Bad
Credit Repair – The Easy Way Vs. The Hard Way
I have two friends who tried to do "self service" bad credit
repair and ended up getting nowhere. One friend I wrote about in another
article. Her original bankruptcy appeared on her credit report, then after it
was discharged another bankruptcy appeared as opened and discharged and then
later again yet another bankruptcy was posted. This was obviously a big
mistake but it ruined her credit. Through a lot of effort she finally got the
New York courts to remove one of the wrong entries, but one of them remains
there still.
My other friend had a series of minor errors from various creditors
(hospital bills that were paid and another person's information on her
report). I suggested a bad
credit repair law firm that I knew could help her but she thought she
could do it herself.
She wrote letters to the credit bureaus contesting the errors and demanding
removal. After she had worked for several months on the bad credit repair and
seemed to be getting nowhere I thought I would bring the subject again. After
all it was my ear she was bending all the time with her tale of woe. So I
began:
"Sue (not her real name) did you know that in the court system you are
presumed innocent until you are proved guilty?" She said yes she knew
that, so I continued "However with credit people sometimes feel guilty
even when they are not," she nodded her head to indicate yes.
I continued, "Thankfully, the law gives you the right to dispute any
credit listing on your credit reports. If a credit bureau can't verify the
accuracy of a disputed listing, then it must be removed from your credit
report. The Fair Credit Reporting Act (FCRA) gives you the right to accurate
credit reporting. I know that you've been exercising that right by requesting
that your questionable credit listings either verified as accurate or removed
from your credit reports according to the law."
She replied, "I know, but I don't understand why am I having such a
hard a time correcting things on my credit reports! I've done everything
legally and by the book to repair my bad credit and I don't seem to be getting
anywhere!"
I explained that due to the size of the credit industry even though
technically the creditor(s) you listed have 30 days to respond there is no way
for you as an individual to check up to see if they responded. For that
matter, if they refused to respond you really don't have much recourse.
This credit repair services law firm, Lexington
Law, I have been telling you about has been in this bad credit repair
business since 1991. While the process of credit repair should be easy to do
on your own, getting results can be difficult, time consuming, and frustrating
(as she found). That's where Lexington Law comes in.
I told her, "When dealing with something as important and sensitive as
bad credit repair, you should be very careful who you trust to help you. Who
you hire to represent you can have a profound effect on the outcome of your
case."
"When it comes to matters of trust, there is no better place to turn
than a bad credit repair law firm - especially Lexington
Law. Attorneys are bound by rules of ethics that require them to act with
absolute integrity. Attorneys are responsible for looking after their clients'
best interest and are required to call upon every means possible to obtain
positive results for those clients."
I went on to explain the other benefits I knew to be true about Lexington
Law, like a refund if they don't produce results, that they have helped over
300,000 clients with bad credit repair and removed well over 1 million
negative items from their credit reports. And they have a 24/7 customer
service line.
"Well," my friend says, "you certainly sound sold me on Lexington
Law". I told her that I had recommended them to many friends and that
I wouldn't do that if I didn't believe they were ethical and could actually
perform the bad credit repair services they claim they offer. So she says,
"how do I contact Lexington law and get my bad credit repair started? I'm
tired of trying to do it myself and getting nowhere." "Let's log
onto my website right now and get you fixed up, then let's go to lunch."
I said.
