Of Course, You Might Be Wondering How You Can Afford All Of This If Your Credit Is Less Than Perfect

Category: Finance, Credit.

When you take advantage of the convenience and flexibility of credit cards and other forms of credit, you may expose yourself to a lot of monetary pitfalls that are hidden in the fine print.

Our service takes advantage of the Fair Credit Reporting Act( 15 USC 1681 et seq. ) which provides recourse for consumers who feel that their credit reports don t accurately reflect their ability to repay loans. Fortunately, we have the, at Lexington Law knowledge and tools needed to repair your credit report so that it provides potential creditors with the best possible picture of your financial condition. Basically, the FCRA gives the consumer the right to contest specific items on their credit reports that they feel are erroneous, or simply misleading, unverified. That s because we have the detailed knowledge of the Fair Credit Reporting Act and other consumer credit laws necessary to make sure that your disputed items get the attention they deserve. This sounds great for consumers, but unfortunately the credit bureaus aren t as interested in fairness as we are and will exercise their right to dismiss disputes on the grounds of being" frivolous or irrelevant. " The ability to dismiss disputes without giving them fair consideration stops most consumers in their tracks when they try to repair their FICO score themselves, but with Lexington Law it s a completely different situation. Repairing your history is actually easy with the help of our service.

Then we ll take those items before the major credit bureaus- Equifax, TransUnion and Experian- for reinvestigation. Once we have all of the information from your credit reports entered in our database, you can select which items you want us to contest. The credit bureaus then have about a month to investigate those items, and if they can t be verified they ll be deleted from your Beacon Score. In addition to our regular services mentioned above, Lexington Law also offers Concord services including Concord Standard and Premier. Once we get your next credit report and update your database, the process starts all over again with fewer negative entries on your credit report each time. The Concord Standard service has all of the features of the normal service, but also offers extras like Debt Validation, and Goodwill Interventions, Account Investigations which can bypass the credit reporting bureaus to counteract the negative entries on your credit report at the source. For example, InquiryAssist will work to remove the harmful extra inquiries that potential lenders and some employers make in order to learn more about you.

The Concord Premier plan has all of the features of the regular service and Concord Standard, but with the addition of tools designed to go above and beyond the deletion of negative items in order to improve your credit score in other ways. ReportWatch will track changes to your credit report in order to help you catch erroneous entries as soon as they happen. Of course, you might be wondering how you can afford all of this if your credit is less than perfect. You ll also receive a monthly credit score analysis and insurance against identity theft with the Concord Premier plan. The truth is that while Lexington Law s services are not free, they are less than an average health insurance or cable bill, and when you look at what a low credit score can cost you in terms of higher interest rates and lost opportunities, you can t afford not to take advantage of our services. All this, with a our risk free refund policy.

Read more...

What Consumers Should Know Is That They Are Taking A 50/ 50 Chance With Dealing With These Firms - Gwendolyn Fortier about Finance and Credit:

Credit repair companies charge and arm and leg for what you can do on your own.

Use Cashback Credit Cards - Finance and Credit Articles:

It might sound strange to you, but it is true that credit cards can make money for us. If you also belong to this group, credit cards have, think again made life easier and financially more rewarding for some.

Amex Blue Cash For Business Gives Up To 5% Cash Rebate, Platinum Business Cash Rebate Card From OPEN: The Small Business NetworkSM Gives Up To 5% Cash Rebate On Purchases And No Cash Back Limit - Finance and Credit Articles:

Cash back credit cards.