Do You Have Really Bad Credit ?

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Most Americans Have Really Bad Credit.

A recent study found that 56% of USA
consumers have really bad credit.

This means most Americans are not
able to take advantage of the average or
even the best interest rates if they want to borrow
money for homes,cars and credit cards.
Moreover, only the best interest rates and terms
are rewarded to people who have excellent credit
ratings.

What can an average American do ?
You can try fixing it yourself or you can hire
an expert ……
“Lexington Law will help repair your bad credit”.
Lexington Law takes problematic credit reports seriously. We understand the applicable consumer protection laws, and we help our clients to leverage those legal rights so that their credit reports remain fair, accurate, and substantiated.

“From bankruptcies, to charge-offs, to tax liens, we have challenged virtually every credit problem, doing work for our clients that resulted in millions of items removed from their credit reports last year alone. Our 24+ years of experience in the credit repair field have helped many clients to turn their lives around.
Credit Repair is not what many people believe it is. Effective, enduring credit repair requires taking appropriate action with your creditors rather than simply creating ineffective disputes for credit bureaus. We help our clients frame the tough questions that they are legally entitled to ask, and we invoke several consumer protection statutes in our work to improve their lives.

Want to get started? Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score.
Ever since consumer protection statutes made credit repair possible, creditors have been working to make it complicated and difficult. Our firm’s 24 years of experience fighting for consumers have helped us develop tools and strategies to make things easier for you — the way it should be.

What Bad Credit Cost
Learn what you’re paying for bad credit.
Credit is a necessity. Whether it’s a mortgage, a car loan, or a credit card, good credit creates opportunities. Bad credit doesn’t. With today’s economic challenges, it is more important than ever to achieve and maintain a healthy credit score.

For those with bad credit, increased interest rates may further inflate their cost of living, making even small purchases seem difficult. A bad credit report can cost you thousands of dollars a year in overpaid interest, or can keep you from being approved for credit altogether. Use the chart below to see how bad credit scores may impact you.
$250,000 home paid over 30 years:

CREDIT STATUS RATE PAYMENT COST OF BAD CREDIT
Excellent 3.9% $1,179.17 $0.00
Mildly Damaged 5.0% $1,342.05 $58,637
Damaged 6.3% $1,547.43 $132,574
It is easy to see the financial burden created by bad credit, but the real cost is more difficult to measure. Bad credit affects more than your finances, it can also attack your sense of security, and limit your personal freedom.

Working with Lexington Law to take action on your credit, is much easier to quantify. For about the same price of a monthly cable bill, our Concord Premier Service will start you on the road to credit freedom.
What is “Credit Repair”?

Your credit report is nothing more than a big brother report card updated by your creditors and maintained by the credit reporting agencies; Equifax, TransUnion, and Experian. We just make sure that these credit reporting agencies were fair when they filled out that report card. We also make sure that what’s on that report card even belongs to you! When we address an issue we find within your credit report and improve your credit, that’s credit repair.

For us, however, it doesn’t stop there — and this is where The Credit People® shine — credit repair is also about optimizing your credit report so it can produce the best possible credit score.

Hiring The Credit People® for Credit Repair Services

You can certainly handle the entire process yourself, but like anything else, it’s usually easier to let someone who has already learned—who is faster and more experience than you—take care of it.

The Credit People’s process goes beyond simple disputes. Our score driven results® approach means that we’re focused on raising your credit score from every angle. For this reason, everyone can benefit from our service. Over 100,000 people already have.

“In the beginning”…The Whole Story of Credit Report Repair:

Laws were enacted — specifically the Fair Credit Reporting Act (FCRA) which allow you to ensure that your credit report is accurate, and information was reported fairly. Thanks to the FCRA you have the right to contact the credit reporting agencies directly to dispute items on your credit. You can dispute any and all items that are misleading, inaccurate, untimely, biased, incomplete or unverifiable. Any item that cannot be verified on your credit report must be deleted, and this is what “disputing” is all about.

You may also contact your creditors about your credit (sometimes called Creditor Interventions) to address an item on your credit report. Also, the Fair and Accurate Credit Transactions Act (FACTA) of 2003 may be utilized primarily in situations where identity theft is concerned.

This stuff can get a little boring, but this is what we do all day for our customers.

This might provide a little more perspective:

79% of credit reports contain some type of error.
25% of all credit reports contain errors serious enough to result in the denial of credit.
29% of credit scores vary by 50 points or more between each of the three major credit bureaus.
54% of credit reports contain personal demographic identifying information that was misspelled, long-outdated, belonged to a stranger, or was otherwise incorrect.
30% of credit reports contain credit accounts that had been closed by the consumer but incorrectly remained listed as open.

Experience plays a role in credit report repair as it relates to raising your credit score. There are many factors that affect a credit score, and understanding these factors is critical to success. These factors include things like; Debt to income ratios, credit type ratios, and of course, credit history, to name just a few of the big ones. Your credit score is based on an algorithm which takes these factors into account. The Credit People® differ from other companies in our score-driven approach. We fine-tune your most important credit scoring factors in order to produce your best possible credit score.

Learn more about How Our Service Works

Ready to start?
Why Choose The Credit People®?

Actually, it’s simple…

With 10 years of experience helping over one hundred thousand people with their credit, we never set out to be the leaders, just the best. We spend a great deal of time and energy developing our credit repair services around you and your needs.

Some of our most popular service features include:
Discover the Sky Blue Difference!
How It Works
COMMON REPORT ERRORS:
* Accounts paid but not reported as such
* Current accounts reported as past due
*Old accounts that should be removed
* Inaccurate account status
* Re-aging of accounts
* Judgements that were already paid
* Accounts that are not yours
* Incorrect personal information
Contact us today to see how we can help.


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