lending, and public history. By reviewing your credit report, you can identify what is reporting negatively about you. These negative marks could be anything from charge-offs, to collection items, to delinquencies. It is your right to dispute any information that is inaccurate on your credit report. And it is not just limited to just inaccurate information; anything on your credit report that is unverifiable, misleading, untimely, or incomplete can also be disputed. You are the best person to judge if the information on your credit report is disputable.
Free credit report: https://www.annualcreditreport.com
If you do find some inaccurate information, you can choose to use Lexington Law to help you get the negative marks removed. Or, you can just do it yourself. The credit repair process is lengthy, but it is not difficult. You can start by writing each credit bureau a letter disputing the inaccurate information. Avoid online disputes, you want to have a paper trail. You want to send all your letters via certified mail with a return receipt request. Also, remember to document all your correspondence. In your letter, you can simply state that you want to dispute the inaccurate information. You don’t necessarily have to give evidence, although any evidence you do have will make your case stronger. Additionally, you can also dispute the information directly with provider of the information. The provider is a lender or company that reports your information to the credit bureau. So if you found inaccurate information about your car loan, you can dispute the information both with the credit bureaus and with the institution that you financed the car with.
Sample letter disputing information with credit bureau: https://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
Sample letter disputing information with provider: https://www.consumer.ftc.gov/articles/0485-sample-letter-disputing-errors-your-credit-report-information-providers
Lastly, before considering Lexington Law, it important to realize that building credit is usually more important than repairing credit. As time passes, the negative marks on your credit repair will count for less and less. So if you have established credit and the only thing keeping you from qualifying for a loan is some negative marks, go ahead and give credit repair a try. However, if you don’t have established credit, it is best to work on building your credit first. You should be working on establishing good payment history and having low balances. If you have several lines of credit, continue to make your payments on time and work on bringing your balances down. If you have no lines of credit or just one, apply for a secured credit card so you can start building your credit. Secured credit card are designed for people with poor credit. While you are getting your credit built, you can simultaneously work on repairing your credit.
You can contact me at Lang@userfriendlycredit.com
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